Auto Loans

Your loan. Your budget.

Find the rate, term, and monthly payment that works for you.

Apply now

Questions? Let’s talk.

Benefits for you

Our Auto Loan benefits

90 Days No Payments

Get behind the wheel of your new ride and enjoy three months of no payments.‍3

Fewer Fees

Save more with no annual fees or prepayment penalties.

Up to 100% Financing

We offer up to 100% financing for eligible borrowers.

Competitive rates

Today’s Auto Loan rates

Competitive rates

Today’s Auto Loan rates

New/Used Auto Loan Rates – Cars, Trucks, SUVs and Motorcycles
Model YearTermAPR‍1 As Low AsMonthly Payment
2022 or newer24 months6.99%$671.52
36 months6.19%$457.62
48 months6.39%$354.96
60 months6.59%$294.12
72 months6.89%$254.94
84 months7.69%$231.48
2021 and older‍224 months6.29%$666.77
36 months6.44%$459.33
48 months6.69%$357.04
60 months6.94%$296.59
72 months7.49%$259.28
84 months8.24%$235.59
Accurate as of 04/26/2025

Calculator

  • Calculate Auto Loan payment Find out how much vehicle you can afford and your monthly Auto Loan payment with our easy-to-use calculator.
simple financing steps

Auto Loan process

1

Get pre-approved for an Auto Loan

Apply online or by phone at 800.845.5025. See our list of required documents to complete application.

2

Receive confirmation

We will process your application and notify you via phone and email of any additional documentation that may be needed, usually within one business day.

3

Shop for a vehicle

Bring your pre-approval letter to the dealership. After purchasing a new or used vehicle, send us a copy of the agreement.

4

Finalize your loan

Once we receive all the required documentation, we will finalize your loan electronically and send your funds to the dealership.

available coverage

Protect your vehicle

Choose comprehensive coverage options, such as Debt Protection, GAP Protection, and our Warranty Program, to safeguard your investment and give yourself peace of mind for the road ahead.

blog

Learn more about car buying

Auto Loan Pre-Qualification and Pre-Approval: What’s The Difference?

Gearing up for a new ride? Learn the difference between being pre-qualified and pre-approved for an Auto Loan.

10 Common Mistakes Car Buyers Make

Buying a new vehicle is exciting, but it’s easy to overpay if the excitement clouds your judgment. Here are ten common mistakes car buyers make and tips to help avoid them.

Why Get Financing BEFORE You Buy a Vehicle

If you want your dealership experience to be as smooth as possible, get your financing first. Here’s why.

FAQs: You asked. We answered.

Auto Loans

How do I receive my title or a lien release for my vehicle?
There are a number of different ways in which you can receive a title or lien release, depending on whether your loan is active or paid off, and whether you live in a state that processes paper or electronic titles. For more details, please review our Title and Lien Release FAQs.
Do I have to be preapproved for my loan before I start car shopping?
No, it’s not a requirement. But being preapproved helps you negotiate the best price for your car because you won’t end up with a high rate when you close the deal. Car dealerships take preapproved customers more seriously because it means you’re ready to do business. Here are more reasons we recommend getting pre-approved before you go to the dealership.
Can I pay off my loan quicker than the payment schedule?
Of course! There’s no prepayment penalty for paying off your loan early. Doing so will actually help you save on interest over the long run.
Can I finance a boat, motorcycle, or recreational vehicle with Connexus?
Absolutely. The rates on this page apply to motorcycles. Loans for boats and other recreational vehicles can be found on our Recreational Loans page.
What is GAP insurance and who pays for it?
GAP insurance is an insurance policy taken out at the time of an auto loan to cover the difference between what your insurance company will pay on the auto loan, if the auto is totaled, and the remaining payoff balance. The cost of the policy can be included in your loan or paid by cash.