M&T Bank Auto Loans

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M&T Bank Auto Loans


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Where does M&T Bank Auto Loans do business?

M&T Bank Auto Loans is a bank based in Buffalo, NY. It was founded in 1856 and offers auto loans in 9 states (and Washington, DC).

How much can you borrow via M&T Bank Auto Loans?

M&T Bank Auto Loans auto loan amounts start at $2,000 and go up to $100,000.

What APR does M&T Bank Auto Loans offer on its auto loans?

M&T Bank Auto Loans offers an auto loan product that ranges from 3.24% APR up to 7.49% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum loan term you can get with M&T Bank Auto Loans?

M&T Bank Auto Loans has auto loans with a maximum term of 84 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does M&T Bank Auto Loans charge an origination fee?

Yes, M&T Bank Auto Loans may charge a loan origination fee.

Does M&T Bank Auto Loans charge a late fee?

Yes, M&T Bank Auto Loans charges borrowers with a late payment penatly fee

Does M&T Bank Auto Loans charge prepayment fees?

No, M&T Bank Auto Loans will not charge you a fee for paying your loan early. Whenever possible choose lenders like M&T Bank Auto Loans that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for a loan with M&T Bank Auto Loans?

Applicants with a credit score of at least 650 can apply for a loan via M&T Bank Auto Loans. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for an auto loan via M&T Bank Auto Loans?

M&T Bank Auto Loans will typically approve (or deny) an auto loan application within 48 hours and fund the loan within 7 business days of approval.


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  Available in 9 states and Washington, D.C.
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Maryland
  • New Jersey
  • New York
  • Pennsylvania
  • Virginia
  • West Virginia

Feature Breakdown

No Prepayment Fee  
Application Fee $0
Minimum Age 18
Credit Score Range 650 - 850
850 300 650
Immigration Status Considered
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Non-Military
Joint Loan Applications Accepted
  • Cosigner
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $2K - $100K
Loan Term (Months) Up to 84
APR 3.24% - 7.49%

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