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Used Car Loans & Financing Options

U.S. Bank Used Car Loans

Get a Used Car Loan with a New Car Rate

In the market for a used car? U.S. Bank can help. Unlike most banks, we offer the same great low rates on both new and used cars. 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 Used Car Loan

Flexibility with U.S. Bank Used Car Loans

  • Same competitive rates on new and used cars up to 6 years old with less than 100,000 miles.
  • Finance up to 115% with no down payment required.
  • Used Car Loans up to $100,000.
  • Earn an additional 0.50% off standard auto loan rates with a U.S. Bank Green Auto Loan.3

  1. A higher rate may apply for not having automatic payments from a U.S. Bank Package Checking Account. See the Consumer Pricing Information brochure for terms and conditions that apply to U.S. Bank Package Checking accounts. Rates as low as 2.49% 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, a lower credit score, and/or not having a U.S. Bank personal Package Checking account. 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 1.68% Interest rate for 36 months with a $125 origination fee will have a 2.49% APR and a $288.59 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 ©2015 U.S. Bank.

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  2. Information and interactive calculators are made available to you as self-help tools for your independent use. We can not 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 personalized advice from qualified U.S. Bank professionals regarding all personal finance issues. For specific tax advice, see a professional tax service provider.

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

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 Equal Housing Lender

Get Started

Online

By Phone

800-473-6372

In Person

Loan Payment Calculator2

Rates as low as  

2.49%
  APR1

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