Locations Support Financial Education About us Personal Wealth Management Business Corporate & Commercial Institutional Log in You are here: Vehicle loans / Auto loans AUTO LOANS AND CAR FINANCING OPTIONS Hit the road with the right financing. Compare your auto financing options. Maybe you’re looking for a new or used car, or you want to refinance the one you’re currently driving. Get started on your journey by getting pre-approved. NEW CAR LOAN Drive away with competitive rates and flexible terms on a new car. Rates from 2.34% to 5.49% APR1 No down payment required Apply now Learn more USED CAR LOAN Enjoy more buying power with our competitive used car interest rates. Rates from 2.34% to 5.49% APR1 No down payment required Apply now Learn more AUTO LOAN REFINANCING Refinance your car loan with terms and rates that work for you. Rates from 2.34% to 5.49% APR1 No down payment required Apply now Learn more AUTO LOAN PRE-APPROVAL Know how much you can borrow before you shop. Short application No cost for pre-approval Apply now Learn more Learn about leasing. Whether you’re curious about leasing a car or wondering what happens as your current lease draws to an end, we’re happy to help. Explore vehicle leasing Tools to get you behind the wheel Calculate your monthly car payment. Whether you want a new or used car, estimate your rate and monthly loan payment with our auto loan calculator. Go to the calculator Make a payment. Already have an auto loan with us? Make a payment by logging in and selecting your auto loan account. Log in to your account What to know about auto financing. How does financing a car work? To finance a car you have three options: an auto loan, an auto lease, or a refinance. Figure out which one is right for you. Learn about financing a car What’s the difference between buying and leasing? Buying or leasing any kind of automobile is a big investment. To decide what’s best for you, explore the pros and cons of each. Learn about buying vs leasing What’s needed for auto loan approval? So you’re ready to buy a car, using a loan. Here are some tips on the info you’ll need to gather and the loan process itself. Get tips on loan approval Looking for more car-owning information? Visit our Financial IQ section for additional resources on finding, financing, and caring for your next vehicle. Learn more about car ownership Looking for dealer support? Financing your dealership is right around the corner. Work with our dedicated team and find out what’s next for your indirect lending and leasing needs. Learn about dealer finance READY TO GET STARTED? Find a branch Call 800-872-2657 Make an appointment Start of disclosure content Disclosures Rates as low as 2.34% APR (Annual Percentage Rate) are available for auto loans with a 36-month or less term; for $30,000 or greater; a LTV of 80% or less; a vehicle age of 12 months or less; and an applicant with a credit score of 800 or higher. Rates may be higher for loans to purchase a vehicle from a private party, smaller loan amounts, longer terms, lien free auto equity, vehicles older than 6 model years, a lower credit score and other qualifiers. In order to receive the lowest rate advertised, a setup of automatic payments from a U.S. Bank personal checking or savings account is required but neither are required for loan approval. The Consumer Pricing Information brochure lists fees, terms and conditions that apply to U.S. Bank personal checking and savings accounts. This brochure can be obtained by visiting a U.S. Bank branch or calling 800-872-2657. Loan fees apply. Loan payment and APR will vary based on the loan amount, the term, and any fees. Loan payment example: a $30,000 automobile loan at a 36 month term, monthly payments would be $867.03 and APR of 2.34%. A prepayment penalty of 1% of the original loan amount applies if the account is closed within 1 year, with a $50 minimum and $100 maximum. There may be a title registration fee which is determined by your state of residence. Offer is subject to credit qualifications. Rates are subject to change. Some additional restrictions may apply. Installment loans are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC. Return to content, Footnote 1 Investment and insurance products and services including annuities are: Not a deposit ● Not FDIC insured ● May lose value ● Not bank guaranteed ● Not insured by any federal government agency For U.S. Bank: U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments, Inc. Deposit products are offered by U.S. Bank National Association. Member FDIC. Equal Housing Lender Support Security Financial education Site map Careers Accessibility Online tracking & advertising Privacy CoBrowse U.S. Bank 800 Nicollet Mall Minneapolis MN 55402 ©2021 U.S. Bank end of main