AAA Will Help You Borrow for LESS

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Competitive Rates for AAA Members as low as 3.39% APR!1

With Auto Loans through AAA’s Partner,2 it’s easy to apply for a new loan or refinance an existing one. You can compare costs, research pricing, and get a great rate before you step foot on a car lot. It’s the AAA way of making things go right for you.


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Financial Services

AAA is not a lender and does not underwrite loan requests. AAA may be compensated for the referral of auto loan customers.

1 Rates contingent on model year, down payment and credit score. Annual Percentage Rate (APR). Rates and terms effective as of 1/1/2020. 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 and vehicle model 2019 and 2020 new or used models. 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 3.39% for a $20,000 loan at a term of 48 months, your monthly payment would be $446.77. No private party sales will be financed. 

2 Products are offered by Auto Club Trust, FSB, Equal Credit Opportunity Lender. Member FDIC. Equal Housing Opportunity Provider

Terms & Conditions.
"I", "me", and "my" refers to anyone who is applying for a loan, either jointly or in their own name. AAA will provide your application to one or more financial institutions (a lender) which will make a decision on whether to grant you a loan and on what terms it will offer it to you. AAA is not a Lender and does not underwrite your loan request. Married applicants may apply for a separate account. You represent and warrant that all statements made in this application are true and correct, and are made for the purpose of obtaining the loan request indicated herein from a Lender. I hereby give authorization to the Lender to obtain my credit report; AAA does not obtain any credit reports. Verification or re-verification of any information contained in this application may be at any time by AAA or any Lender, its agents, successors and assigns from any source named in this application, and this application will be retained by the Lender, even if the loan is not approved; The lender will rely on the information contained in the application and applicant has a continuing obligation to update the information provided in this application if any of the material facts stated herein should change prior to closing. Information from a Carfax Vehicle History report may be used in conjunction with the application. AAA and the Lender make no representations or warranties, express or implied to any applicant or borrower regarding the value, condition, or identification of the vehicle to be purchased or refinanced . Telephone conversations with AAA Group employees may be monitored and recorded. I agree that AAA Group personnel will provide me with certain notices through the AAA system. I understand that I may have to complete an application with a lender before they will extend a loan offer to me. I understand that the Lender may contact me to discuss the application before extending an offer to me. I also understand that some lenders that AAA works with may require me to establish a share account (checking account) with them as a condition to obtaining a loan from them.