Take the next step.

Shop for cars or apply for pre-approval so you know what you can spend at a participating dealership.

You could qualify for an interest-rate discount up to 0.20%.

Have a U.S. Bank Smartly® Checking account? If you enroll in U.S. Bank Smart Rewards® before you apply for an auto loan, you may qualify for a rate discount up to 0.20%.4 You must be eligible before applying. Eligibility may take up to five days after enrollment.


Not yet enrolled? Do it today.

Find the right auto financing for you.

Finance new or used vehicles

You can shop with confidence when you start with an auto financing pre-approval.

Auto refinancing

You could lower your monthly payment or pay off your loan sooner while keeping the vehicle you love.

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  1. This calculator is being provided for reference purposes only. The results are estimates and may not reflect final U.S. Bank financing terms. The information does not constitute an application for credit and cannot be used by U.S. Bank to determine a customer’s eligibility for a specific product or service.

  2. 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.

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

  4. Apply online or through a U.S. Bank branch for pre-approval of a loan to purchase a car or truck at one of our participating dealerships. The interest rate discount is not reflected in the rates provided on our website but will be reflected in the interest rate quoted if approved. To receive the interest rate discount, you must open a U.S. Bank Smartly Checking account, enroll in U.S. Bank Smart Rewards and be assigned a qualifying tier before applying for an auto loan. Tier assignment generally takes five business days after enrollment. Interest rate discounts are based on your Smart Rewards tier. A minimum of $25 is required to open a U.S. Bank Smartly Checking account. For a list of interest rate discounts and terms, see the Consumer Pricing Information disclosure.

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