Auto and Recreational Loans

Auto Loans and Recreational Vehicle Financing

UMB offers competitive auto loan interest rates that put you in the driver's seat. Rates as low as 6.59% APR¹

Apply now


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 Payment Calculator

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

View all calculators


Questions about Auto Loans? UMB has answers.

    The average interest rate on an auto loan depends on many factors. A borrower’s credit history and the type and age of the vehicle highly impact a car loan interest rate.

    For current car loan interest rates from UMB, read more about our auto and recreational vehicle financing options.

    Calculate how much you can afford

    The interest rate along with your down payment and term of your auto loan determine how much you can afford to buy. Estimate your auto loan payments with the UMB Car Payment Calculator.

    Apply online

    Take advantage of our competitive auto loan interest rates and personalized customer service. You can easily apply online today for a UMB auto loan.

    Speak to a UMB personal banker

    Whether you’re buying a new or used car or truck, or a recreational vehicle like a motorcycle or RV, we’re here to help. For more answers to your auto loan questions, schedule an appointment with a personal banker at a UMB branch location.

    In many cases, yes, you can refinance your auto loan. A new auto loan term or lower interest rate may lower your current monthly payment amount.

    Refinancing your car replaces your original loan with a new loan

    You pay the refinanced auto loan according to the rate and terms of the new agreement. Analyze your car refinancing options and scenarios using UMB’s Auto Refinancing Calculator.

    Credit history affects auto refinancing

    As with the original vehicle loan, getting the best auto refinance rate today depends on a few factors, including your credit score. Generally, to receive the best auto refinancing rates, you need a demonstrated history of paying your credit obligations on time, over a span of time. Read more about building and maintaining healthy credit.

    The interest rate on your auto loan is used to calculate the cost of financing a car with a lender. The easiest way to calculate the impact your car loan interest rate has on your monthly payment is to use an online car payment calculator. Have these things ready to input:

    1. Car sales price
    2. Cash down payment (or trade-in value for your current car)
    3. Months/years you’d like for the auto loan term
    4. Proposed interest rate, if known

    Plan for your vehicle purchase

    Read more about how to plan to buy a vehicle and choose an auto loan on the UMB blog.

    Getting the best car loan rate or auto loan rate depends on a borrower’s credit history, the age of the vehicle and the term (length in years) of the vehicle financing.

    UMB offers competitive auto loan rates as well as options for financing for recreational vehicles, like motorcycles, boats, RVs and ATVs.

    The best auto financing is what you can afford

    Understand your financial goals and priorities before financing a new vehicle. Especially when considering a second vehicle, think about what’s realistic for your lifestyle.

    • auto loans

      Auto loans quick guide: What to know before you buy

      The cost of purchasing a vehicle has surged in recent years due partly to inflation, supply chain disruptions and manufacturing costs. While the market is stabilizing, buying new and used cars is still quite expensive. According to Kelley Blue Book‡...

      Read Now
    • home buying basics to know

      Quick guide: Home buying basics to know

      Home buying: What you need to know Now that you’ve nailed down what you want in a home and you know what you can afford, it’s time to choose the right house. Depending on your region, there may be a...

      Read Now
    • avalanche and snowball debt strategy methods

      Debt strategy comparison: Avalanche or snowball?

      Many Americans live with debt, whether from credit cards, student loans or auto financing, and one of the first steps to financial soundness is managing that debt. Paying off or minimizing credit balances can be approached from a variety of...

      Read Now
    • Right loan for you

      Buying a home: Choosing the right mortgage loan for you

      There are many home loan choices. Finding the right lender will be the key to obtaining the information you need to make the right decision for your home financing situation. The pre-approval process should have uncovered many of the factors...

      Read Now
    • personal lending guide

      Personal lending 101: What loan is right for you?

      Life can be unpredictable. That’s why it’s important to understand the personal loans and lending options that can help you finance the unexpected and plan for the road ahead. So, what personal loan is right for you? Here are a...

      Read Now
    1. The annual percentage rate (APR) shown is for new vehicles model years 2023 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 6.59 percent, the loan can be repaid in 60 monthly payments of $19.61 per $1,000 borrowed. For example, a $10,000 loan with an APR of 6.59 percent can be repaid in 60 monthly payments of $196.08 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.