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Expect something more with AAA Auto Loans

We know how overwhelming it can become searching for a new car. Through your AAA Membership, we can make the process just a little bit smoother for you.

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Guidance

From car buying tips to car browsing tools and calculators, we are here to help you on your next auto loan.

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Experience

Not only have we spent 100 years advocating for driver/passenger rights, but we also help members find auto loans every day.

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Commitment

Our auto loan team can help you find the best rates and advice you need to make an informed decision.

Frequently asked questions

We offer loans on most makes and models of new or used cars, small trucks, SUVs and minivans. Used cars over 10 years old from the current model year, will be reviewed manually prior to approval. You may call us at 844.541.2886 to discuss financing assistance.

You may select a term of up to 84 months for this auto loan offer. There is no penalty for paying off a loan before the maturity date.

Yes, you can add another person as a co-borrower.

 Auto Club Trust, FSB does not finance private party sales currently.

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Covering all your auto loan needs

So you’ve decided to finance your next vehicle. Great. Let us help make the process as smooth as possible for you.

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Finance a car purchase

This is typically used for cars purchased from a dealership, including a lease buyout.

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Refinance an auto loan

Stop overpaying on your existing car loan. We help with refinancing auto loans for better terms and better rates that better suit you.

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Finance an RV purchase

Now that you found the RV of your dreams, we can help make acquiring it a little bit easier with auto loans you can handle.

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supplemental protection

Add extra protection if your car becomes totaled

Consider Guaranteed Asset Protection (GAP)

With this auto loan add-on, you will not have to pay the difference between what you owe on your vehicle and what it's worth if the vehicle is ever totaled. The cost of this extra protection is $399 total, which only adds about $7.71 to your monthly payment.*

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membership perks

Explore our auto buying program

With discounted car pricing for AAA Members

Get a 0.25% rate discount when you finance your Auto Buying purchase through AAA Bank†††

We are always here to help 

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Get the CARFAX

Before you make your vehicle purchase, view the CARFAX® Vehicle History Report™ with important information about your ride.

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AAA Credit Card

Earn unlimited cash back on all your qualifying purchases with the AAA Cashback Visa Signature® Card.

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AAA Membership

From travel savings and discounts to roadside assistance, we make you feel comfortable, wherever you go.

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AAA Auto Insurance

We know it’s not just about what you drive, but who’s driving. That’s what you get with auto insurance from the roadside experts.

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We’re always thinking about you

From tips and tricks to stories from the road, follow along with our latest articles on our AAA Living blog.

Annual Percentage Rate (APR). Rates and terms effective as of /1/2024. APR is accurate as of /1/2024. Advertised rates and terms are subject to change without prior notice. Additional terms and restrictions may apply. Other loan rates available. Subject to borrower qualification. Advertised rate includes a 0.25% discount when you set up automatic payments from any checking or savings account. Rate is variable. Offer valid on personal vehicle loans only. Criteria to receive the stated APR: Loan term 48 months or less new or used, model year 2018 – 2024 with a credit score of 720 or higher based on the Vantage scoring model. Buyer is responsible for all state or local fees. Auto Club Trust, FSB uses a managed credit program and final APR is dependent on your credit score. An auto loan with an APR of 5.99% for a $20,000 loan at a term of 48 months, your estimated monthly payment would be $470. An auto loan with an APR of 6.24% for a $20,000 loan at a term of 48 months, your estimated payment would be $472. Private party sales will not be financed.

††Annual Percentage Rate (APR). RV Loans. Rates and terms effective as of /1/2024. APR is accurate as of /1/2024. Advertised rates and terms are subject to change without prior notice. Additional terms and restrictions may apply. Other loan rates available. Subject to borrower qualification. Advertised rate includes a 0.25% discount when you set up automatic payments from any checking or savings account. Rate is variable. Criteria to receive the stated APR : Loan term 48 months or less, $5,000 minimum loan amount, model year 2022-2024, with a credit score of 720 or higher based on the Vantage scoring model. Buyer is responsible for all state or local fees. Auto Club Trust, FSB uses a managed credit program and final APR is dependent on your credit score. An RV loan with an APR of 7.49% for a $35,000 loan at a term of 48 months, your estimated monthly payment would be $846. An RV loan with an APR of 7.74% for a $35,000 loan at a term of 48 months, your estimated monthly payment would be $850.

††† Terms and Conditions apply. Offer valid for loans on vehicles purchased through the AAA Auto Buying Program from a TrueCar, Inc. (TrueCar) Certified Dealer; and approved and funded by Auto Club Trust, FSB. Applicant must submit the Member Price Summary provided by TrueCar during the application process. Must be an active AAA member to receive the additional TrueCar discounted rate. Loans offered by Auto Club Trust, FSB. Equal Opportunity Lender.

§ Auto Loan Calculator

The figures entered on the input page of this calculator are for hypothetical purposes only. You should enter figures that are appropriate to your individual situation. The results provided by this calculator are also intended for illustrative purposes only and accuracy is not guaranteed. This calculator is not intended to offer any tax, legal, financial or investment advice and does not assure the availability of or your eligibility for any specific product offered, nor does this calculator predict or guarantee the actual results of any product. The terms and conditions of products offered will differ and may affect the results of the calculator. Please consult with qualified professionals to discuss your situation. The final APR may differ from the APR in the above results due to additional fees that may be applicable

Insurance
Insurance underwritten by one of the following companies: Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property and Casualty Insurance Company, AAA Insurance Company, Auto Club Insurance Company of Florida, and non-affiliated insurance companies.

New policyholders obtaining insurance through AAA saved annually. Average annual savings were based on 2015 survey results provided by new policyholders reporting the dollar differences between prior carriers and insurance through AAA.

AAA Protection Plans
Protection plans are available on eligible loan products.

*Guaranteed Asset Protection (GAP) Waiver
Your purchase of the AAA Guaranteed Asset Protection (GAP) Waiver is optional. Whether or not you purchase the AAA GAP Waiver will not affect your application for credit or the terms of any existing credit agreement you have with the bank. The base fee for the AAA GAP Waiver is $399.00**. Monthly payment is based on an auto loan with a 60-month term. The lump sum of the fee will be added to the amount you borrow and will increase the cost of the AAA GAP Waiver. You may cancel the AAA GAP Waiver within 60 days and receive a full refund. You have the right to cancel the AAA GAP Waiver in the following circumstances: You may cancel the AAA GAP Waiver within 60 days if you have not made any request for benefits using the AAA GAP Waiver. The bank has no right to cancel the AAA GAP Waiver. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under the AAA GAP Waiver. You may find a complete explanation of the eligibility requirements, conditions, and exclusions in paragraphs covering Agreement Limitation on page 2 of the GAP Waiver agreement.

**Colorado: The GAP Waiver Agreement charge is $299.00. Since this transaction contains a fee for the GAP Waiver Agreement, all holders and assignees of this consumer credit transaction are subject to all claims and defenses which you could assert against the original creditor resulting from your purchase of the GAP Waiver Agreement.