Take the fastest route to buying a car.

We’re here to be your GPS, helping you navigate the process to finance your next vehicle.

Calculate your car payment

Plan

You’ll likely drive your vehicle nearly every day, so ensuring it fits your lifestyle is important. List the features and qualities you want and decide your price range with an auto payment calculator.

Calculate your auto payment
Shop for a vehicle online

Shop

Shop for cars online in our U.S. Bank vehicle marketplace for inventory at participating dealerships. Find the vehicle that matches your desired features, qualities and price range. 

Start your vehicle search
Apply for auto financing online

Finance

When you find the right vehicle in the marketplace, apply with our complete digital application experience. You’ll get a decision within minutes in most cases along with an approval letter to bring with you to the 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%.3 You must be eligible before applying. Eligibility may take up to five days after enrollment.

Not yet enrolled? Do it today.

Learn more about Smart Rewards

Applying for auto financing

Our extensive group of participating dealers make it simple to find the car you want and apply for financing with a bank you trust. We’re connecting with dealerships across the 48 contiguous states so you have more choices. 

When you’ve narrowed your selection to a few

Apply for pre-approval on auto financing that’s good for vehicles at any participating dealership. You’ll know how much you can spend before you go and speed up the financing process after you’ve decided.

Learn about pre-approval

When you’ve found the perfect vehicle

Apply for auto financing for an exact vehicle within the marketplace to make your application easier. We’ll automatically fill in the vehicle and dealership information so you don’t have to.

Shop now

Have questions about your next car purchase? We can help.

We’ll ask for your name, contact information, Social Security number, address information for the past two years, employment and income information. Specific to the vehicle, we’ll also ask if you’re trading in another vehicle as part of the purchase and if that vehicle has an outstanding loan for it.

When dealerships participate in the U.S. Bank auto financing program, they can accept your pre-approval letter to streamline your financing. We’ve connected with dealerships across the 48 contiguous states, and we’re working hard to add more great dealerships all the time to give you even more choices. View our dealer locator to find a participating dealership near you.

Your U.S. Bank auto financing pre-approval is good for 30 days. If you don’t find a vehicle in that time frame, you can always apply again.

Get started

Start car shopping
Locate a dealership
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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.

  3. 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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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.