Discounts & Rewards
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AAA covers all of your auto loan needs
Finance a car purchased from a dealership.
existing auto loan.
ESTIMATE YOUR MONTHLY CAR PAYMENT
AAA Auto Loan Calculator
See the discounted rate with Automatic Payments
Additional loan rates and terms available. Terms available up to 84 months.
Auto loan rate as low as
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.
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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.
which only adds about
$6.64 to your monthly
auto loan payment
(for a 48 month loan term)
An average savings of 40%
Cancelable or transferable
Need assistance? We are happy to help!
Hours of Operation: Mon to Fri 8:00 am-5:00 pm (ET)
Annual Percentage Rate (APR)
Rates and terms effective as of 10/1/2021. 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. Offer ends 1/31/2022. Criteria to receive the stated APR: Loan term 48 months or less, vehicle model 2020 and 2021 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 2.19% for a $20,000 loan at a term of 48 months, your monthly payment would be $436. Private party sales will not be financed. Products are offered by Auto Club Trust, FSB, Equal Credit Opportunity Lender.
Interest charges will accrue from the date of loan.
Auto Loan Calculator
This calculator is for informational purposes only and does not guarantee an offer or loan approval. Actual terms will vary.
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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