Rating based on 48 reviews

AA Loans


  • Same-day loans up to £25,000
  • Low-interest starting from 4.3%
  • Repayment up to 5 years

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AA Loans homepage

Author AA Loans. Screenshot of AA Loans website. [Accessed March 15, 2020]

About AA Loans

AA Loans is one of the UK’s leading online credit providers.

Our cutting-edge personal finance platform offers a variety of financial products and is a port-of-call for consumers and influencers looking for advice about all things money.

A trusted, affordable source of finance

We offer cutting edge financial tips and serve as a facilitator between the financial services industry and our customers. At AA Loans, we are all about helping the financial service industry educate and empower consumers to make smarter personal finance decisions.

Our short-term credit services are packed with tools to help the consumer, including access to consumer protection information and expert advice. We also have a panel of dedicated financial experts that are able to answer your financial questions on our comprehensive forum. If you're not sure about any of our products or need additional information on your application or existing loan, we are there to help you with a smile.

Financial advice when you need it

Our news, opinion, guides and forum sections de-mystify personal finance and the often confusing options involved.  Our expertise involves helping people make the right choices without commercial advertising influencing our recommendations.

In partnership with some of the country’s leading same day cash lenders and major financial institutions, AA Loans gives consumers access to an incredible wealth of information that stems from these organizations but that is not always easily accessible. If you are already an AA Member you can enjoy an upgrade to your existing AA Breakdown Cover.

AA Loans Services

We offer a wide range of loan options to meet our client's needs.

A personal loan is great for helping you put your plans into action from paying overdue bills or consolidating debt to making a large purchase or taking the family on vacation, this is the most affordable and flexible same day credit product available on the market.

AA Loans offers unsecured loans

Personal loans can either be secured or unsecured. Most online providers offer only unsecured loans and a lower loan amount and at higher interest rates. AA Loans offers unsecured sameday loans which are obtainable without the use of the property or any sort of security.

You don't have to be a homeowner to access finance from AA Loans. We just need to look at your financial status and employment details and you're good to go. Our 'best purchase' low rate loan has a Representative 4.3% APR for loans of between of £7,500 and £15,000 and a loan term of between 2 and 5 years. Our quick cash loans range between £1,000 and £25,000 at varying APR's which are subject to your credit status.

The best choice in fast financial solutions

We have a fully online loan application process that offers quick endorsement choices and fast financing alternatives. You can pay off your personal loan early to save you money on future interest instalments. There are no early repayment penalties.

Each AA Loan comes with 12 months' free AA Breakdown Cover, so if you should find yourself stuck on the roadside, we will be there for you. Timeous repayment is critical to your financial future because we report both good and bad facts to credit agencies and this will affect your credit score.

AA Loans – Same-day loan

  • Loan Type Same-day loans
  • Interest Rate from 4.3%
  • Loan Amount up to £25,000
  • Repayment 2 years to 5 years
  • Decision Same day

Benefits of AA Loans

  • Fixed monthly repayments
  • Quickly apply online
  • Quick response on loan approval
  • No setup fees

Same-day loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

AA Loans will suit any lifestyle, and they are affordable

AA Loans offers affordable loans of between £1,000 and £25,000 that you can use to finally get that home improvement going, repair your car, take that long-awaited family vacation, purchase a car or, pretty much anything else you can think of.

Our quick personal loans can be repaid over a period of between 12 to 84 months, so your monthly repayments can be adjusted to best suit your income and budget.

The benefits of applying through AA Loans

Our same-day cash loans come with a wide range of benefits that are unique when compared to the offerings of our competitors. Apart from our highly flexible loan amounts and repayment terms, we don’t charge any set-up or arrangement fees. Our Representative 3.9% APR which is set by our credit partner The Bank of Ireland is highly competitive.

Summary benefits of AA Loans

  • Unbeatable Representative APR of 3.9%
  • Instant cash loans of between £1,000 and £25,000
  • Fixed monthly repayments
  • Apply online
  • Quick response and loan approval
  • No arrangement or setup fees
  • Loans provided exclusively by the Bank of Ireland

How to apply from AA Loans

We care about our customer’s financial health and recommend that you visit our website to review the wealth of information available to help you better manage your money. You should take some time to review our services and get to know us a little better.

Once you have familiarized yourself with us and our processes, you can then use our simple loan calculator sliders to get an estimate on how much you will be paying for your quick personal loan and what your monthly instalments will look like.

man holding thumbs up

AA Loans is a trusted & reliable provider of same-day loans

In our review, AA Loans adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

AA Loans is a registered credit provider in the UK; FCA number 912211

Customer Reviews & Testimonials

October 2019

Flexible repayment options give you more freedom.

Joel C
— Nottingham —

May 2019

It was an easy application. All I had to do was get on my laptop and the rest was simple.

Timothy W
— Stoke-on-Trent —

September 2019

I had an urgent bill to pay and AA Loans gave me what I needed, which was a same day loan. Thank you for helping me when I really needed it.

Ruby H
— Winchester —

AA Loans Contact

Contact Number


  • not available


Physical Address

  • Fanum House, Basing View Basingstoke Hampshire RG21 4EA United Kingdom
  • Get Directions

Postal Address

  • Fanum House Basingstoke , Hampshire , RG21 4EA, United Kingdom

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday 08:00 – 17:00
  • Sunday – Closed