Personal Vehicle and Auto Loans

Personal auto loan financing that puts you in the driver’s seat

Rates as low as 5.30% APR1

Apply Now

Personal Vehicle and Auto Loans

Personal auto loan financing that puts you in the driver’s seat

Rates as low as 5.30% APR1

Apply Now

Auto Payment Calculator

Use our auto payment calculator to determine how much you can afford to spend on a new car.

Calculate

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

Auto Loan Refinancing

Boat Loans

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.

How We Can Help

Auto Refinancing Calculator

Use our auto calculators to figure out how much you can afford for buying or refinancing a vehicle. With loan terms up to 6 years (72 months), we have plenty of financing options available.

Calculate an auto refinance

Put your home’s equity to work

Tackle your next project with a UMB home equity line of credit.

Learn More

Find a checking account that fits your needs

Our checking accounts have the everyday features you need with the exceptional service you want.

Learn More

  1. The annual percentage rate (APR) shown is for new vehicles model years 2022 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 5.30 percent, the loan can be repaid in 60 monthly payments of $19.01 per $1,000 borrowed. For example, a $10,000 loan with an APR of 5.30 percent can be repaid in 60 monthly payments of $190.09 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.
  2. 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.