FYI, AAA is currently offering 3.49% auto loans on new or used 2009 and 2010 models, you can even refinance your existing loan.
The actual loan is underwritten by a credit union and will vary by location, but AAA acts as the broker and collects and processes all the paperwork.
Low Auto Loan Rates
for AAA Members
If you're not a member I think it costs you $52 for the year plus a $17 sign up fee.