Old Second Auto Loans
Old Second Auto Loans
in Auto Loans from Old Second National Bank

Old Second Auto Loans

in Auto Loans from Old Second National Bank
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Loan Amount $2,500 - $60,000
APR  (Variable APR) Starting at 6.240%
(Verified 08/04/2023)
Loan Term (Months) Up to 84 months
Credit Score Range N/A

Old Second Auto Loans Review

Old Second Auto Loans is offered by old second bank, a bank founded in 1871 and based in Aurora, IL. old second loans are available in 50 states (and Washington, DC).

old second loans FAQ

How much can you borrow via old second loans?

old second loans loan amounts start at $2,500 and go up to $60,000.

What APR does old second loans offer on its car loans?

old second loans offers a variable APR car loan product that ranges from 6.240% 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 auto loan term you can get with old second loans?

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

Does old second loans charge an origination fee?

Yes, old second loans may charge a loan origination fee.

Does old second loans charge a late fee?

Yes, old second loans charges borrowers with a late payment penatly fee

Does old second loans charge prepayment fees?

Yes, old second loans does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my old second loans loan?

Yes, you can. However, old second loans charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.

What do you need to qualify for Old Second Auto Loans?

Old Second Auto Loans does not require or does not disclose a credit score minimum.

Old Second Auto Loans does not have or does not disclose a minimum annual income eligibility requirement. Old Second Auto Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Old Second Auto Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Old Second Auto Loans.

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

  • Proof of income
  • Driver's license
  • Proof of identity
  • Proof of citizenship or residence permit

Does Old Second Auto Loans report your account activity to credit bureaus?

Yes, Old Second Auto Loans reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

Is Old Second National Bank a legit company?

Old Second National Bank was founded in 1871, it is a well-established company that has been in business for 152 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Vehicle Type Auto
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Income
  • Proof of Identity
  • Social Security Number
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Over the Phone
  • Automatic Payments
  • Check by mail
  • Credit/Debit Card
  • Bank Transfer
APR Type Variable APR
Loan Amount $2,500 - $60,000
APR (Variable APR) Starting at 6.240%
(Verified 08/04/2023)
Loan Term Up to 84 months

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