Get some new wheels with a car loan
Car financing from $7,500 to $150,000.
- Flexible financing terms
- Fixed monthly payments
- No prepayment penalty
Monday through Friday, 7am – 5pm PT
Gather this information to get ready
- Asset information
- Two years of verifiable income history
- Debt information
- Social Security or Taxpayer ID Number
Plan smarter with our car loan calculators
Which is better: a new or used vehicle?
How much should depreciation cost me?
Should I lease or purchase a vehicle?
Should I finance or pay cash for a vehicle?
How much will my vehicle payments be?
What term of vehicle loan should I choose?
Which is better: a rebate or special dealer financing?
How long should I keep a vehicle?
Who can apply for an auto 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
What types of vehicles can I purchase or refinance?
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
Will I need to make a down payment?
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.
What is the expected processing time from application submission to funding?
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.
How long does it take to receive a decision on my application?
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.
How do I check the status of my auto loan application?
You may call our Customer Sales Support line at: 866-269-2327 (TTY: 800-659-5495).
Can I get a pre-approval for an auto loan?
No. You must submit an application with known make, model, and year of vehicle.
Can I have a co-signer?
Yes, a qualified co-signer is permitted.
Can I finance a vehicle for someone else?
Can I refinance my vehicle if I owe more than the vehicle’s current value?
In some cases, depending on credit worthiness, loan-to-value guidelines, and other factors which can be discussed once your application is received.
Can my taxes, title, registration fees, and/or loan fee be financed within the loan?
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.
Do you offer lease buyouts?
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.
Is there a prepayment penalty for paying off my loan early?
Can I mail my current Bank of the West Auto Loan payment?
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
PO BOX 4024 Alameda, CA 94501-0424
Bank of the West
13505 California Street Omaha, NE 68154
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Choose your state of legal residence. We can then give you information about the products and services available in your area.
Note: Bank of the West has branches only in the states listed in the drop-down. At this time, we only open accounts for individuals and businesses in these states.