AAA Banking Loans Frequently Asked Questions

Remember, you can call us at 844.541.2886 with any questions you may have.

Auto Club Trust, FSB is a federally chartered and FDIC insured bank, wholly owned by The Auto Club Group. It provides banking services to members of AAA located in Colorado, Delaware, the District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Minnesota, Nebraska, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Virginia, West Virginia, and Wisconsin.

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.

You can apply online at www.aaa.com/autoloans or call us at 844.541.2886

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

AAA.com supports vehicle purchases from licensed 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 or vehicles purchased through auctions or brokers. For any other vehicle financing needs, please contact us at 844.541.2886 for assistance.

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

Auto Club Trust, FSB does not currently offer loans for commercial vehicles.

You may select a term of up to 84 months for this auto loan offer. There is no penalty for paying off a loan before the maturity date.

Once you DocuSign your loan documents, the financial institution will receive payment within 7 business days after we verify the payoff details.

Yes! Please call us today at 844.541.2886 to get started.

You may be eligible to refinance more than you currently owe if you meet our credit guidelines. Visit www.aaa.com/autoloans or call 844.541.2886 to get started.

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.

You may withdraw your loan application at any time prior to signing your loan documents. Call us at 844.541.2886 for assistance.

Visit www.aaa.com/autoloans or call 844.541.2886 to restart your application.

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

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

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 our website, advanced security processes are in place to ensure a secure transaction between AAA and you.

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 add this coverage to their loan. The purchase price will be financed into your AAA auto loan. We currently do not offer extended vehicle warranties. For more information, please call 844.541.2886.**

Through its family of companies, AAA also provides roadside assistance, auto insurance and other products and services. For more information about the benefits of AAA membership, click here, call 800.222.1134 or visit the AAA branch near you. To learn more about banking with AAA, visit www.aaa.com/banking or call 844.541.2886.

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

Auto Club Trust, FSB services the following U.S. states: Colorado, Delaware, the District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Minnesota, Nebraska, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Virginia, West Virginia and Wisconsin.

Auto Club Trust, FSB does not currently offer loans in U.S. territories, Canada, or other countries.

Our minimum loan amount is $5,000.

We offer auto loans on most makes and models of new or used vehicles. Used vehicles over 10 years old from the current model year must be reviewed manually before approval. Call 844.541.2886 with any questions regarding a vehicle’s age.

A new vehicle has no previously recorded title. Any vehicle with a previous title record is considered used.

If you haven’t submitted your application, information entered is not saved. You can go to www.aaa.com/autoloans and click on the Apply Now button to begin a new application. If you submitted your application and want to make updates or see the status of your decision, log into our Applicant Portal. A Welcome to Applicant Portal message was sent to the email address you provided on the application.

Decisions are usually available same business day. We’ll send you an email when the decision is ready.

Once you DocuSign your loan documents, the dealer will receive payment within 1-2 business days.

** AAA Guaranteed Asset Protection (GAP) is offered in the following states only: Colorado, Delaware, the District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Michigan, Minnesota, Nebraska, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Virginia, West Virginia and Wisconsin.