Drive Your Finances Further with AA Money
Discover flexible vehicle refinancing solutions designed to lower your monthly repayments or unlock your car’s equity – helping you take control of your cash flow without compromising your mobility.
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WANT TO REDUCE YOUR MONTHLY EXPENSES?
REFINANCE & UNLOCK
YOUR CAR’S VALUE.
Explore Your Refinancing Options with AA Money
At AA Money, we understand that financial circumstances can change, and sometimes you need a little extra flexibility or cash flow. That’s why we offer two refinancing options to help you make the most of your vehicle’s value. Whether you’re looking to lower your monthly repayment amount or turn your fully paid-for car into equity, we have a solution tailored to your needs. Let’s dive into the details of each option to see which one suits you best.
AA Money is committed to providing flexible refinancing solutions that cater to your unique financial needs. Whether you’re looking to reduce your monthly repayment amount or turn your paid-for vehicle into equity, our experienced team is here to help.
Option 1: Refinance Your Existing Vehicle Finance
If you’re struggling with high repayments on your current vehicle finance, our refinancing option can help you reduce the financial burden by offering a lower repayment amount.
Here’s how it works:
-
- Assess your current finance:
Our team will evaluate your existing vehicle finance terms, outstanding balance, and interest rate. - Tailor your new finance:
Based on your needs and financial circumstances, we’ll create a custom refinancing package with a competitive interest rate. - Extend the term:
To achieve lower monthly repayments, the finance term can be extended, distributing the remaining balance over a longer period. - Finalise the refinancing:
Once you’ve agreed to the new terms, we’ll finalise the refinancing process, and your new monthly repayments will begin.
- Assess your current finance:
By refinancing through AA Money, you can enjoy more financial freedom and better manage your monthly expenses.
Option 2: Turn Your Paid-For Vehicle into Equity
If you own a car that’s fully paid off and need some extra cash, our second refinancing option allows you to tap into your vehicle’s equity.
Here’s how it works:
-
- Evaluate your vehicle’s value:
Our team will assess your car’s current market value to determine the maximum loan amount you can access. - Customised loan terms:
Based on your financial needs and circumstances, we’ll create a tailor-made loan package with competitive interest rates and repayment terms. - Receive your funds:
Once you’ve agreed to the loan terms, we’ll disburse the funds directly to your bank account, providing you with the cash you need. - Repay the loan:
You’ll make monthly repayments on your new vehicle finance, paying off the borrowed amount over the agreed term.
- Evaluate your vehicle’s value:
By using your car as equity, you can access cash today as well as manage repayments at your own pace.
How it works
1
We assess your current finance
Send us your current finance agreement and we’ll look at the balance, your remaining term, and what your car is worth today. Takes about 5 minutes to start the application.
2
We tailor a new loan
Based on your affordability and the value of the vehicle, we put together a new loan with terms designed to drop your monthly repayment.
3
We give you better terms
The monthly payment comes down, and you’ll see the exact new figure before you commit, so there are no surprises.
4
We finalise and settle
You sign electronically. We settle the existing finance directly with your current lender, and your new repayment schedule starts the following month.
Why AA Money
You keep your car
Unlike pawning, your car never leaves your possession.
Regulated finance
Registered credit provider. Transparent terms, no fine-print surprises.
Fast turnaround
Decision in under 24 hours in most cases.
Flexible terms
Repayment periods structured around your actual cash flow.
No early-settlement penalties
Pay off sooner with no extra cost.
Frequently Asked Questions
Do I keep my car during the loan?
How long does approval take?
Will refinancing affect my credit score?
What if I can't make a repayment one month?
Get in touch before the due date. Skipping payments without notice damages your credit record. We’d rather restructure with you than send the account to collections.