Auto Loan Refinancing

Save Money Every Month

LIMITED TIME: Apply to refinance with rates as low as 2.99% APR1

Our great rate just got lower! Now is the time to refinance your vehicle and enjoy flexible terms and more money in your pocket. Our easy and quick application gets you the rate you deserve, and puts you on the road to savings today!

What's more, if you automatically deduct your loan payment from a U.S. Bank package account, you can save 0.50% off standard auto loan rates.1 Want to know how much you could save? Calculate your monthly payment using the Auto Loan Payment Calculator.2


The U.S. Bank Auto Loan Process

  1. Apply online, by phone or at a U.S. Bank branch.
  2. Get a same-day credit decision.
  3. Close your loan at your nearest local branch.

Save More with U.S. Bank

  • Flexible repayment terms and low rates help you lower your payments or pay your loan off sooner, keeping more money in your pocket!
1.

Rates as low as 2.99% APR are available for 3-year auto loans $10,000 and higher at 100% loan-to-value (LTV) or less. Rates may be higher for loans to purchase a vehicle from a private party, smaller loan amounts, longer terms, vehicles older than 6 model years and a lower credit score. In order to receive the lowest rate advertised, a setup of automatic payment from a U.S. Bank Consumer Checking Package is required. Automatic payments are not required for loan approval. See the Consumer Pricing Information brochure for terms and conditions that apply to U.S. Bank Consumer Checking Package. 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. Origination fees vary by state and range from $50 to $125 or up to 1% of the loan amount. Loan payment example: a $10,000 automobile loan at a 2.18% Interest rate for 36 months with a $125 origination fee will have a 2.99% APR and a $290.80 monthly payment. An early closure fee 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 available for applications taken from November 17, 2017 to December 8, 2017 and 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 ©2017 U.S. Bank.

2.

Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. Using this calculator does not constitute an application for credit and we are not qualifying you for any credit product. We encourage you to seek professional advice from qualified U.S. Bank professionals regarding all personal finance issues. U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

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