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auto purchase

Put Yourself in the Driver's Seat

Use our auto loan calculator to explore what's possible with exclusive auto loan financing just for AAA members. Estimate your monthly payment and compare different loan scenarios to see how you can secure the best possible rate.

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better financing for the road ahead

Start your engines, not your paperwork

Whether you're buying or refinancing, apply online in minutes and enjoy fast approvals, low member rates, flexible terms, and $0 down with no origination fees.

  • Online Application

    Skip the paperwork—our secure digital application makes it fast and easy to get started from wherever you are.

  • Fast Approvals

    We make lending simple with quick decisions, helping you get behind the wheel and on your next adventure.

  • Competitive Rates

    Enjoy rates as low as 4.99% APR. Plus, save even more over the life of your loan with an additional 0.25% discount when you enroll in AutoPay.1

  • Flexible Terms

    Choose the loan term that works best for you whether you’re looking for lower payments or a quicker payoff.

  • No Hidden Fees

    Buy with confidence knowing there are no upfront costs or origination fees—just straightforward, honest financing.

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auto loan refinance

Drive down your monthly payment

Stop overpaying on your existing car loan! Refinance your auto loan with AAA and enjoy lower rates, fewer fees, and more money in your pocket.

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Make an Auto Loan Payment

Login to online banking to make a one-time payment or set up recurring payments—quickly, easily, and on your schedule.

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triple avantage savings

Drive towards greater savings

While you're financing your dream car, make your money work harder with a Triple Advantage Savings account, earning up to 3.40% APY3 with no limits or monthly fees.

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triple advantage

Why choose AAA Banking?

  • Banking Made Easy, From Start to Finish.

    From a straightforward online application to managing your funds and payments, our digital banking platform ensures hassle-free and transparent control of your money.

  • Your Security. Our Priority.

    Protection is part of who we are. That's why we use bank-level encryption and strict security protocols—so you can bank with confidence, knowing your information and finances are always safe and secure.

  • Century of Advocacy, Lifetime of Guidance.

    With 100 years of advocating for driver rights, our experienced team helps members like you find the best auto loan rates and make informed decisions every day.

Frequently Asked Questions

  • We offer flexible auto loan options to fit your needs, whether you're buying or refinancing:

    • Purchase Loans – Planning to buy a new or used vehicle? We can help you finance it with competitive rates and terms that work for your budget.
    • Refinance Loans – Already have a car loan? You may be able to lower your monthly payment or interest rate by refinancing with us.

    Whether you're getting behind the wheel of something new or looking to save on your current loan, we're here to help make it easy and affordable.

    To learn more, we encourage you to visit our Auto Loans page.

  • Our auto loan rates start as low as 4.99% APR for new and used vehicles (model years 2020 or newer) with a term of 48 months or less — available to AAA members who enroll in auto pay. Keep in mind that your actual rate may vary based on a few different factors, including the vehicle’s year, make, and model, the loan term, and your credit score.

    Want a better idea of what your rate and monthly payment could look like? Try out our auto loan calculator—it’s a quick and easy way to explore your options before you apply.

    Note: You must be a AAA member to apply.

     

     

  • Yes! Auto loans are a exclusive benefit for AAA members only.  The good news is, becoming a member is quick and easy. And once you’re a member, you can move forward with a loan application right away.

    For more information, we encourage you to visit our Auto Loans page.

     

     

  • Yes! Your loan approval and interest rate are locked in for 30 calendar days from the date of your original loan submission, which means you know before you shop exactly how much car you can afford.

    Note: You must be a AAA member to apply. For more information, visit our Auto Loans page.

     

  • Yes, you sure can! Whether your current loan is with AAA Banking or another lender, we’re happy to help you refinance. It could be a great way to lower your rate, reduce your monthly payment, or adjust your loan terms to better fit your needs.

    However, auto loans are an exclusive benefit for AAA members only. You must have a valid AAA membership to start an application. The good news is, becoming a member is quick and easy. Once you’re a member, you can proceed with a loan application right away.

    For more information, we encourage you to visit our Auto Loans page.

  • You’ve got some great options! With a loan from AAA Banking, you can purchase a vehicle from:

    • Franchise dealers – These are dealerships that sell new and used cars from major manufacturers like Ford®, GM®, Honda®, and more.
    • Approved independent dealers – These dealers aren’t tied to a specific manufacturer but are still part of our trusted network.

