800.AAA.HELP or
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800.222.6424 800.222.6424 800.222.6424 855.999.2265

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AAA Banking Loans

Frequently Asked Questions

Below is a listing of Frequently Asked Questions. Remember, you can call us at 844.541.2886 with any questions you may have.

Am I required to take the entire amount offered in my auto loan pre-approval?
No. We’re flexible. The Up-to-Amount is the maximum amount you qualify for. Use only what you need based on your financing requirements. This allows for you to know every aspect of your financing up front when shopping for a car or prior to visiting the dealer.
Can I use my offer to refinance or purchase a car from a private party?
Currently, we only support vehicles purchased from a dealership on However, AAA does offer refinancing and other loans. Contact us at 844.541.2886 and we’d be happy to help.
How do I access my Auto Loan Application once I have started it?
Once you’ve started your auto loan application, you may exit and return to where you left off. Visit and sign in using the link on the top right side of the page. After signing in, look for the My Offers section on the lower right side of the page to locate a link to view your loan offer or continue your application.
How much time do I have before my application expires?
After you begin your application, you will have 30 days to find your vehicle and complete the auto loan process.
How long is my pre-approval offer valid?
Your offer has a defined expiration date. Sign in to your account at to view your offer details.
How long will it take to receive a credit decision?
Our auto loan process only takes minutes once you provide the vehicle information you would like to purchase.
Who is Auto Club Trust, Federal Savings Bank (FSB)
Auto Club Trust, FSB is a federally chartered and a FDIC insured bank, wholly owned by The Auto Club Group. It provides banking services to over 9 million members of AAA located in North Dakota, Minnesota, Wisconsin, Michigan, Nebraska, Iowa, Tennessee, Illinois, Georgia, Florida and Indiana.
What type of vehicle loans does Auto Club Trust, FSB provide?
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 must be reviewed manually before approval. This auto loan does not cover motorcycles, RVs, mobile homes, commercial vehicles and boats, vehicles purchased from a non-dealer or the refinancing of existing vehicles you may already own.
How do I get an auto loan through AAA?
You can apply online at or call us at 844.541.2886.
What is an auto loan “Pre-Approval” offer?
A pre-approval is a firm offer of credit made by the Auto Club Trust, FSB. Offer is subject to the applicant maintaining certain credit criteria upon acceptance.
What repayment terms does Auto Club Trust, FSB offer with an auto loan?
You may select 48 months, 60 months, or 72 months for this auto loan offer. There is no penalty for paying off a loan earlier than the maturity date.
How does the dealer get paid?
Once you eSign your loan documents, we will give you a unique funding code to give to your dealer. You can provide your dealer’s email address or have your dealer call us directly at 844.541.2886 to receive instructions to access the AAA Dealer Portal. Once information is verified, the dealer will receive their funds in 24 to 48 hours.
Where do I find the Vehicle Identification Number (VIN)?
The VIN can be found by looking at the dashboard on the driver’s side of the vehicle. You can also locate the VIN on the door panel, window sticker, or the purchase agreement provided by your dealer.
What is the AAA Auto Buying Service?
AAA provides an auto buying program with exclusive member savings. You can shop and research vehicles by visiting and selecting the AAA Auto Buying program.
What if after I accept my offer, I decide to finance through the dealer or another bank?
You may withdraw your loan application at any time.
I had an offer that expired, now I want to buy a car. What do I do?
Please call 844.541.2286. We’d be happy to review your offer with you.
Are there any pre-payment penalties?
There are no pre-payment penalties.
Can I pay my loan off early?
Yes. There are no penalties.
Is my personal information secure?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. When interacting with, advance security processes are in place to ensure a secure transaction between AAA and you.
What other products does AAA offer?
Through its family of companies, AAA provides roadside assistance, auto insurance and other products and services. Visit a local branch near you, or call 844.541.2886 for more information.
Do I need to be a member of AAA to get an auto loan?
No. You can call 844.541.2886 to submit an application over the phone.
What states currently offer AAA Banking?
Auto Club Trust, FSB covers the following U.S. states: North Dakota, Minnesota, Wisconsin, Michigan, Nebraska, Iowa, Tennessee, Illinois, Georgia, Florida and Indiana.
Do you offer loans in U.S. territories, Canada or other countries?
Not at this time.
What is your minimum loan amount?
Our minimum loan amount is $5,000.
Is there a maximum vehicle age?
No. We offer car loans on most makes and models of new or used cars. Used cars over 10 years old from the current model year must be reviewed manually before approval. Call 844.541.2886 with any questions regarding a vehicle’s age.
What do you consider a new and used vehicle?
A new vehicle is defined as never having been titled where a used vehicle would have a previous title recorded.
Do you provide commercial vehicle loans?
No. Auto Club Trust, FSB does not currently offer loans for commercial vehicles.
Are there different rates for new and used vehicles?
Yes, Auto Club Trust, FSB may differentiate rates based on new or used status.
Can I add another person to my auto loan?
Yes, you can add another person as a co-borrower.