New Car Loans

Great Rates, Convenience and Flexibility

It's easier than ever to get new auto financing with U.S. Bank. With our new car loans, you get competitive interest rates, convenience and flexibility. Plus, if you automatically deduct your loan payment from a U.S. Bank package account, you can save 0.50% off standard auto loan rates.


Next Steps for a U.S. Bank New Car Loan

Save with U.S. Bank Auto Loans

  • Same great rates on new and used cars up to 6 model years old with less than 100,000 miles. Financing for private party purchases and for vehicles 7 to 9 years old is available at higher rates
  • Finance up to 120% with no down payment required.
  • Earn an additional 0.50% off standard auto loan rates with a U.S. Bank Green Auto Loan.1
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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 3.12% 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 terms and conditions that apply to Consumer U.S. Bank Checking Packages and can be obtained by 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 2.31% Interest rate for 36 months with a $125 origination fee will have a 3.12% APR and a $291.38 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 ©2017 U.S. Bank.