A personal loan arranged through the AA, with lower rates available to AA members and no arrangement fee.
With a fixed rate and fixed monthly repayments, you know exactly what you will pay each month and when the loan will be cleared.
Compare the representative APR, the total amount repayable and any fees before you decide.
Benefits of the AA Personal Loan
- Member rates: AA members may be offered a lower representative rate.
- Fixed monthly repayments: Your interest rate and repayments stay the same for the whole term.
- No arrangement fee: There is no fee to set up the loan.
- Check before you apply: An eligibility check uses a soft search, so it does not affect your credit score.
- Overpay or settle early: You can make overpayments or repay early; a statutory early-settlement charge of up to 58 days' interest may apply.
| Feature | Detail |
|---|---|
| Loan amount | £1,000 to £35,000 |
| Term | 1–8 years |
| Representative APR | Varies; AA members may get a lower rate – check the current representative APR |
| Eligibility | UK residents aged 18+; AA membership not required |
| How to apply | Online via the official website |
Key features
Member rates: AA members may be offered a lower representative rate.
Fixed monthly repayments: Your interest rate and repayments stay the same for the whole term.
No arrangement fee: There is no fee to set up the loan.
About AA Financial Services Limited (credit broker; loans provided by National Westminster Bank Plc trading as NatWest Boxed)
AA Financial Services Limited (credit broker; loans provided by National Westminster Bank Plc trading as NatWest Boxed) is an established UK provider of personal finance products, authorised and regulated in the UK. Applying is straightforward and mostly online.
We compare independently and then send you to the provider’s official website to apply. We are not a lender or credit broker.
All rates depend on your circumstances and are subject to status. Representative examples and final terms are set by AA Financial Services Limited (credit broker; loans provided by National Westminster Bank Plc trading as NatWest Boxed).