    At this time, loans can’t be used for private party purchases, but we’re happy to help you find a dealer that fits your needs!

    Note: You must be a AAA member to apply. For more information, visit our Auto Loans page.

  • Your loan approval and interest rate are locked in for 30 calendar days from the date of your original loan submission!

View All FAQs

Get more for your money.

Become a Member

Are you a AAA member?

Your membership status helps us direct you to the correct application for your needs.

Confirm your AAA membership

To proceed with your application, please verify your membership using one of the options below.

OR

Access More with a AAA Membership

Auto loans are an exclusive benefit for AAA members only. The good news is, becoming a member is quick and easy, and will allow you to proceed with your application. If you need help signing up, you can contact the AAA Member support team for assistance at 1-800-222-1134.

Become a Member

Are you interested in purchasing or refinancing?

We offer several refinancing options, including traditional refinance, cash-out refinance, and title loans, to help you meet your financial goals.

Purchase Refinance

We couldn’t verify your AAA membership

It looks like we were unable to find an active membership with the information provided, and our auto loans are an exclusive benefit for AAA members only.

The good news is, becoming a member is quick and easy, and will allow you to proceed with your application. If you believe this is an error, or need help signing up or renewing your membership, you can contact the AAA Member support team for assistance at 1-800-222-1134.

Become a Member

© 2026 AAA Banking   |   All rights reserved

1.Annual Percentage Rate (APR) and Loan Terms. APR is accurate as of 10/6/2025. Advertised rates and terms are subject to change without prior notice. Additional terms and restrictions may apply. Other loan rates available. Subject to borrower qualification. Advertised rate includes a 0.25% discount when you set up automatic payments. Rate is variable. Offer valid on personal vehicle loans only. Criteria to receive the stated APR: Loan term 48 months or less new or used, model years 2020 – 2026 with a credit score of 740 or higher based on the Vantage scoring model. Buyer is responsible for all state or local fees. AAA Banking uses a managed credit program, and final APR is dependent on your credit score. An auto loan with an APR of 4.99% for a $20,000 loan at a term of 48 months, your estimated monthly payment would be $460. An auto loan with an APR of 5.24% for a $20,000 loan at a term of 48 months, your estimated payment would be $463. Private party sales will not be financed. This auto loan offer is available exclusively for eligible members of AAA – The Auto Club Group (ACG).

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.

2.Triple Advantage Savings Annual Percentage Yield (APY) is accurate as of 4/14/2025. The minimum amount to open an account is $100.00. Triple Advantage Savings Account Holders can earn the following Annual Percentage Yield (APY): 3.50% APY with Eligible AAA Membership and 3.15% APY without eligible AAA membership.* Deposit products are offered by Grasshopper Bank, N.A. Member FDIC. Fees may reduce earnings. National average interest rate for a savings account is 0.41% APY – source: www.fdic.gov

Important Tax Information
The value of this reward may constitute taxable income and may be reported to the Internal Revenue Service as miscellaneous income to the first signer on the account, in the year received, as required by applicable law. Offer is limited to clients who are citizens of the United States that furnish or have a valid Form W-9 on file and the account must not be subject to backup withholding. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of such reward. Please consult your tax adviser, as AAA Banking does not provide tax advice.

*Eligible AAA Membership Definition: you must be a “Basic,” “Plus,” or “Premier” member of AAA – The Auto Club Group (ACG). ACG serves households in Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, North Carolina, North Dakota, South Carolina, Tennessee and Wisconsin. Applicants must be 18+ and a U.S. resident. Other AAA memberships are not eligible.

AAA-Member Verification & Product Eligibility

By applying for a AAA Banking deposit account, you acknowledge and agree that if you select a AAA-member product, your AAA membership status with Auto Club Group (ACG) will be validated at the time of account opening and periodically thereafter. If your AAA membership cannot be validated or your membership status changes, your account may be moved to a non-member product with different terms, including but not limited to a lower Annual Percentage Yield (APY) and the removal of other AAA member-only benefits. If this occurs, you will receive a notification regarding the change in the product and applicable terms. If you believe your AAA Membership status was incorrectly validated or that you have been placed in the incorrect product, please contact us to review and correct your status.

AAA Banking services are provided by Grasshopper Bank, N.A. For full terms and conditions about our products and services, please refer to the Master Service Agreement.

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