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*Annual Percentage Rate (APR) payment examples: A new car APR of 2.04% for a $35,000 loan and a term of 48 months would require a monthly payment of $759.96. If you choose to enroll in automatic payments for your new car loan at an APR of 1.79% for a $35,000 loan at a term of 48 months, your monthly payment would be $756.14. A used car APR of 2.54% for a $35,000 loan and a term of 48 months would require a monthly payment of $767.63. If you choose to enroll in automatic payments for your used car loan at an APR of 2.29% for a $35,000 loan and a term of 48 months, your monthly payment would be $763.79. Rates and terms effective as of 7/25/16.

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Buying works

Auto Buying Made Easy

Why spend hours haggling at the dealership? AAA Auto Buying has helped our members save an average of $3,279.*

You Could Drive the Savings

An auto loan through AAA could save you hundreds of dollars. Finance a new or used vehicle for as low as 1.89% APR for 60 months. **

The Protection You Need

Learn more about auto insurance through AAA.

Finance

AAA’s competitive low rates

No hidden fees and a few ways to lower your rate

APR* as low as

2.04%

Standard bank rate

1.79%

Discounted rate with Automatic Payments
For 48 months
APR* as low as

1.49%

Discount rate with Auto Buying and Auto Pay

For 48 months

Watch How it Works

Watch how Auto
Financing works



Protect

Auto

AAA Members who switch to auto insurance through AAA save an average of $522*. Learn how much you can save today.

Motorcycle & Off-Road Vehicles

Protect one of your favorite assets and save. Learn more about the discounts available with motorcycle insurance though AAA.

Recreational Vehicle (RV)

Don’t roam the open road without an RV insurance quote from AAA. Learn how much you can save today.

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. 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 an average of $522 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.


How it works


Get Pre-Approved


See How Much You Pre-Qualify For
Accept your existing offer or get pre-qualified with no risk to your credit score.

Go Shopping


Find Your New Car
Work with your dealer or use the AAA Auto Buying Program to enjoy great member savings.

Protect Your Car


Protect Your Car
Include member discounted AAA products to protect your vehicle in your auto financing with just a click.

Click To Sign


Click to Sign
Finalize your loan details and e-sign your loan documents with just a click of a button.

Drive Home


Drive Home Today
Once you’re done, AAA pays your dealer electronically. It’s that easy.


Refinance for Less

Lower your car payments or reduce the rate on your current car loan.

Call 844.541.2886

* Annual Percentage Rate (APR) payment examples: A new car APR of 2.04% for a $35,000 loan and a term of 48 months would require a monthly payment of $759.96. If you choose to enroll in automatic payments for your new car loan at an APR of 1.79% for a $35,000 loan at a term of 48 months, your monthly payment would be $756.14. A used car APR of 2.54% for a $35,000 loan and a term of 48 months would require a monthly payment of $767.63. If you choose to enroll in automatic payments for your used car loan at an APR of 2.29% for a $35,000 loan and a term of 48 months, your monthly payment would be $763.79. Rates and terms effective as of 7/25/16.

** Loans made by Auto Club Trust, FSB

*** No private party sales will be financed

† Between 7/1/15 and 9/30/15, the average estimated savings off Manufacturer’s Suggested Retail Price (“MSRP”) presented by TrueCar Certified Dealers to users of TrueCar powered by websites, based on users who configured virtual vehicles and subsequently purchased a new vehicle of the same make and model listed on the certificate from Certified Dealers, was $3,279, including applicable vehicle-specific manufacturer incentives. 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 not all vehicles are sold at MSRP. Each Certified Dealer sets its own pricing and will confirm actual vehicle availability from in-stock inventory, including options and color choices. Neither TrueCar nor AAA Michigan brokers, sells or leases motor vehicles.

†† 1.89% APR Annual Percentage Rate. Offer equals 60 monthly payments of $17.48 for each $1,000 borrowed. The stated APR is for borrowers who meet certain credit criteria and loan requirements, along with an automatic payment from a checking or savings account. Other loan terms and rates available. Offer valid on personal vehicle loans only. Criteria to receive the stated APR for loan term of 60 months or less; vehicle model year 2015 or newer. Borrower pays any closing costs. Auto Club Trust, FSB uses a managed credit program and final APR is dependent on your credit score. Rate effective 6/9/16. Other restrictions may apply.

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.

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.

Products are offered by Auto Club Trust, FSB, Equal Credit Opportunity Lender