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Personal Loan Offer

Great Personal Loan Rates From the AA

  • Rates from 3.1% APR*
  • Instant Online Decision in most cases
  • Fixed monthly repayments for the duration of the loan
  • Loans available for 1 to 7 years
  • Borrow up to £25,000
  • No arrangement fee
  • Excellent credit history only
  • Lower rate of 3.0% APR available for AA members

AA Personal Loan »

*Representative (fixed) for loans between £15,001 and £25,000

Also available – AA Breakdown Cover for a year from £15 plus money off upgrades. Terms apply

Selected Personal Loan Deals

Loan Type
Post Office Personal Loan
APR/APRC
3.1% APR
Representative (£15,001-£25,000)
Loan Term
1 to 7 Years
Borrow

£1,000 to £25,000
Excellent Credit Only!

Representative Example:  The Representative APR is 3.1%. Based on a loan amount of £17,500 over 60 months at an interest rate of 3.1% p.a. (fixed). Monthly repayment of £314.89. Total amount repayable £18,893.40.

Loan Type
AA Personal Loan
APR/APRC
3.1% APR
Representative (£15,001-£25,000)
Loan Term
1 to 7 Years
Borrow
£1,000 to £25,000

Representative Example:  The Representative APR is 3.1%. Based on a loan amount of £17,500 over 60 months at an interest rate of 3.1% p.a. (fixed). Monthly repayment of £314.89. Total amount repayable £18,893.40.

Loan Type
Hitachi Personal Loan
APR/APRC
3.1% APR
Representative (£7,500-£25,000)
Loan Term
2 to 5 Years
Borrow

£1,000 to £25,000
Excellent Credit Only!

Instant Online Decision

Representative Example: The Representative APR is 3.1%.  If you borrow £7,500 over 5 years at a rate of 3.1% p.a. (fixed), you will repay £134.97 for 60 months and £8,098.20 in total.

Loan Type
Zopa Personal Loan
APR/APRC
3.9% APR
Representative (£7,500-£15,000)
Loan Term
1 to 5 Years
Borrow

£1,000 to £20,000
Excellent Credit Only!

Representative Example:  The Representative APR is 3.9%. Based on a loan amount of £10,000 over 60 months at an interest rate of 9.9% p.a. (fixed). Monthly repayment of £210.05. Total amount repayable £12,602.87.

Loan Type
Shawbrook Bank Personal Loan
APR/APRC
12.9% APR
Representative (£1,000-£35,000)
Loan Term
1 to 7 Years
Borrow
£1,000 to £35,000

Instant Online Decision

Representative Example: The Representative APR is 12.9%. Based on a loan amount of £10,000 over 60 months at an interest rate of 12.9% p.a. (fixed). Monthly repayment of £223.43. Total amount repayable £13,405.80.

Loan Type
Fluent Personal Loan
APR/APRC
14.9% APR
Representative (£1,500-£25,000)
Loan Term
1 to 5 Years
Borrow
£1,000 to £25,000

Call FREE on 0800 084 8039

Representative Example: The Representative APR is 14.9% (variable).The Representative APR is If you borrow £90,000 over 4 years at a representative 14.9% APR and an annual interest rate of 14.9% (fixed) you would pay £245.80 per month. Total charge for credit will be £2,798.51. Total amount repayable is £11,789.51.

Loan Type
UK Credit Guarantor Loan
APR/APRC
31.9% APR
Representative (£1,500-£12,500)
Loan Term
18 Months to 5 Years
Borrow
£1,500 to £12,500

Guarantor Loan

Representative Example:The Representative APR is 31.9%. Based on a loan amount of £5,000 over 48 months at an interest rate of 31.9% p.a. (fixed). Monthly repayment of £192.00. Total amount repayable £9,216.

Loan Type
Everyday Loans Personal Loan
APR/APRC
93.6% APR
Representative (£1,000-£20,000)
Loan Term
2 to 5 Years
Borrow
£1,000 to £15,000

Instant Online Decision

Representative Example:The Representative APR is 93.6%. Based on a loan amount of £3,000 over 24 months at an interest rate of 67.9% p.a. (fixed). Monthly repayment of £231.78. Total amount repayable £5,562.75.

Are you an existing customer of one of the banks below?

If you are an existing customer a number of banks provide preferential deals for personal loans.

