Auto loans

Drive away with competitive rates and flexible terms on a new or used car, truck or SUV. U.S. Bank offers rates as low as %%1,2 on loans of at least $40,000 for terms less than 60 months. In some cases, you don’t even need a down payment.

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Boat loans

Make waves in a new or used boat with flexible financing from U.S. Bank.

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RV loans

Take road trips to the next level in a new or used RV with a loan from U.S. Bank.

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Vehicle loans that work for you

Keep your eye on the prize with competitive interest rates and flexible financing for new or used vehicle purchases with U.S. Bank.

Same-day pre-approvals

Shop with confidence from the start of your journey with a quick, same-day pre-approval.

Mobile and online access

Conveniently access digital banking tools to view and manage your vehicle loans on any device.

Care for the life of your car or truck.

As a U.S. Bank customer, you can store and access all your vehicle records with U.S. Bank Vehicle Manager. It’s a great way to stay up to date on maintenance, track the value of your vehicle and more.

More about U.S. Bank Vehicle Manager

Resources to fuel your adventures

Our financial education section has additional resources on finding, financing and caring for your next vehicle. Check out the articles below or visit Financial IQ for more.

Common questions about EVs

Electric vehicles have officially gone mainstream. From different types of EVs to the costs of EV charging, we’ve got answers to your biggest questions (and helpful buying tips, too).

Learn about EVs

New or just new to you?

Deciding to buy a vehicle is just the beginning of a string of choices you’re about to make. You’ll also need to determine if a new or used model will be better for your situation. Take a look at a few of the considerations to keep in mind.

Decide if new or used is right for you

Should you buy or lease?

Buying or leasing any kind of vehicle is a big investment, and both choices come with pros and cons. Before you start your shopping, take a look at the high and low points of buying or leasing to decide which approach is best for you.

Learn about buying vs. leasing

Frequently asked questions

Your bank or credit union can help you get a secured loan for a new or used car. A secured loan means that the car (or truck, van or SUV) serves as collateral for the loan. Whether you’re buying a new or used model will determine what information you’ll need for the loan.

U.S. Bank offers loans for autos up to $100,000, with terms of up to 72 months. To apply you’ll need personal identification and income information, along with details about the vehicle you want to buy. For something new, have the MSRP Window Sticker handy so you can provide the MSRP value, color, make, model and VIN number. For a used auto, you’ll want to know its Kelley Blue Book or NADA value. Lastly, you’ll need your insurance information prior to loan closing.

When dealerships participate in the U.S. Bank vehicle financing program, they can accept your pre-approval letter to streamline your financing. We’ve connected with dealerships across the U.S., and we’re working hard to add more great dealerships all the time to give you even more choices. Visit our dealer locator for autos, boats or RVs to find a participating dealership near you. 

We’ll ask for your name, contact information, Social Security number, address information for the past two years, employment and income information.  

A U.S. Bank auto financing pre-approval is good for 30 days. Pre-approvals for boats and RVs are good for 60 days. If you don’t find what you’re looking for within that time frame, you can always apply again – but be advised that your credit will be checked with each new application. 

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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. The lowest APR in the range is available on loans with a term of 60 months or less, a credit score of 800 or higher, a vehicle less than 1 year old, a loan amount of $40,000 or more, and a loan-to-value (LTV) percentage of 111% to 115.99%. Payment example: for an amount financed of $40,000 over a 60-month term, monthly payments would be $813.16 at an annual percentage rate (APR) of 8.11%.

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

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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.