AAA Banking Loans

Frequently Asked Questions

Below is a listing of Frequently Asked Questions. Remember, you can call us at 844.541.AUTO (2886) with any questions you may have.

Who is Auto Club Trust, Federal Savings Bank (FSB)?
Auto Club Trust, FSB is a federally chartered and FDIC insured bank, wholly owned by The Auto Club Group. It provides banking services to members of AAA located in the District of Columbia, Delaware, Florida, Georgia, Iowa, Illinois, Indiana, Maryland, Michigan, Minnesota, Nebraska, North Dakota, Pennsylvania, Tennessee, Virginia, and Wisconsin.
What types of vehicle loans does Auto Club Trust, FSB provide?
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. We also offer financing for motorcycles, RV’s and boats. You may call us at 844.541.AUTO (2886) to discuss financing assistance.
How do I get an auto loan through AAA?
You can apply online at AAA.com/autoloans or call us at 844.541.AUTO (2886).
Can I add another person to my auto loan?
Yes, you can add another person as a co-borrower.
Can I refinance or purchase a vehicle from a private party?
AAA.com supports vehicle purchases from licensed dealerships as well as the refinance of vehicle loans from other financial institutions. Auto Club Trust, FSB does not currently offer loans for private party sales or vehicles purchased through auctions or brokers. For any other vehicle financing needs, please contact us at 844.541.AUTO (2886) for assistance.
How much time do I have before my application expires?
After you begin your application, you will have 30 days to find your vehicle and complete the auto loan process.
Do you provide commercial vehicle loans?
Auto Club Trust, FSB does not currently offer loans for commercial vehicles.
Does Auto Club Trust, FSB offer flexible payment terms?
You may select a term of up to 72 months for this auto loan offer. There is no penalty for paying off a loan before the maturity date.
If I refinance an existing auto loan through AAA, how is my old loan paid off?
Once you DocuSign your loan documents, the financial institution will receive payment within 7 business days after we verify the payoff details.
Does AAA finance auto lease buyouts?
Yes! Please call us today at 844.541.AUTO (2886) to get started.
Will AAA refinance more than I currently owe on my vehicle?
You may be eligible to refinance more than you currently owe if you meet our credit guidelines. Visit AAA.com/autoloans or call 844.541.AUTO (2886) to get started.
Where do I find the Vehicle Identification Number (VIN)?
Locate the VIN by standing outside the vehicle and looking at the dashboard on the driver’s side where it meets the windshield. You can also find the VIN on the driver’s side door jamb, the purchase agreement provided by your dealer, or on your vehicle’s title, registration, or insurance card.
What if I decide to finance through the dealership or another bank?
You may withdraw your loan application at any time prior to signing your loan documents. Call us at 844.541.AUTO (2886) for assistance.
My AAA auto loan offer expired, and now I’d like to submit my application. What do I do?
Visit AAA.com/autoloans or call 844.541.AUTO (2886) to restart your application.
Are there any pre-payment penalties?
Auto Club Trust, FSB does not charge pre-payment penalties on vehicle loans.
Can I pay my loan off early?
Yes. Auto Club Trust, FSB does not charge pre-payment penalties on vehicle loans.
Is my personal information secure?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. When interacting with AAA.com, advanced security processes are in place to ensure a secure transaction between AAA and you.
Does AAA offer extended warranty or GAP coverage?
Should your vehicle be stolen and not recovered or totaled in an accident, our Guaranteed Asset Protection (GAP) coverage pays any difference between what you owe and the cash value of your vehicle. Qualified applicants may purchase this coverage and include the purchase price in your AAA auto loan. We currently do not offer extended vehicle warranties. For more information, please call 844.541.AUTO (2886).**
What other products does AAA offer?
Through its family of companies, AAA also provides roadside assistance, auto insurance and other products and services. For more information about the benefits of AAA membership, visit AAA.com, call 800.222.1134 or visit the AAA branch near you. To learn more about banking with AAA, visit AAA.com/banking or call 844.541.AUTO (2886).
Do I need to be a member of AAA to get an auto loan?
No, non-members may submit an application online or call 844.541.AUTO (2886) to submit an application by phone.
What states currently offer AAA Banking?
Auto Club Trust, FSB services the following U.S. states: District of Columbia, Delaware, Florida, Georgia, Iowa, Illinois, Indiana, Maryland, Michigan, Minnesota, Nebraska, New Jersey, New York, North Dakota, Pennsylvania, Tennessee, Virginia, Kansas, Ohio, Oklahoma, South Dakota, West Virginia and Wisconsin.
Do you offer loans in U.S. territories, Canada or other countries?
Auto Club Trust, FSB does not currently offer loans in U.S. territories, Canada, or other countries.
What is your minimum loan amount?
Our minimum loan amount is $5,000.
Is there a maximum vehicle age?
We offer auto loans on most makes and models of new or used vehicles. Used vehicles over 10 years old from the current model year must be reviewed manually before approval. Call 844.541.AUTO (2886) with any questions regarding a vehicle’s age.
What do you consider a new and used vehicle?
A new vehicle has no previously recorded title. Any vehicle with a previous title record is considered used.
How do I access my Auto Loan Application once I have started it?
Once you’ve started your auto loan application, you may exit and return to where you left off. Just go to AAA.com/autoloan, click on the Get Started button and login using your email address and password to pick up where you left off.
How long will it take to receive a credit decision?
Our auto loan process takes just minutes. Some transactions may request the applicant to call for assistance. In those instances, the credit decision may take slightly longer.
How will the dealership be paid?
Once you DocuSign your loan documents, the dealer will receive payment within 1-2 business days.



** AAA Guaranteed Asset Protection (GAP) is offered in the following states only: Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Michigan, Minnesota, Nebraska, North Dakota, Ohio, Oklahoma, Pennsylvania, South Dakota, Tennessee, Virginia, West Virginia, and Wisconsin.