Couple signing final paperwork for their new car

Auto Loans

Competitive Rates for AAA Members with rates as low as 2.44%APR1!

We have partnered with reputable lenders to provide very competitive rates for qualified buyers on both new and used models. Refinancing and lease buyouts are available as well. The auto loan program, arranged through major financial institutions2, gives you the benefit of low rates at competitive terms to fit your budget.


Applying is easy:

Apply Now, Call: 833-345-5626

Apply Now

1 Rates contingent on model year, down payment and credit score


Rates and terms subject to change without notice. Some restrictions and fees may apply. Auto loan rates listed are for AAA members only and may not be available in all areas. Actual rate will be determined by individual creditworthiness. Example: Borrowing at 2.44%APR for new and used 2008 - 2018 models for 60 months results in payments of $17.72 per $1,000 borrowed. No down payment required for qualified applicants. Refinancing subject to applicable registry title fees.


2 Loans provided by Auto Club Trust, FSB. Equal Opportunity Lender. Member FDIC.

Terms & Conditions.
"I", "me", and "my" refers to anyone who is applying for a loan, either jointly or in their own name. AAA will provide your application to one or more financial institutions (a lender) which will make a decision on whether to grant you a loan and on what terms it will offer it to you. AAA is not a Lender and does not underwrite your loan request. Married applicants may apply for a separate account. You represent and warrant that all statements made in this application are true and correct, and are made for the purpose of obtaining the loan request indicated herein from a Lender. I hereby give
authorization to the Lender to obtain my credit report; AAA does not obtain any credit reports. Verification or re-verification of any information contained in this application may be at any time by AAA or any Lender, its agents, successors and assigns from any source named in this application, and this application will be retained by the Lender, even if the loan is not approved; The lender will rely on the information contained in the application and applicant has a continuing obligation to update the information provided in this application if any of the material facts stated herein should change prior to closing. Information from a Carfax Vehicle History report may be used in conjunction with the application. AAA and the Lender make no representations or warranties, express or implied to any applicant or borrower regarding the value, condition, or identification of the vehicle to be purchased or refinanced . Telephone conversations with AAA Group employees may be monitored and recorded. I agree that AAA Group personnel will provide me with certain notices through the AAA system. I understand that I may have to complete an application with a lender before they will extend a loan offer to me. I understand that the Lender may contact me to discuss the application before extending an offer to me. I also understand that some lenders that AAA works with may require me to establish a share account (checking account) with them as a condition to obtaining a loan from them.