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Hire Purchase Eligibility Checker

Am I eligible for car finance? Quickly see without affecting your credit file.

Speed icon Get your status in 2 minutes
Secure icon No risk to your credit rating*
Tick icon Eligibility quote valid for 30 days
AA Car Finance is provided by Evolution Funding Ltd. AA Cars introduces you to Evolution and both are brokers and not lenders. The payment received by the AA from Evolution will vary dependent on your chosen lender.

How our car finance eligibility checker works

By using our car finance eligibility checker, you’re agreeing to let us look at your credit file and carry out an affordability check. We’ll use the findings to give you an indication of whether your application is likely to be accepted, and a personalised interest rate and monthly payment. This check will only be visible to you and the quote will not affect your credit score.

Your car finance eligibility checker quote will remain valid for 30 days.

We cover the majority of UK dealers and can arrange car finance on most cars. You don’t have to buy through AA Cars but, if you do, all vehicles come with a full history check and 12 months of AA Breakdown Cover.

The results of the car finance eligibility checker should be used as a guide, and your results may vary if any of the details are incorrect. The results of this check do not guarantee you will qualify for AA Car Finance.

If you wish to understand more about what we do with your personal information, please read Evolution Funding Limited’s Terms and Conditions and the AA Cars Privacy Policy.

*Please note, that if you proceed to making a full finance application, that a hard credit search may be performed by the lender.

Why AA Car Finance?

AA Car Finance covers the majority of UK dealers and offers competitive APRs, thanks to a large panel of lenders. What’s more, you can pre-qualify for car finance before formally applying – with no impact on your credit file until you accept the loan. Get started by using our car finance eligibility checker now.

Finance options

With over 30 trusted finance partners, it's likely we'll be able to find a product to suit your needs. Our large panel means we should be able to help secure funding for your next car.

Exclusive AA breakdown offers

Get a full year of our Basic Breakdown Cover when you buy a vehicle for personal use only from an AA-approved dealer, or choose from a range of discounted upgrades no matter how you intend to use your vehicle. For new and existing AA Members. T&Cs apply.

Find out more

Support through every step

With AA Car Finance, you get a personal adviser to help throughout the process. Just one of the things that sets us apart from everyone else. This video explains how AA Car Finance works.

Watch now

Exclusive breakdown offers - Terms and Conditions

Offers available to customers who have bought a vehicle via an AA Cars dealership within the last 6 months and cover applies only for the vehicle purchased. To redeem, customers must enter their personal details including the registration of the vehicle purchased from AA Cars to unlock their personalised offers. Offers are not available in a breakdown situation. Cover will start 24 hours after activation. Offers are not available in conjunction with any other offer and are not available on any other AA products or services.

New AA member offers are available for the first 12 months of cover only and are not available to existing members. Free breakdown cover for personal use vehicles is only available via the call centre. Other levels of cover for new AA members must be purchased online by following the instructions after entering their personal details. Discounts are not applicable to Smart Breakdown cover or Parts & Garage cover.

Existing member offers are only available via the call centre and applies to personal use vehicles only. One discounted upgrade can be added to the customer's existing breakdown policy for the remainder of their policy year. The upgrade will be renewed automatically, at full price, unless we are told otherwise or if the customer's existing policy doesn't already automatically renew.

Personal use means the vehicle is used only for private and domestic purposes and not for any commercial purposes such as: carrying people/goods for money, carrying equipment, tools or materials or trade, taking part in track days or any other sport.

Breakdown cover is subject to terms and conditions. Offers can be withdrawn or varied at any time.

AA breakdown cover is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority.

Evolution Privacy Policy
AA Cars Privacy Notice
Customer terms & conditions
AA Car Finance and AA Cars are trading names of Used Car Sites Limited (registered in England and Wales number 4546950), a credit broker not a lender. Used Car Sites Limited is an appointed representative of AA Financial Services Limited (AAFS) for credit broking purposes. AAFS is authorised and regulated by the Financial Conduct Authority, Financial services register number 727859. Both these companies are members of the AA Limited group of companies and are registered at Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. AA Cars introduces AA Car Finance customers to Evolution Funding Limited. Evolution Funding Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 823324). Registered address: Thompson Close, Whittington Moor, Chesterfield, Derbyshire, S41 9AZ. Evolution Funding Limited and Used Car Sites Limited are credit brokers not lenders. Evolution Funding Limited is only able to offer a range of finance products from a group of carefully selected credit providers, which may be suitable for you and they will explain the key features of these products to you. AA Cars receives payment from Evolution Funding for introducing you to them. The amount AA Cars receives does not impact the amount that you pay the lender or the interest rate you are offered. The payment received is based on a fixed fee or a percentage of the amount you borrow, varying by lender, the amount you borrow and the term the loan is borrowed over. AA Cars will not charge you any fee for our services. Finance subject to status. Terms and Conditions apply. A guarantee may be required. Over 18's only. PLEASE ENSURE YOU CAN AFFORD THE REPAYMENTS FOR THE DURATION OF A LOAN BEFORE ENTERING INTO A CREDIT AGREEMENT.

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