Fast funding for auto loans

Complete our easy application in minutes and get an approval decision fast. You’ll lock in your rate and know how much you can afford — new, used or refinance. Plus, you’ll have financing from a trusted name recognized anywhere you shop.

1 Apply in Minutes
Then access the Applicant Portal to view status, communicate and share documents.
2 Upload Documents
Upon approval, provide final documents and sign through DocuSign.
3 Funding Sent
 Once documents are signed, funds are sent to your dealer or your lender if refinancing.


AAA Auto Loan Calculator§

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Questions? We're here to help!

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 844.541.2886 to discuss financing assistance.

Auto Club Trust, FSB does not charge pre-payment penalties on vehicle loans.

No, non-members may submit an application online or call 844.541.2886 to submit an application by phone.

Yes, you can add another person as a co-borrower.

After you begin your application, you will have 30 days to find your vehicle and complete the auto loan process.

Need Assistance? We Are Happy To Help!


Hours of Operation: Mon to Fri 8:00 am - 5:00 pm (ET)

AAA Auto Buying Program


shield AAA Member Savings
Get your AAA Member Savings before visiting a dealership. Savings also apply to leasing. There is never any obligation to purchase.
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Work with our prescreened dealers to ensure a better car buying experience.
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Access unlimited Price & Market Reports, plus compare features, see pictures, read reviews, and check your trade-in value.

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AAA is proud to offer Special Discounted Protection Plans


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 is financed within your AAA Auto Loan.


GAP Waiver
Total loan amount owed: $35,000
Insurance settlement amount: $31,000
Insurance deductible: $1,000
Outstanding debt you owe: $5,000

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.

Other Popular AAA Automotive Resources



Interest charges will accrue from the date of the loan.

††Annual Percentage Rate (APR).  Rates and terms effective as of /1/. 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. Not valid on recreational vehicles or motorcycles. Offer ends 3/31/2022. Criteria to receive the stated APR: Loan term 48 months or less, vehicle model 2016 to 2022 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 2.19% for a $20,000 loan at a term of 48 months, your estimated monthly payment would be $436. 

AAA Member Savings

Between 1/1/20 and 12/31/20, 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 $3,197. 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.

§ 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 base fee for the AAA GAP Waiver is $299.00. 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.