Auto Payment Calculator
Use our auto payment calculator to determine how much you can afford to spend on a new car.
CalculateAuto Loans and Recreational Vehicle Financing
UMB offer competitive auto loan interest rates that put you in the driver's seat.
Rates as low as 5.85% APR1
Auto Loans and Recreational Vehicle Financing
UMB offer competitive auto loan interest rates that put you in the driver's seat.
Rates as low as 5.85% APR1
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 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 refinanceQuestions about Auto Loans? UMB Has Answers.
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 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 5.85 percent, the loan can be repaid in 60 monthly payments of $19.26 per $1,000 borrowed. For example, a $10,000 loan with an APR of 5.85 percent can be repaid in 60 monthly payments of $192.63 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.