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Borrowing £10,000 at a representative APR of 11.9%, annual interest rate (fixed) 11.9%, 59 monthly payments of £218.83 followed by 1 payment of £228.83, total cost of credit is £3,139.80*, total amount payable is £13,139.80.
AA Car Finance is provided by Evolution Funding Ltd. Used Car Sites Limited, on behalf of AA Financial Services Limited, introduces you to Evolution and are each acting as credit brokers and not lenders. AA Financial Services Limited receives a commission from Evolution Funding Ltd, which can vary based on the lender and vehicle selected. By submitting an application for car finance you consent to the commission being paid and acknowledge AA Financial Services Limited is not acting impartially.
AA Car Finance allows you to get a quote in minutes, without affecting your credit rating. Find a car from any dealer, and we'll do the rest.
Pay a lower monthly payment than Hire Purchase and have the option of making a final large payment at the end of the term to own the vehicle outright if you want to.
Find out moreMake equal payments throughout the lifetime of your agreement and own the vehicle outright at the end of the term.
Find out moreThe simplest way to drive a brand-new car, with finance, servicing, maintenance, breakdown cover and car tax included.
Find out moreA personal car loan, sometimes called an unsecured loan, can be used to finance any new or used car, and means you own it outright from day 1.
Find out moreHire Purchase
Usually requires deposit
Personal Contract Purchase
Usually requires deposit
Personal Loan
Leasing
Usually requires deposit
Hire Purchase
Personal Contract Purchase
Personal Loan
Leasing
Hire Purchase
Personal Contract Purchase
Optional
Personal Loan
Leasing
Hire Purchase
Personal Contract Purchase
Personal Loan
Leasing
Hire Purchase
Personal Contract Purchase
Personal Loan
Leasing
Hire Purchase
Personal Contract Purchase
Personal Loan
Leasing
Hire Purchase
Personal Contract Purchase
Personal Loan
Leasing
Require initial deposit
Usually requires deposit
Usually requires deposit
Usually requires deposit
You own the car outright on Day 1
Car is yours at the end of agreement
Optional
Optional final (balloon) payment
Fixed monthly payments
Excess mileage charge
Secured against an asset
Nicole, AA Car Finance customer
It's such a refreshing change to deal with someone who's patient, calm, and doesn't apply too much pressure. I've actually really enjoyed the process of working with you to secure the finance for my new car.
Ms K. Barton, AA Car Finance customer
I wanted to express my delight at the way my recent car purchase and finance arrangement was handled. This is the first time I have undergone this process, and I cannot believe how easy it was! All people that have assisted me have been really helpful and provided fantastic customer service from start to finish. A very smooth process, and I have been impressed by the speed that it all was completed. I am looking forward to picking up my new car.
If there's anything you'd like to discuss, just call or email:
Answers to some of the most common questions.
Car finance is a credit agreement made between you and the lender which allows you to buy a car. When you buy a new or used car on finance, you borrow the money against the car. Unlike a personal loan, we'll pay the dealer directly once you've agreed all the details. Then you repay a fixed amount each month until the end of the plan.
We can arrange finance for most cars and vans and cover the majority of UK dealers.
At AA Car Finance, anyone can see if they're able to get finance within minutes. You just need to give us some information, and we'll let lenders carry out a soft credit search to see if they can offer you a good deal. This won't affect your credit rating.
Credit is subject to status and additional affordability checks.
To apply for car finance with AA Car Finance, you'll need to enter some of your personal details alongside your budget and/or what car you want. This takes less than three minutes, and will enable our lenders to perform a soft credit search for hire purchase loans. Once we have the right details, we will be able to give you an instant decision with the amount you'll pay each month, the exact APR, and how much the total cost of the loan will be. If we need more information from you to place you with a lender, we'll give you a call to discuss.
The quote will be valid for 30 days, so it gives you time to look for your dream car if you haven't already found it. Once you have decided, you'll need to provide the details of the car and of your approved dealer. The money will be transferred to the dealer and you'll receive the deeds to the car when you collect it.
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