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 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.
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 844.541.2886
to discuss financing assistance.
How do I get an auto loan through AAA?
Can I add another person to my auto loan?
Yes, you can add another person as a co-borrower.
Can I refinance or purchase a vehicle from a private party?
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
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.
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 term of up to 84 months for this auto loan offer. There is no penalty for paying off a loan before the maturity date.
If I refinance an existing auto loan through AAA, how is my old loan paid off?
Once you DocuSign your loan documents, the financial institution will receive payment within 7 business days after we verify the payoff details.
Does AAA finance auto lease buyouts?
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 AAA.com/autoloans
or call 844.541.2886
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 844.541.2886
My AAA auto loan offer expired, and now I’d like to submit my application. What do I do?
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 AAA.com
, advanced security processes are in place to ensure a secure transaction between AAA and you.
Does AAA offer extended warranty or GAP coverage?
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
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 AAA membership, visit AAA.com
, call 800.222.1134
or visit the AAA branch near you. To learn more about banking with AAA, visit AAA.com/banking
or call 844.541.2886
Do I need to be a member of AAA to get an auto loan?
No, non-members may submit an application online or call 844.541.2886
to submit an application by phone.
What states currently offer AAA Banking?
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.
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 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.
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.
How do I access my Auto Loan Application once I have started it?
If you haven’t submitted your application, information entered is not saved. You can go to AAA.com/autoloans
and click on the Appy 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.
How long will it take to receive a credit decision?
Decisions are usually available same business day. We’ll send you an email when the decision is ready.
How will the dealership be paid?
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.