Rating based on 10 reviews

AA Loans

  • Short-term loans up to £25,000
  • Low-interest starting from 2.9%
  • Repayment up to 5 years

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AA Loans homepage
Author AA Loans. Screenshot of AA Loans website.
[Accessed October 19, 2021]

About AA Loans

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

Their cutting-edge online personal loan platform offers a variety of financial products and is a port-of-call for consumers. They also influence their customers’ ability when looking for advice regarding finances and any other information.

A trusted, affordable source of finance

AA Loans offer advanced financial tips and serve as a facilitator between the financial services industry and their customers. At AA Loans, they are all about helping the financial service industry educate and empower consumers to make smarter financial decisions.

Their short-term credit services are packed with tools to help their customers, as well as providing access to consumer protection information and expert advice. AA Loans also have a panel of dedicated financial experts that are available to answer your financial questions on their comprehensive forum. If you're not sure about any of their products or need additional information on your application or existing loan, AA Loans are there to help you with a smile.

Financial advice just for you

AA Loans makes sure that you understand what goes on within the whole application process.  Their expertise involves helping people make the right choices without commercial advertising influencing their recommendations.

The partnership they share with some of the country’s leading short-term loans lenders and major financial institutions, allows them to give consumers access to an incredible wealth of information that grows from these organizations but 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

AA Loans offer a wide range of loan options to meet their 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 short-term loan product available on the market.

AA Loans offers unsecured loans

Personal loans can either be secured or unsecured. Most online providers offer unsecured loans which have a lower loan amount and bigger interest rate. AA Loans offers unsecured short-term loans which are obtainable without the use of a property or any sort of security.

You don't have to be a homeowner to access finance from AA Loans. They just need to look at your financial status and employment details and you're good to go. Their 'best purchase' low rate APR has a 4.3% for loans of between £7,500 and £15,000. It also has a loan term between 2 to 5 years. AA Loans has quick loans with a range between £1,000 and £25,000 which consist of different APRs and are subjective to your credit status.

Fast financial solutions

AA Loans 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 installments. There are also no early repayment penalties, which are of benefit to you as a customer. Each AA Loan comes with a 12 months' free AA Breakdown Cover, so if you should find yourself stuck on the roadside, they will be there for you. On-time repayments are critical to your financial future since they report both good and bad facts to credit agencies and this will affect your credit score.

AA Loans – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 2.9%
  • Loan Amount up to £25,000
  • Repayment 1 year to 5 years

Benefits of AA Loans

  • Low-interest rates
  • No hidden fees
  • Get decision fast

Short-term 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 quick loans calculator is subject to our terms of use.

AA Loans will suit any lifestyle, with their affordable loans

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, or simply buy a new one, you can now also take that long-awaited family vacation or pretty much anything else you can think of.

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

Benefits of applying through AA Loans

Their short-term cash loans come with a wide range of benefits that are unique when compared to the offerings of their competitors. Apart from their highly flexible loan amounts and fixed repayment terms, they don’t charge any set-up or arrangement fees. AA Loans has a Representative of 3.9% APR, set by their credit partner, The Bank of Ireland which is highly competitive. They also provide each individual with easy online loan applications and quick loan approval responses 

Applying for a short-term loan at AA Loans

AA Loans care about their customer’s financial health and recommend that you visit their website to review the wealth and information available to help you manage your money. You should also take some time to review their services and get to know them a little better. Once you have familiarized yourself with AA Loans and their processes, you can then use their simple loan calculator that has been made available online to get an estimate on how much you will be paying for your short-term personal loan and what your monthly installments will look like.

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AA Loans is a trusted & reliable provider of short-term 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 UK: FSA 912211

Customer Reviews & Testimonials

May 2020

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 —

August 2020

Flexible repayment options give you more freedom.

Joel C
— Nottingham —

September 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 —

AA Loans Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed