My money arrived quickly as promised (with £50 courier charge, which seemed a little excessive as he only lived 1/2 mile away and was gone in 5 minutes). However, after 1 year I have been receiving monthly Junk mail and phone calls from AA Car Loans asking if I was interested in a top-up loan. I said I'd prefer it if they sent a quote for a top-up loan in writing, but after 3 weeks nothing. The loan terms were good, but there is very little information (if any) on my agreement about early settlement. They also talked about a new type of loan where interest is spread more evenly over the load term, but again nothing sent in the junk mail that has inadequately explained this thus far.

My impression of call centre staff is rather hit or miss. They are helpful whilst on the phone, but it appears they do not seem to want to follow up any information requests which require written correspondence, unless it is a loan application. However, the web site gives some more information, and is useful, and the rates are very competitive.

I borrowed £6,000 with the AA to help towards the cost of a new car. The monthly repayment was only £172 over 4 years (typical APR is 5.9%), which is very good in my opinion.

The cheque arrived within 48 hours of me being approved, and I had a 3 month payment break too.

I am very happy with the service I received.