Discounts & Rewards
RV & Campers
Boat & Utility Trailers
Refer a Friend
Give a Gift Membership
Safety Patroller - Free Associate Membership
Teen Driver - Free Associate Membership
ID Theft Monitoring
Add a Family Member
Print My AAA Card
Auto – AAADrive™ Discount
Recreational Vehicle (RV)
Pet Health Insurance
Free Online Quotes
Motorcycle & Off-Road Vehicle Quote
Recreational Vehicle (RV) Quote
Term Life Quote
Retrieve Saved Quote
File Auto Glass Claim
Get Access to Your Policy
View Insurance Information
Pay Insurance Bill
Pay Life Insurance Bill
AAA Triple Check
Inquire About Your Policy
Maps & Directions
Online Maps & Routings
Order Maps & TourBooks
Traffic & Construction
Theme Parks & Attractions
Purchase Attraction Tickets
Universal Orlando Vacations
AAA Road Trips
AAA Travel Money
International Driving Permit
AAA Mobile App
Discounts & Dollars
AAA Auto Buying
AAA Auto Loans
Green Car Guide
Maintenance & Repair
AAA Mobile Battery Service
AAA Approved Auto Repair
Classes & Training
AAA Driver Training
Wet Weather Driving
Driving Safety Guide
On the Road
Traffic & Construction
TripTik, TourBooks & Maps
Savings, CDs & IRAs
Auto Loans & Buying
Auto Buying Services
Manage My Money
Account Log In
Online Banking Sign Up
Mobile Banking Sign Up
Auto & Consumer Loan Payment
Access Mortgage Account
AAA Credit Cards
Manage My Credit Card
Trust & Investments
Contact AAA Banking
Drinking & Driving
AAA Living Magazine
In Your Community
AAA Local Events
Annual Percentage Rate (APR)
Rates and terms effective as of 1/1/2021. 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. AAA Membership must be active at time of loan closing. Offer ends 09/30/2020. Criteria to receive the stated APR: Loan term 48 months or less, vehicle model 2019 and 2020 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 2.64% for a $20,000 loan at a term of 48 months, your monthly payment would be $440.00.
AUTO PROTECTION PLANS
Buy for less with AAA Auto Buying
Shop for your next car using AAA Auto Buying to receive AAA Member Savings as well as many other benefits.
Your Next Car
Search top brands and save.
Search NEW Cars
Search USED Cars
Member Success Stories
AAA did an excellent job. The guaranteed savings certificate came in even lower than I had initially received from Truecar.com directly. The dealership pulled in the model and color vehicle I wanted from another dealer and I bought it the same day I went to see it.
— John P.
New Car Buyers save an average of $3,123 off MSRP
AAA Member Savings
Get your AAA Member Savings before visiting a dealership. Savings also apply to leasing. There is never any obligation to purchase.
Certified Dealer Network
Work with our prescreened dealers to ensure a better car buying experience.
Powerful Research Tools
Access unlimited Price & Market Reports, plus compare features, see pictures, read reviews, and check your trade-in value.
Start Your Car Search Above Or Call
AAA covers all of your auto loan needs
Finance a car purchased from a dealership.
existing auto loan.
Shop for a car and get AAA Member Savings.
ESTIMATE YOUR MONTHLY CAR PAYMENT
AAA Auto Loan Calculator
See the discounted rate with Automatic Payments
Auto loan rate as low as
Auto Financing at its finest
AAA is proud to serve its members with this seamless and innovative program that puts you in the driver’s seat.
“It worked, it was seamless. I was quite happy with my first online loan experience.”
“I got a great offer on a great car and the financing was great!”
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.
VIEW ALL FAQs
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
AAA is proud to offer special discounted protection plans.
Guaranteed Asset Protection (GAP) Waiver - Only $299
If your vehicle is stolen and not recovered or if your vehicle is in an accident and declared a total loss by your insurance company, GAP covers the difference between what you owe on your loan payoff amount for your vehicle and your insurance settlement amount. GAP also provides coverage for up to $1,000 of your insurance deductible. The AAA GAP Waiver can be financed within your AAA Auto Loan.
Here is an example of how GAP coverage works:
Total loan amount owed:
Insurance settlement amount:
Outstanding debt you owe:
In this example, the outstanding amount you owe would be waived by the GAP Waiver leaving you with a balance of $0.
This GAP payment example is for illustrative purposes only.
Learn more about GAP
AAA Total Protection Plans
AAA Total Protection Plans provide worry-free protection against covered repairs to your vehicle. With a $0 deductible, you can select any authorized, licensed repair facility throughout the U.S. and Canada. AAA Total Protection Plans can be financed within your AAA Auto Loan.
Worry-free protection against unexpected repairs
Select any authorized, licensed repair facility in the U.S. and Canada
Trip interruption and substitute transportation benefits
Cancelable or transferable
See what’s covered with the AAA Total Protection Plans
Source: 2016 costs based on data provided by Assurant Solutions. Actual costs may vary.
Learn more about AAA Total Protection Plans
PROTECTION PLAN FAQ
Other popular AAA automotive resources
Need assistance? We are happy to help!
Hours of Operation: Mon to Fri 8:00 am-5:00 pm (ET)
AAA Member Savings
Between 1/1/19 and 12/31/19, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through the AAA Auto Buying Program and who were identified as buying a new vehicle from that Certified Dealer was $3,123. 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 many vehicles are sold below MSRP. Each dealer sets its own pricing.
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.
Auto Loan Calculator
This calculator is for informational purposes only and does not guarantee an offer or loan approval. Actual terms will vary.
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.
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.
Auto Loan Application Temporarily Unavailable
We apologize for any inconvenience and appreciate your patience. Thank You.
Banking Security & Privacy Statement
FDIC Insurance Coverage Information
| 855.999.BANK (2265)
© Auto Club Trust, FSB. All rights reserved.
For the Media
Serving AAA Members and residents of Florida as well as Georgia and Tennessee.
Other AAA Clubs
© 2021 AAA, All Rights Reserved.
Other AAA Clubs
© 2021 AAA, All Rights Reserved