AAA Banking Loans

Frequently Asked Questions

Below is a listing of Frequently Asked Questions. Remember, you can call us at 844.541.2886 with any questions you may have.

How do I get an auto loan through AAA?
You can apply online at or call us at 844.541.AUTO (2886).
Can I add another person to my auto loan?
Yes, you can add another person as a co-borrower.
I received a pre-approval offer. What is it?
A pre-approval is a firm offer of credit made by the Auto Club Trust, FSB. Offer is subject to the applicant maintaining certain credit criteria upon acceptance.
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.
Am I required to take the entire amount of my auto loan offer?
The Up-to-Amount is the maximum amount you qualify for. Use only what you need based on your financing requirements. Know your pre-approved amount before you visit a licensed, franchised dealership and shop with confidence.
What is the AAA Auto Buying Service?
The AAA Auto Buying Service provides powerful tools that allow members to compare features, see pictures, read reviews, and check vehicle trade-in values. See what others paid for the car you want, so you know you're always getting a fair price. Maximize your savings with access to thousands of dealer and factory incentives. Choose your vehicle from local inventory that matches your preferences. Visit the AAA Auto Buying Service today!
Can I refinance or purchase a vehicle from a private party? supports vehicle purchases from licensed, franchised dealerships as well as the refinance of vehicle loans from other financial institutions. Auto Club Trust, FSB does not currently offer loans for private party sales. For any other vehicle financing needs, please contact us at 844.541.AUTO (2886)for assistance.
How do I access my online Auto Loan Application once I have started it?
Once you've started your auto loan application, you may exit and return to where you left off. Visit, click Get Started, and sign in to pick up where you left off.
How much time do I have before my application expires?
After you begin your application, you will have 30 days to find your vehicle and complete the auto loan process.
How long is my pre-approval offer valid?
Your offer has a defined expiration date. Visit, click Get Started, and sign in to view your offer details.
How long will it take to receive a credit decision?
Our online auto loan process takes just minutes once you provide the vehicle information and financing details. Some transactions may request the applicant to call for assistance. In those instances, the credit decision may take slightly longer.
Who is Auto Club Trust, Federal Savings Bank (FSB)?
Auto Club Trust, FSB is a federally chartered and FDIC insured bank, wholly owned by The Auto Club Group. It provides banking services to over 9 million members of AAA located in Florida, Georgia, Iowa, Illinois, Indiana, Michigan, Minnesota, Nebraska, North Dakota, Tennessee and Wisconsin.
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, refinance transactions, and applications submitted with a co-borrower will be reviewed manually prior to approval. You may call us at 844.541.AUTO (2886) to discuss financing assistance for motorcycles, RVs, boats, or vehicles purchased from a source other than a licensed, franchised dealership.
Do you provide commercial vehicle loans?
Auto Club Trust, FSB does not currently offer loans for commercial vehicles.
Does Auto Club Trust, FSB offer flexible payment terms?
You may select a terms of up to 72 months for this auto loan offer. There is no penalty for paying off a loan before the maturity date.
How will the dealership be paid?
Once you e-sign your loan documents and provide us with your dealer's email address, we will assign a unique funding code that you will provide to your dealer. Your dealer will receive an email containing instructions for requesting payment through AAA's state of the art Dealer Portal or your dealer may call 855.222.8154 for additional payment options. The dealer will receive payment 1-2 business days after we verify the purchase details.
If I refinance an existing auto loan through AAA, how is my old loan paid off?
The payoff must be obtained prior to signing the e-sign docs. The payoff should be obtained by the applicant as not all financial institutions will provide this information to AAA.
Does AAA finance auto lease buyouts?
Yes! You can refinance your auto lease buyout at or call us today at 844.541.AUTO (2886) to get started.
Will AAA refinance more than I currently owe on my vehicle?
You may be eligible to refinance more than you currently owe if you meet our credit guidelines. Visit or call 844.541.AUTO (2886) to get started.
Where do I find the Vehicle Identification Number (VIN)?
Locate the VIN by standing outside the vehicle and looking at the dashboard on the driver's side where it meets the windshield. You can also find the VIN on the driver's side door jamb, the purchase agreement provided by your dealer, or on your vehicle's title, registration, or insurance card.
What if I decide to finance through the dealership or another bank?
You may withdraw your loan application at any time prior to signing your loan documents. Call us at 844.541.AUTO (2886) for assistance.
My AAA auto loan offer expired, and now I'd like to submit my application. What do I do?
Visit or call 844.541.AUTO (2886) to restart your application.
Are there any pre-payment penalties?
Auto Club Trust, FSB does not charge pre-payment penalties on vehicle loans.
Can I pay my loan off early?
Yes. Auto Club Trust, FSB does not charge pre-payment penalties on vehicle loans.
Is my personal information secure?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. When interacting with, advanced security processes are in place to ensure a secure transaction between AAA and you.
Does AAA offer extended warranty or GAP coverage?
Yes! AAA's Total Protection Plans extend your vehicle's warranty. Should your vehicle be stolen and not recovered or totaled in an accident, our Guaranteed Asset Protection (GAP) coverage pays any difference between what you owe and the cash value of your vehicle. Qualified applicants may purchase this coverage and include the purchase price in your AAA auto loan. For more information, please call 844.541.AUTO (2886).
What other products does AAA offer?
Through its family of companies, AAA also provides roadside assistance, auto insurance and other products and services. For more information about the benefits of a AAA membership, visit, call 800.222.1134 or visit a AAA branch near you. To learn more about banking with AAA, visit or call 855.999.2265.
Do I need to be a member of AAA to get an auto loan?
Non-members may call 844.541.AUTO (2886) to submit an application by phone.
What states currently offer AAA Banking?
Auto Club Trust, FSB services the following U.S. states: Florida, Georgia, Iowa, Illinois, Indiana, Michigan, Minnesota, Nebraska, North Dakota, Tennessee, and Wisconsin.
Do you offer loans in U.S. territories, Canada or other countries?
Auto Club Trust, FSB does not currently offer loans in U.S. territories, Canada, or other countries.
What is your minimum loan amount?
Our minimum loan amount is $5,000.
Is there a maximum vehicle age?
We offer car loans on most makes and models of new or used cars. Used cars over 10 years old from the current model year must be reviewed manually before approval. Call 844.541.AUTO (2886) with any questions regarding a vehicle's age.
What do you consider a new and used vehicle?
A new vehicle has no previously recorded title. Any vehicle with a previous title record is considered used.