Low Auto Loan Rates Available to AAA Members Everyday.

Auto Loans

Rates as low as 2.69% APR

Fast, Financing Options to help you save.

As a member of AAA's corporate family, we know a little about cars (all right, we know a lot) and over the years, we've learned how to help our members save, too. Our auto loan program, arranged through major financial institutions, gives you the benefit of low rates at competitive terms to fit your budget.

Once your auto loan application is submitted, you'll receive a fast credit decision and an opportunity for same day funding if needed. What's more, if the rate changes between the time you apply for your loan and the time you pick up the check, you get the lower rate.

Zero to 60 had never been faster...or more affordable!*

Auto Loan Rates

Years

36 Month APR*

48 Month APR*

60 Month APR*

72 Month APR*

2014-2017

2.49%

2.69%

2.89%

3.06%

2013

2.49%

2.69%

2.89%

3.06%

2012

2.49%

2.69%

2.89%

3.06%

2011

2.49%

2.69%

2.89%

N/A

2010

2.49%

2.69%

2.89%

N/A

2009

2.49%

4.99%

5.29%

N/A

2008

2.49%

4.99%

5.29%

N/A

2007

2.49%

4.99%

5.29%

N/A

2006

2.49%

4.99%

5.29%

N/A

2005

4.99%

4.99%

5.29%

N/A

*Loans offered through AAA Pioneer Valley.  No down payment required of qualified applicants.  Financing arranged through a major financial institution whose rates and terms are subject to change without notice. Some restrictions and fees may apply. All loans subject to credit approval. Rates listed are for AAA Members only and may not be available in all areas.  AAA Membership can be purchased in advance online or at time of loan closing.  Example: Borrowing at 2.69 % APR for new and used 2010 - 2017 models for 48 months results in payments of $21.99 per $1,000 borrowed. 

Auto Gap Protection

Gap is available with your auto loan for a low price of $349.**

What is GAP?
If a vehicle is totaled or stolen, the borrower's primary insurance company settlement can be significantly less than the outstanding loan or lease balance. This may create a deficiency balance or a "gap" resulting in a serious financial hardship for you, the borrower. The "gap" may even jeopardize repayment of the loan. GAP is designed to relieve you of the responsibility for the remainder of the loan or lease balance that your primary insurance carrier does not cover. For more information, call 413–785-1381 ex 215 to speak with a AAA Insurance Agent.

** Some limitations may apply.

 

AAA Auto Loan Products

  • Refinancing

    Auto Refinancing

    Refinancing your current loan with a lower rate loan from AAA is simple, easy and fast. 
  • AAA Auto Buying

    AAA Auto Buying

    See how much you can save purchasing a vehicle from a Certified Dealer Network.
  • Vehicle Extended Service Plan

    Vehicle Extended Service Plan

    AAA Vehicle Extended Service Plans are competitively priced.