Last Updated: 04/18/2025
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US Bank Auto Refinance Review
Key Takeaways
- Fair credit accepted. The credit score needed for US Bank Auto Refinance is relatively low. Borrowers with a credit score as low as 650 may qualify for US Bank Auto Refinance.
- Refinancing for large loan amounts. You can refinance auto loans of up to $100,000 with US Bank Auto Refinance.
- Fast process. In some cases you can refinance your auto loan within 1 business day.
- Hard credit pull required. You can't check your rates or see if you prequalify for US Bank Auto Refinance without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the auto refinance loan early.
- Long loan terms. US Bank Auto Refinance offers loan terms of up to 72 months. Most auto refinancing loans have a maximum term of 60 months.
US Bank auto refinance Pros & Cons
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US Bank auto refinance FAQ
How much can you borrow via US Bank auto refinance?
What are the auto loan refinancing rates offered through US Bank auto refinance?
What is the maximum loan term you can get with US Bank auto refinance?
Does US Bank auto refinance charge an origination fee on auto refinance loans?
Does US Bank auto refinance charge a late fee?
Does US Bank auto refinance charge prepayment fees?
What do you need to qualify for US Bank Auto Refinance?
Applicants with a credit score of at least 650 and up to 850 may be eligible for US Bank Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.- Proof of income
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan refinance with US Bank auto refinance?
Does U.S. Bank perform a hard credit pull?
Is U.S. Bank a legit company?
US Bank Auto Refinance Disclosure: "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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