Features

Where does US Bank do business?

US Bank is based in Minneapolis, MN. It was founded in 1891 and offers auto loan refinancing in state across the USA.

What are US Bank’s auto loan refinancing rates?

US Bank offers refinance loans with APRs starting at 3.12% .

What is the maximum loan term for a US Bank refinance loan?

US Bank offers auto refinancing loans with terms of up to 72 months.

Does US Bank charge an origination fee?

Yes, US Bank charges a loan origination fee .

Does US Bank charge a late fee?

Yes, US Bank charges borrowers with a late payment penatly fee.

Does US Bank charge prepayment penalties?

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

What is US Bank’s eligibility criteria?

US Bank requires borrowers to have a credit score of at least 650 to apply for auto loan refinancing.

To qualify, applicants must provide the following documentation:

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

What is the estimated funding time for an auto loan refinance with US Bank?

US Bank will typically approve (or deny) a loan application within 24 hours and fund auto refinance loans within 1 and 7 days of approval

 

  • Payment Options
    • Automatic Payments
    • Check by mail
  • Max Loan Term (Months)
    72
  • Credit Score Range
    650 - 850
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Only Individual Applications
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
    18
  • Verification Documents Required?
    • Driver license (or other photo ID)
    • Proof of citizenship/residence
  • APR
    Starting at 3.12%
  • Approval Speed (Hours)
    24
  • Funding Time Range (in days)
    1 - 7
"Rates as low as 3.12% APR are available for 3-year auto loans $10,000 and higher at 100% loan-to-value (LTV) or less. Rates may be higher for loans to purchase a vehicle from a private party, smaller loan amounts, longer terms, vehicles older than 6 model years and a lower credit score. In order to receive the lowest rate advertised, a setup of automatic payment from a U.S. Bank Consumer Checking Package is required."
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