US Bank Auto Refinance

US Bank Auto Refinance

in Auto Loan Refinancing from US Bank


US Bank Auto Refinance


in Auto Loan Refinancing from US Bank

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APR  (Fixed APR) Starting at 4.59%
Credit Score Range 650 - 850
Loan Term Up to 72 months
Loan Amount N/A

US Bank Auto Refinance Review

US Bank Auto Refinance is an auto loan refinance offering by US Bank, based in Cincinnati, OH. Founded in 1863, US Bank offers auto refinance loans in 16 states across the USA.

What are the auto loan refinancing rates offered through US Bank Auto Refinance?

US Bank Auto Refinance offers a fixed APR auto loan refinancing product that ranges from 4.59% APR.

What is the maximum loan term you can get with US Bank Auto Refinance?

US Bank Auto Refinance offers auto refinancing with a maximum term of 72 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 refinancing loan, the more interest you will pay.

Does US Bank Auto Refinance charge an origination fee on auto refinance loans?

Yes, US Bank Auto Refinance charges a loan origination fee.

Does US Bank Auto Refinance charge a late fee?

Yes, auto refinance loans via US Bank Auto Refinance are subject to late payment penalty fees.

Does US Bank Auto Refinance charge prepayment fees?

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

What do you need to qualify for US Bank Auto Refinance?

Applicants with a credit score of at least 650 and up to 850 are eligible for US Bank Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

US Bank Auto Refinance does not have or does not disclose a minimum annual income eligibility requirement. US Bank Auto Refinance will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

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 US Bank Auto Refinance. Their rates fall within the limits of The Military Lending Act.

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

  • Proof of income
  • Driver's license
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit

What is the maximum mileage to refinance with US Bank?

US Bank is an option for high-mileage vehicles. They will consider auto loan applications for vehicles with up to 100000 miles on the odometer.

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

Auto refinance loan applications are typically approved (or denied) within 24 hours and funded within 1 to 7 days of approval.

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."
SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


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  Available in 16 states
  • California
  • Colorado
  • Idaho
  • Illinois
  • Iowa
  • Kansas
  • Minnesota
  • Montana
  • Nebraska
  • Nevada
  • North Dakota
  • Oregon
  • South Dakota
  • Utah
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Age 18
Credit Score Range 650 - 850
Immigration Status Considered
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Maximum Mileage 100,000
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Payroll Check or Prepaid Card
  • Tax Returns
Joint Loan Applications Accepted
  • Individual Applications
Verification Documents Required
  • Government Issued Photo ID
  • Proof of Identity
  • Proof of Income
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Term Up to 72
APR (Fixed APR) Starting at 4.59%

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