Personal Vehicle and Auto Loans
Personal auto loan financing that puts you in the driver’s seat
We offer competitive, fixed rates to help you finance your next new or used vehicle, or to help you purchase a boat, motorcycle, trailer or other recreational vehicle. Apply online today for a personal vehicle or auto loan and close on your loan at any UMB branch.
Personal Vehicle and Auto Loans
Personal auto loan financing that puts you in the driver’s seat
We offer competitive, fixed rates to help you finance your next new or used vehicle, or to help you purchase a boat, motorcycle, trailer or other recreational vehicle. Apply online today for a personal vehicle or auto loan and close on your loan at any UMB branch.
Personal vehicle loan refinancing
If you’re looking to refinance a car, our personal bankers can work with you to review your vehicle lending options. An updated personal vehicle or auto loan term may lower your current monthly payment amount, and you may be able to take advantage of a lower rate.2
Boat loans and more
Are you ready to buy a boat? We’re ready to help. We offer financing for recreational vehicles from boats and motor homes, to motorcycles and ATVs. Get started on your next adventure with UMB.
How we help
Buying a car is a big decision and we want to make sure you feel confident in your purchase. Our personal auto loan finance process starts with a review of your financial situation and lending needs. We will be with you every step of the way during the purchase with a dealership or private seller.
Auto Calculators
Use our auto calculators to determine how much to spend on a new car or to see if you can access savings with a new rate for your current auto loan.
CalculateWhat financial literacy means at every age
While you should always try to make informed financial decisions, it's especially important to understand the impact of financial education during each life stage.
Financial insights: What to know about managing debt
A wide variety of consumer debt sources are available, and millions of Americans contend with student loan, credit card and medical debt daily. Paying down and managing debt in an efficient, focused way—and eventually being free of it—is vital for long-term financial security.
Put your home’s equity to work
Tackle your next project with a UMB home equity line of credit.
Find a checking account that fits your needs
Our checking accounts have the everyday features you need with the exceptional service you want.
- The annual percentage rate (APR) shown is for new vehicles model years 2021 and newer and includes a waiver of the origination fee, which requires an active UMB Select Checking® account (new or existing) and a maximum term of 60 months. An origination fee of $250 may apply, depending on your checking account relationship with UMB. Your APR may be higher depending on the model year of the vehicle and your checking account relationship with UMB. No down payment required. Based on an APR of 4.10 percent, the loan can be repaid in 60 monthly payments of $18.46 per $1,000 borrowed. For example, a $10,000 loan with an APR of 4.10 percent can be repaid in 60 monthly payments of $184.62 each. Rates subject to change. All loans are subject to credit and collateral approval. Must be 18 years or older to apply. Consumer titled, personal use vehicles only. Additional terms and conditions apply. Please contact your local UMB branch for more information.
- Subject to credit approval. Must be 18 years or older to apply. Refinancing is not available for existing UMB auto loans. Consumer titled, personal use vehicles only. Minimum loan amount of $7,500. Additional terms and conditions apply including vehicle restrictions, such as age and mileage. Please contact your local UMB branch for more information.