Thought the AA only did motoring? Think again: as well as car loans, they also provide personal loans to cover the cost of debt consolidation, home improvements, holidays, school fees or anything else you might need the money for. Get an online quote first to check what the monthly repayments would be - they vary according to how much loan you want to take out - anything between £1,000 and £25,000 - and how long you need to pay it back - select a period between 1-7 years. Additionally, you can take out AA Creditcare to cover your loan repayments in the event of your falling ill or being made redundant. If you like the look of the AA's loan packages, you can apply straight away online, giving your personal and contact details, your employment and house information and your loan requirements - if you opt to pay for the AA's cheque courier service, you can have your money within 24 hours.

This is a well-presented and simple site, with everything in it easily navigable and understandable. The quote facility is quick and straightforward, and provides you with a table of alternative quotes for the same amount over different repayment periods, so you can make sure you're making the right choice. There's a 'frequently asked questions' section if there's anything you're not sure about, and if you can't find the answer to your question the AA also provide a freephone helpline.