Compare your auto financing options.

Whether you’re buying a new or used car or refinancing your current loan, U.S. Bank has options for your financing journey.
 

AUTO LOAN REFINANCE

Refinancing your auto loan could help you save.

Shopping for better rates and terms? A U.S. Bank auto refinance could help. Not available in all states.3,4

As low as %% APR5,6
up to 60 months

Apply now Learn more

LEASE BUYOUT

Purchase your leased vehicle with a loan.

Get a car you already love with a lease buyout loan .7

Apply now Learn more

AUTO FINANCING PRE-APPROVAL

Apply for a pre-approval to use at participating dealers.

Know what you can spend so you can shop with confidence for a new or used car.

As low as %% APR1,2
up to 60 months

Apply now Learn more

CAR SHOPPING

Shop and finance your next vehicle all in one place.

View new and used cars, trucks, SUVs and more online from our participating dealerships. When you find one you want, apply online and if you're approved, the dealer will have your pre-approval ready when you arrive.

As low as %% APR5,6
up to 60 months

Learn more Shop now

Tools to get you behind the wheel

Estimate your car payment.

Use our auto financing calculator to estimate your rate and monthly payment for a new or used car.

Calculate your payment

Search participating dealerships.

When you’re ready to buy, your U.S. Bank auto financing pre-approval is good at any of our participating dealerships.

Find a dealership

Looking to buy a car from a private seller?

If you prefer to purchase from a private seller rather than a dealership, we may be able to help. A personal loan from U.S. Bank can give you quick access to funds for your car-buying needs.

Learn about personal loans for vehicle purchase

Get the basics on auto loans and financing.

How does car financing work?

Understand your four options for financing a car: purchase loan, auto lease, auto refinance and lease buyout.

Learn about financing a car

Should you buy a new or used car?

Find tools and tips to help you compare the pros and cons of a new vs. used car purchase.

Whether to buy new or used

The good news about EV costs

Learn about the surprising ways driving an electric vehicle can save you money over the long haul.

Discover hidden EV savings

Looking for more car-buying info?

Visit our Financial IQ section for additional guidance on finding, financing and caring for your next vehicle.

Learn more about car ownership

TAKE THE NEXT STEP

Find a branch
Call 800-342-4310
Make an appointment
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Disclosures

  1. Monthly payment and annual percentage rate (APR) will vary based on the term, amount financed, model year, loan-to-value (LTV) percentage, credit history and applicable fees. Payment example: for an amount financed of $40,000 over a 60-month term, monthly payments would be $813.16 at an APR of 8.11%.

  2. Fees charged in OH, IN and WV may increase the APR displayed above.

  3. Refinancing is available in the following states: Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin, Wyoming.

  4. To be eligible for refinance, the existing loan must have been obtained at least 120 days prior to submitting your refinance application.

  5. Monthly payment and annual percentage rate (APR) will vary based on the term, amount financed, model year, loan-to-value (LTV) percentage, credit history and applicable fees. Payment example: for an amount financed of $30,000 on a 1 year old vehicle over a 60-month term with a $100 origination fee, monthly payments would be $616.22 at an annual percentage rate (APR) of 8.55%.

  6. There may be title and/or registration fees which are determined by state.

  7. U.S. Bank lease buyouts are available nationwide (excluding New Hampshire). Leases held by other financial institutions are available in the following states: Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin, Wyoming.

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U.S. Bank assists its customers by working with dealers across the nation. Financing pre-approval is only valid at a dealer with which U.S. Bank works. U.S. Bank is not affiliated with these dealers and makes no representations or warranties regarding the dealers, their inventory, related products or services. All vehicle and related product information included on this site is provided by the dealer, who is solely responsible for the content, representations about itself and the vehicle, including pricing, services and promotional statements. U.S. Bank does not endorse third-party products, services or other vehicle content. Any questions about the vehicle, pricing or related products should be directed to the dealer. The dealer will work with you to finalize financing terms.

The dealer may request your permission to obtain information from one or more credit reporting agencies. The dealer will ask for your photo identification (driver’s license) and/or other identifying documents. U.S. Bank reserves the right to withdraw an approval if your identity cannot be verified or if there have been changes in your credit status as of the date of sale.

Offers are subject to credit approval. Rates are subject to change. Additional restrictions may apply. Member FDIC.