Green Auto Loan Rate Discount

Enjoy a special green loan rate when you buy a new or used EPA-Certified SmartWay® vehicle.

U.S. Bank and the U.S. Environmental Protection Agency (EPA) want to help you save fuel, money and the environment with the SmartWay Certified Vehicles Program.

About U.S. Bank Green Loans

You can get 0.5% off the interest rate on your U.S. Bank Auto Loan1 when you finance the purchase of your new or used EPA Certified SmartWay Vehicle. Use the EPA Green Vehicle Guide to help you identify cleaner, more fuel-efficient vehicles.

Some lenders offer green vehicle programs only on new or nearly new vehicles, hybrids or high gas mileage vehicles. At U.S. Bank, eligible vehicles include all EPA Certified SmartWay autos and light trucks from the current model year through eight previous model years.

Get Your 0.5% Green Car Loan Rate Reduction

  • See the EPA's Green Vehicle Guide to find certified SmartWay vehicles.
  • Apply for an auto loan by calling 800-473-6372, online or in your local branch.
  • Close your green loan in a U.S. Bank branch, and receive your rate reduction when you:
    1. Set up automatic payments from a U.S. Bank Package
    2. Complete the U.S. Bank Green Vehicle Affidavit

Offer not available for refinance transactions. Valid for purchase transactions only. Subject to normal credit approval. Terms and conditions may vary between branch locations.

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.

Rates as low as 4.56% 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. The Consumer Pricing Information brochure lists fees, terms and conditions that apply to U.S. Bank Consumer Checking Packages. 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 3.74% Interest rate for 36 months with a $125 origination fee will have a 4.56% APR and a $297.76 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 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 ©2018 U.S. Bank.

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