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Auto Loans

UMB offers low, fixed rate auto loans on new or used cars. But did you also know you can close on your loan at any UMB banking center and drive home in your new car within the same business day? Look to UMB for convenient auto lending solutions whether buying new or used or even refinancing your current loan.

Apply Now


See how you can save money every month.

  • Refinance your current auto loan at a rate as low as 2.99% APR1
  • Plus, no payment for 90 days


  • Pre-approval gives you the negotiating power of a cash buyer
  • Flexible terms let you choose from different loan terms depending upon the model and year
  • No pre-payment penalty means you can pay off your loan early
  • Convenient payment methods give you the option of how and where to pay

For new and used vehicle pricing and information, visit the National Automobile Dealers Association ‡ (N.A.D.A.) Web site. Then use the UMB online loan calculator to determine monthly payments based on various loan balances and various loan terms. When you’re ready, simply apply online for an auto loan from UMB.

For more information about our products and services, please contact us via phone or email or visit any UMB banking center.

1The Annual Percentage Rate (APR) shown includes a waiver of the origination fee, which requires an active UMB Count On More® Checking account (new or existing). Rate offer applies to vehicle model years 2012 and newer. Your APR and payments may be higher depending on collateral. Rates subject to change; subject to credit approval. Must be 18 years or older to apply. Offer does not apply to refinances of existing UMB Bank auto loans. No other discounts apply. Rate applies to consumer titled automobiles only. Finance charges will accrue during the deferral period. Additional terms and conditions apply including vehicle restrictions, such as age and mileage. Minimum loan amount of $10,000 or greater. Personal use vehicles only.