Getting a car loan doesn't have to be a major journey. We create a speedy course for you to take, so that you can get on the open road. Take advantage of competitive rates and flexible terms. The roadmap for a car loan doesn't get easier.
Have you recently moved to the U.S. to pursue your career? If so, financing a car without established credit history can be challanging. We're here to help you get behind the wheel.
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Go green with an Electric Vehicle loan discount and save 0.25% off our standard auto rates when you finance a qualified electric vehicle. Save 0.25% more when you make automatic payments from a Bank of the West checking or savings account. There may even be additional benefits for our Premier and Wealth Management customers.1
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Car Financing from $7,500 and Up
Have on Hand
- Asset information
- 2 years of verifiable income history
- Debt info
- Social Security or Taxpayer ID Number
Here's What's What
- Up to a maximum of 150% of the loan-to-value ratio
- Range of terms between 2 to 7 years*
- Fixed monthly rates
- No prepayment penalty
- Get a 0.25% rate discount when you set up an automatic payment from a Bank of the West deposit account at the time of loan closing
- Standard Auto Loan Program and Guidelines apply for our Electric Vehicle Auto Loan
* Example of a car loan with a FICO Score of 720: A 5 year fixed rate $15,050 loan (includes a $50 processing fee) with a 5.790% APR would have 60 monthly payments of $288.53.
Important Disclosures
Car Loans FAQs
The more you know, the better you can manage your car loan.
Yes, you may pay bills from any of your eligible checking accounts by selecting the appropriate account in the "Pay From" drop-down menu at the top of the Bill Pay page. If you do not choose an account from the dropdown, any payments you schedule will be made from the default account that is set as your "Preferred Account." You may set a different "Preferred" (or default) account at any time by selecting any other eligible checking account in the dropdown and then clicking on the "Make Preferred Account" checkbox.
What might prevent me from getting a loan?
Loans are subject to credit and application approval. Credit scores of 600 or higher are preferred.
I got denied. Now what?
Poor credit scores are the most common reason that people do not qualify. Please read this article, Good Credit Planning, to improve your score and reapply when it improves.
What information will I need to apply?
Please have your personal information, annual income and any applicable collateral information available to apply.
What are your restrictions on vehicle collateral?
We do not finance:
- Cars imported through sources other than factory authorized distributors
- Vehicles for hire (limos, cabs, ambulances, etc.)
- Trucks weighing over one ton
- Special body trucks (flatbeds, racks, etc.)
- Salvaged vehicles
- Lemon Law Returns
- Vehicles that are not in working order
- Hail Damaged
- Commercial Vehicles
- Exotic / Limited Production Vehicles (Excludes Tesla)
- Van Conversions (See our RV Product offering for Class B motorhomes)
Can I finance my taxes, titling and licensing fees?
Yes, tax, titling and licensing fees may be financed subject to loan-to-value restrictions.
Do you offer lease buyouts?
Yes, we do offer lease buyouts. Please speak with a phone or branch representative for guidelines specific to your lease.
How do I apply?
You can apply through our online application, phone banking team (1-866-269-2327) or at your local branch.