The New Year promises of fresh starts and exciting possibilities. And what better way to kick off a brand new chapter than with a new car? But before you get swept away by the allure of that sleek SUV or the comfort of that roomy family sedan, let's talk finances. Here at AAA, we understand that a car is a significant investment, and that's why we're here to make your dream a reality with exceptional auto loan options.

Why choose AAA auto loans?

• Rates as low as 6.49%^₁ APR – Say goodbye to sky-high interest rates and hello to affordable monthly payments that fit your budget.
• $0 Down, $0 Origination Fees, $0 Payments for 90 Days² – Breathe easy knowing there's no initial financial burden. Focus on finding your perfect vehicle and enjoy a three-month grace period before your payments begin.
• Finance a Wide Range of Vehicles – Whether you're eyeing a brand new fuel-efficient sedan, a spacious minivan for the family, or a rugged SUV for your weekend adventures, we've got you covered. We offer loans for most makes and models of new and used cars, small trucks, SUVs, and minivans.
• Trustworthy Partner in Your Corner – AAA has been a beacon of reliability for over a century, and our auto loan program is no exception. We're committed to providing you with a smooth and transparent loan experience, every step of the way.
   

Ready to get started?

• Apply online in just minutes and receive a quick decision.
• Call our dedicated team at (844)541-AUTO (2886) for personalized assistance. We're available Monday to Friday, 8:00 am to 5:00 pm ET.
• Visit your local AAA branch and chat with our friendly experts.
   

Let AAA Auto Loans help you cruise into 2024 with confidence and style. Turn the page on your old car and use our auto loan calculator to estimate your payment. 

AUTO LOAN CALCULATOR

Disclosures

¹ Annual Percentage Rate (APR)

Rates and terms effective as of 1/1/2024. 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. Rate is variable. Offer valid on personal vehicle loans only. Criteria to receive the stated APR: Loan term 48 months or less, vehicle model years 2018 - 2024, new or used, with a credit score of 720 or higher based on the Vantage scoring model. Buyer is responsible for all state or local fees. 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 6.49% for a $20,000 loan at a term of 48 months, your estimated monthly payment would be $474. An auto loan with an APR of 6.74% for a $20,000 loan at a term of 48 months, your estimated payment would be $477. Private party sales will not be financed.

² Interest charges will accrue from the date of the loan.