Get some new wheels with a car loan

To apply for an auto loan whether online, over the phone, or in person at one of our branches, you must be 18 years of age or otherwise have the ability to legally contract for automotive financing and reside in the Bank's branch network.

To determine if the state you reside is within the Bank's branch network, you may search your location using this link: Branch and ATM Location Search | Bank of the West

For expatriates located in the United States, refer to the International Banking Group

We offer personal use auto loans (purchase or refinance) for vehicles 9 model years or newer. Eligible collateral can be purchased from either a dealer, broker, or private party.

New models (with less than 6,000 miles) and used models listed in an approved valuation guide meeting program collateral age and loan term requirements. The maximum mileage allowed is based on loan term.

Collateral NOT eligible for financing:

• Vehicles older than 9 calendar years
• Cars imported through sources other than factory authorized distributors.
• Vehicles intended for Commercial use
• Vehicles for hire (limos, cabs, ambulances, etc.)
• Vehicles weighing 3.5 tons or more
• Lemon Law returns
• Vehicles that are not in working order, salvaged vehicles, or hail damaged vehicles
• Bus/van conversions, special body trucks (flatbeds, racks, etc.), exotic/limited production vehicles

No down payment is required for loan amounts less than $100,000.

10% of cash selling price for loan amounts $100,000 or greater.

Total down payment percentage listed is based on the cash selling price of a unit before tax, title, license and loan fee.

After applying, you will be contacted in 1-3 business days. In some cases, we may require additional information from you before a final decision can be made.

If approved, and once all requested documentation is received, the bank fulfillment specialist will contact you to discuss details and timing for funding your loan.

Once your application is submitted you will be contacted within 3 business days. In some cases, additional information may be required before a final decision can be made.

You may call our Customer Sales Support line at: 866-269-2327 (TTY: 800-659-5495).

No. You must submit an application with known make, model, and year of vehicle.

Yes, a qualified co-signer is permitted.

No.

In some cases, depending on credit worthiness, loan-to-value guidelines, and other factors which can be discussed once your application is received.

State specific fees (e.g. taxes, title, and registration) and/or loan fee may be included in your loan amount subject to the loan amount meeting our loan-to-value guidelines. You may also choose to pay for them out of pocket; in which case, payment must be received prior to funding your loan.

Yes, we offer lease buyouts for your existing lease with a financial institution. Please speak with a representative by phone or at your local branch for guidelines specific to your lease.

No.

Yes. The location depends if you send it standard U.S. Postal Service or overnight courier (e.g. FedEx, UPS):

U.S. Postal Service:
Bank of the West
Attn: Payments
PO BOX 4024 Alameda, CA 94501-0424

Overnight Courier:
Bank of the West
Attn: Payments
13505 California Street Omaha, NE 68154