Buy for less with AAA Auto Buying

Shop for your next new or used car and get upfront AAA member price offers online. 

 

Image

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.



Car Buying & Selling Made Easy

 

USED CARS

Shop used cars from local and online dealers nationwide. Narrow your search with helpful filters like body style, price, mileage and more.

 

NEW CARS

See what others paid and get your AAA member price offer online that includes incentives, discounts, and fees.

 

SELL OR TRADE-IN

Take advantage of high used car values and see what your car's worth. Cash out or trade in for your next car. 



Start Your Car Search Above Or Call 877.637.0210




 

Other popular AAA automotive resources

CARFAX® Reports    |    Auto Insurance    |    Auto Advice


Need assistance? We are happy to help!

844.541.2886

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


AAA covers all of your auto loan needs

Shop for a car and get your AAA member price online.

Shop Now

Finance a car purchased from a dealership, including lease buyout.

APPLY NOW

Refinance an existing auto loan.

Apply to refinance

 

Finance an RV purchase.

APPLY NOW

ESTIMATE YOUR MONTHLY CAR PAYMENT

AAA Auto Loan Calculator §

Amount
$
Car Type
Loan Term
Credit Type
See the discounted rate with Automatic Payments
Auto loan rate as low as
APR
Estimated payment

Additional loan rates and terms available. Terms available up to 84 months.





 

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.”
— Stephanie Myers

 

“I got a great offer on a great car and the financing was great!”
— Larry Doran

Video



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.

 

Guaranteed Asset Protection (GAP) Waiver

 

$349 total
which only adds about
$7.88 to your monthly
auto loan payment

(for a 48 month loan term)

 

Other popular AAA automotive resources

CARFAX® Reports    |    Auto Insurance    |   
Auto Advice


Need assistance? We are happy to help!

844.541.2886

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



AAA is proud to offer special discounted protection plans.

Guaranteed Asset Protection (GAP) Waiver - Only $349

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.

Here is an example of how GAP coverage works:                 

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.

Learn more about GAP



 

Other popular AAA automotive resources

CARFAX® Reports    |    Auto Insurance    |    Auto Advice


Need assistance? We are happy to help!

844.541.2886

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


Disclosures

Annual Percentage Rate (APR).  Rates and terms effective as of 11/22/2022. Advertised rates and terms are subject to change without notice. Additional terms and restrictions may 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. Criteria to receive the stated APR: Loan term 48 months or less, vehicle model 2016 — 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 5.99% for a $20,000 loan at a term of 48 months, your estimated monthly payment would be $470. Private party sales will not be financed.
††Annual Percentage Rate (APR)RV Loans. Rates and terms effective as of 11/22/2022. Advertised rates and terms are subject to change without notice. Additional terms and restrictions may 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. Criteria to receive the stated APR: Loan term 48 months or less, $5,000 minimum loan amount, model year 2020-2022, with an excellent credit score. Auto Club Trust, FSB uses a managed credit program and final APR is dependent on your credit score. An RV loan with an APR of 5.99% for a $35,000 loan at a term of 48 months, your estimated monthly payment would be $822.

†††Interest charges will accrue from the date of the loan

§ Auto Loan Calculator

The figures entered on the input page of this calculator are for hypothetical purposes only. You should enter figures that are appropriate to your individual situation. The results provided by this calculator are also intended for illustrative purposes only and accuracy is not guaranteed. This calculator is not intended to offer any tax, legal, financial or investment advice and does not assure the availability of or your eligibility for any specific product offered, nor does this calculator predict or guarantee the actual results of any product. The terms and conditions of products offered will differ and may affect the results of the calculator. Please consult with qualified professionals to discuss your situation. The final APR may differ from the APR in the above results due to additional fees that may be applicable

Insurance

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 $349.00*. 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.

*Colorado: The GAP Waiver Agreement charge is $299.00. Since this transaction contains a fee for the GAP Waiver Agreement, all holders and assignees of this consumer credit transaction are subject to all claims and defenses which you could assert against the original creditor resulting from your purchase of the GAP Waiver Agreement.