Shop for your next new or used car and get upfront AAA member price offers online.
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.
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.
Additional loan rates and terms available. Terms available up to 84 months.
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
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.
Yes, you can add another person as a co-borrower.
Auto Club Trust, FSB does not charge pre-payment penalties on vehicle loans.
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
$299 total
which only adds about
$6.64 to your monthly
auto loan payment
(for a 48 month loan term)
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 |
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| 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. |
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This GAP payment example is for illustrative purposes only.
Learn more about GAP
Disclosures
†Annual Percentage Rate (APR). Rates and terms effective as of 8/23/2022. 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 3.99% for a $20,000 loan at a term of 48 months, your estimated monthly payment would be $451. Private party sales will not be financed.
††Annual Percentage Rate (APR). RV Loans. Rates and terms effective as of 8/23/2022. 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
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.
Protection plans are available on eligible loan products.
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.
AUTO BUYING
