Get the Best Car Loan Through AAA

You need a car, but to buy it you need to obtain financing. So, why not look to AAA for your next car loan? No matter what your credit history, or whether your dream vehicle is a car or truck, AAA can help you obtain a car loan, as well as guide you through the entire car-buying process. Call your local AAA office today for more assistance regarding obtaining a car loan and other services available from AAA. If you are not sure how to contact your local AAA club, click on the box on this page and enter your zip code, then follow the prompts.

AAA offers members exclusive low car loan rates for both new and used automobiles, and competitive rates when acquiring new or refinancing existing car loans. Having partnered with several banks to secure the lowest loan rates available, AAA can also offer these member benefits:

• simple interest loans
• 30-day pre-approval rate lock
• no pre-payment penalties
• extended terms up to 72 months

AAA Benefits at Home

As a member of AAA, you can obtain your car loan before you ever enter the showroom or work with the AAA Car Buying Service. As an added bonus, for your convenience, applications can be taken by phone or online and approval is given within hours. Great rates, great terms, great service -- what more can you ask for? Click here and discover other ways AAA can make life easier for you and for information regarding the many services and insurance plans available from your local AAA club.

By shopping for a vehicle with a pre-arranged car loan, you increase your negotiating power. When you educate yourself before buying a car, mapping out a game plan, you gain the upper hand when negotiating your car loan. The Internet has reinvented how people finance cars, changing the balance to favor the informed consumer. If you follow these tips before securing your car loan, you will find yourself saving money:

• Check your credit rating. Credit scores matter when determining the car loan interest rate you will receive.
• Explore financing options and compare rates. Dealer rates are often marked up to pay for the convenience of getting a car loan through them.
Arrive with financing in hand. Having an approved, no-obligation car loan in your pocket gives you a competitive edge, since it allows you to know in advance your interest rate and monthly payment. This information gives you the flexibility and power normally only given to a person buying with cash.
• Weigh your purchase incentive options to determine whether a cash rebate or discounted financing rate will work in your favor.
• Match the term of the car loan to how long you expect to keep the car to make sure you won’t wind up owing more than the car is worth.
• Take your time in reviewing the contract to make sure that you not only know your car loan interest rate but also your monthly payment, the amount your are financing, the length of your loan and review to ensure no unwanted after-market “extras” have been added.

In addition, rates for car loans through AAA may be lower, when you apply online. When you apply for your car loan, allow for all the fees attached to purchasing your vehicle. These include taxes, title, license, registration, credit insurance or extended warranty/service contracts or other associated fees. For additional assistance, check the AAA car loan calculator or contact AAA. To find the AAA office nearest to you, enter your zip code in the box on this page and follow the prompts. AAA is always ready to help you with your home, automotive, financial and travel needs. It’s a benefit of membership!