Selected Existing Customer Loan Deals

Loan Type
AA Personal Loan
APR/APRC
3.0% APR
Representative (£15,001-£25,000)
Loan Term
1 to 7 Years
Borrow
£1,000 to £25,000

Existing AA Members Only

Representative Example:  The Representative APR is 3.0%. Based on a loan amount of £17,500 over 60 months at an interest rate of 3.0% p.a. (fixed). Monthly repayment of £314.14. Total amount repayable £18,847.80.

Loan Type
Nationwide Personal Loan
APR/APRC
3.0% APR
Representative (£7,500-£25,000)
Loan Term
1 to 5 Years
Borrow

£1,000 to £25,000
Excellent Credit Only!

Existing Nationwide Members Only

Only available to Nationwide members (main current account, mortgage or savings account holders)

Representative Example: The Representative APR is 3.0%. Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 3.0% p.a. (fixed). Monthly repayment £179.51. Total amount payable £10,770.60.

Loan Type
NatWest Personal Loan
APR/APRC
3.4% APR
Representative (£7,500-£19,950)
Loan Term
1 to 8 Years
Borrow
£1,000 to £50,000

Specific Eligibility Criteria Applies

To apply, you must be 18+ and a UK resident with either a NatWest current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.

Representative Example: Borrow £7,500 over 5 years at a Representative APR of 3.40% APR (fixed) paying £135.93 per month will result in a total sum of £8,155.80 over the loan term.

Loan Type
Royal Bank of Scotland Personal Loan
APR/APRC
3.4% APR
Representative (£7,500-£19,950)
Loan Term
1 to 5 Years
Borrow
£1,000 to £50,000

Specific Eligibility Criteria Applies

To apply, you must be 18+ and a UK resident with either a Royal Bank of Scotland current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone

Representative Example: Borrow £7,500 over 5 years at a Representative APR of 3.40% APR (fixed) paying £135.93 per month will result in a total sum of £8,155.80 over the loan term.

Features of a bad credit loan include:

  • You can use it to rebuild your credit history
  • Available to homeowners and tenants (secured or unsecured)
  • They often have higher interest rates than standard loan deals

While a bad credit loan will usually mean a higher interest rate, if you keep up with your repayments then you can use the loan to prove that your creditworthiness has improved, helping to repair your credit history, and then gaining access to more competitive deals in the future.

Bad credit loans are for people who have had:

  • Arrears
  • Late or missed payments and bills
  • CCJs (county court judgements)

An estimated 1 in 5 people in the UK have bad credit, so you’re not alone. This has brought about an increase in bad credit loan companies and has encouraged lenders to offer a wider range of competitive deals on bad credit secured loans and bad credit unsecured loans.

It is generally easier to get a lower rate if you are a homeowner, because you can then get a secured loan.

However, in exchange for a lower rate, you have to offer your home as surety to the lender which means that your home may be repossessed if you fail to keep up with repayments. This is why, for a higher rate, most people opt for unsecured loans if their credit allows, because they do not have to put their homes at risk.

Unsecured loans tend to have fixed rates, where as secured loans are often variable, which means payments could go up during the term and it might cost you more and take longer to repay it than you originally thought – another reason why they are not as popular as unsecured loans.

However, if you are applying for a bad credit loan, you may not have a choice. Lenders will see you as a risky borrower, and may require that you own your home as a guarantee so that they can recoup their losses if you default on the loan. But, if you can keep up with repayments, a homeowner loan could well be the best option, because you can:

  • Borrow more
  • Pay the loan back over a longer period
  • Get lower rates

Looking To Buy A Car? Bad Credit?

Looking to buy a new car but have a poor credit history. See below for options for your next new car.

 

Find the best bad credit loan for you:

Bad credit loans secured against a home are becoming more and more common, so there are a number of deals available on adverse credit homeowner loans available; finding a good deal on an adverse credit loan will depend on:

  • How much you want to borrow
  • Over what time period
  • If you need a homeowner loan or not

These things will all affect how much interest you pay. It is important not to rush into signing up for a loan without first knowing the terms and conditions and making sure that you can afford to repay it, and thus avoiding doing further damage to your credit rating.

You could consider remortgage as an option if you are a homeowner as this will be cheaper than a loan.

Comparing loans is the best way to find a good deal – this means checking the interest rate that you would be charged, as well as any other terms and conditions which apply, so that you find the best loan for your circumstances.

 

Offers

Homeowner Loan Representative Example:

The Representative APRC is 5.9%Based on an assumed loan amount of £48,000 (including broker fee of £2,505 & product fee of £495) over 240 months at an interest rate of 5% (varaible). Monthly repayment £316.78 & total repayable £76,027.20.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE