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AAA covers all of your auto loan needs
Finance a car purchased from a dealership.
Refinance an
existing auto loan.
Shop for a car and get AAA Member Savings.2

AAA Auto Loan Calculator3



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See the discounted rate with Automatic Payments

Auto loan rate as low as


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Auto Financing at its finest

Watch this video to see how AAA Auto Buying and financing works. AAA is proud to serve its members with this seamless and innovative program that puts you in the driver's seat

“It worked, it was seamless. I was quite happy with my first online loan experience.”

Stephanie Myers

Don’t just take our word for it

Hear it from our members! Watch this video of one of our very own AAA Members describing his experience with AAA Auto Buying and financing.

“I got a great offer on a great car and the financing was great!”

Larry Doran
Frequently Asked Questions
What does it mean to be pre-qualified for an auto loan?
Know how much you can borrow before you start shopping! You can shop with confidence by simply providing some basic information through We will, with no risk to your credit score, evaluate your credit situation and provide you an auto loan offer. You may also call 844.541.AUTO (2886) for assistance.

Protect your purchase with AAA

We are proud to offer our members discounted protection plans without dealer markups that are financed right into your auto loan.

Guaranteed Asset
Protection (GAP)

$299 total
which only adds about
$6.62 to your monthly
auto loan payment
(for a 48 month loan term)

AAA Total
Protection Plan

  • $0 Deductible
  • An average savings of 40%4
  • Cancelable or transferable
  • Comprehensive Coverage

Ready to get pre-qualified?

You’re just a few clicks away from knowing your pre-qualified amount and rate without affecting your credit score.

Other popular AAA automotive resources

Need assistance? We are happy to help!

Hours of Operation: Mon to Fri 8:00 am-5:00 pm (ET)

1 Annual Percentage Rate (APR)

Rates and terms effective as of 1/1/2019. Advertised rates and terms are subject to change without notice. Additional terms and restrictions apply. Other loan rates available. Subject to borrower qualification. Advertised rate assumes a 0.25% discount when you set up automatic payments from any checking or savings account. Offer valid on personal vehicle loans only. Criteria to receive the stated APR: Loan term 48 months or less, vehicle model 2017 and 2018 new or used models, with an excellent credit score. Borrower pays any closing costs. Auto Club Trust, FSB uses a managed credit program and final APR is dependent on your credit score, down payment, and loan term. An auto loan with an APR of 2.74% for a $35,000 loan at a term of 48 months, your payment would be $770.69 Vehicle purchases must be from a licensed, franchised dealership. Products are offered by Auto Club Trust, FSB, Equal Credit Opportunity Lender.

2 AAA Member Savings

Between 7/1/17 and 9/30/17, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2017, was $3,383. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer’s Suggested Retail Price (“MSRP”) is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer’s trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Neither TrueCar nor Auto Club Trust, FSB, sells or leases motor vehicles.

Member Savings currently not available in all states. In these states a “Target Price” is presented, which reflects a market-based example of what you can reasonably expect to pay for a vehicle configured with your desired options. Your configured vehicle may not be available or in-stock at the Certified Dealer.

TrueCar operates this information website (“Service”) featuring pricing, performance, technical, and safety data available for new and used vehicles. The Service is not available in all locations.

3 Auto Loan Calculator

This calculator is for informational purposes only and does guarantee an offer or loan approval. Actual terms will vary.


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 total fee for the AAA GAP Waiver is $299.00. Adding the lump sum of the fee to the amount you borrow 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.

AAA Total Protection Plan

AAA Protection Plan is available for qualifying vehicles, not all vehicles qualify. AAA Total Protection Plan is not underwritten/issued by AAA or its affiliates. The AAA Total Protection Plan program is provided and administered by: United Service Protection Corp.; in Florida, the provider is United Service Protection, Inc. (FL License #60016), each an Assurant Solutions company. The AAA Total Protection Plan is backed by an insurance company that is rated A by A.M. Best. Enrolling or not enrolling in the AAA Total Protection Plan Program will have no impact on any credit application or terms of credit with AAA. Once your vehicle purchase is complete, your contract will be mailed to you, and you will have 60 days to notify the Assurant Solutions company if you wish to cancel and receive a full refund. The contract contains additional information, including the terms, conditions, eligibility requirements and exclusions that could prevent you from receiving benefits. Please read the contract carefully for a full explanation of the benefits. Company and state-specific information is subject to change. AAA receives marketing fees in connection with the AAA Total Protection Plan.

4 Average savings based on 2016 countrywide comparison of new car dealers who market vehicle service contracts.
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