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Review of the AA, Personal Loan:

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I felt like others - I need to write about my experience !READ IT!

Forget the eligibility checks! The real form will ask you for your debt, mortgage/ rent payments and they will ask you for your salary, be prepared to admit the truth. Firstly yes everyone advertises low APR rates, and by now be prepared to understand you will not get this rate, count yourself lucky if you do not, My application was processed and money in my account in 1.5 days, money always should be in your account by 14:30 - 15:00 before the working day cut off. I have given 3 stars for “Good Customer Experience” simply because of the following; I earn a fair amount which is considered a good wage, I have a low mortgage payment, and low bills. My Credit score is high, between Good/ Excellent between all the different credit agencies. Now AA and other lenders “obviously” know that if you “applied” for a loan and you know it will affect your Credit score with a hard search. You have done your search and now you are given double the Interest rate, this just makes me believe that the Lenders know…. after giving your financial history, and credit history, you have “Credit utilisation” to spare, than they will take advantage of that and offer you a double rate than advertised. This is what happened to me, unfortunately I am in a situation where I needed the money, this was my option and I am happy and content with the payments. Good luck to you all because the reviews are awful, and AA have a strict criteria, so if you missed payments I think it’s best not to apply. Reviewed on: 12th January 2023

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