1 Annual Percentage Rate (APR)
Rates and terms effective as of 1/1/2021. All AAA loan promotions, rates, terms and conditions are subject to change at any time without notice. Mortgage, home equity, credit card and open-end loans are not eligible for this promotion. Promotion cannot be used to re-finance a current AAA auto loan. 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. AAA Membership must be active at time of loan closing. Offer ends 09/30/2020. Criteria to receive the stated APR: Loan term 48 months or less, vehicle model 2019 and 2020 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. An auto loan with an APR of 2.64% for a $20,000 loan at a term of 48 months, your monthly payment would be $440.00.

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



Car type


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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

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

“I got a great offer on a great car and the financing was great!”
Larry Doran
Frequently Asked Questions
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. You may call us at 844.541.AUTO (2886) to discuss financing 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
$6.64 to your monthly
auto loan payment
(for a 48 month loan term)

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)

2 AAA Member Savings

Between 1/1/19 and 12/31/19, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through the AAA Auto Buying Program and who were identified as buying a new vehicle from that Certified Dealer was $3,123. 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 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 many vehicles are sold below MSRP. Each dealer sets its own pricing.

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 not 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.

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