Disclosures
1 Annual Percentage Rate (APR)
Rates and terms effective as of 7/1/2026. Advertised rates and terms are subject to change without notice. Additional terms and restrictions may 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. Rate is variable. Offer valid on personal vehicle loans only. Criteria to receive the stated APR: Loan term 48 months or less, vehicle model 2017 – 2023 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 6.19% for a $20,000 loan at a term of 48 months, your estimated monthly payment would be $471. An auto loan with an APR of 6.44% for a $20,000 loan at a term of 48 months , your estimated payment would be $474. Private party sales will not be financed.
2 Annual Percentage Rate (APR) RV Loans
Rates and terms effective as of 7/1/2026. Advertised rates and terms are subject to change without notice. Additional terms and restrictions may 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. Rate is variable. Criteria to receive the stated APR: Loan term 48 months or less, $5,000 minimum loan amount, model year 2021-2023, with an excellent credit score. Auto Club Trust, FSB uses a managed credit program and final APR is dependent on your credit score. An RV loan with an APR of 7.49% for a $35,000 loan at a term of 48 months, your estimated monthly payment would be $846. An RV loan with an APR of 7.74% for a $35,000 loan at a term of 48 months, your estimated monthly payment would be $850.
3 Interest charges will accrue from the date of loan.
4 Auto Loan Calculator
The figures entered on the input page of this calculator are for hypothetical purposes only. You should enter figures that are appropriate to your individual situation. The results provided by this calculator are also intended for illustrative purposes only and accuracy is not guaranteed. This calculator is not intended to offer any tax, legal, financial or investment advice and does not assure the availability of or your eligibility for any specific product offered, nor does this calculator predict or guarantee the actual results of any product. The terms and conditions of products offered will differ and may affect the results of the calculator. Please consult with qualified professionals to discuss your situation. The final APR may differ from the APR in the above results due to additional fees that may be applicable.
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 base fee for the AAA GAP Waiver is $349.00*. The lump sum of the fee will be added to the amount you borrow and 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
*Colorado: The GAP Waiver Agreement charge is $299.00. Since this transaction contains a fee for the GAP Waiver Agreement, all holders and assignees of this consumer credit transaction are subject to all claims and defenses which you could assert against the original creditor resulting from your purchase of the GAP Waiver Agreement.