Auto Loans

Get more mileage out of your wallet each month with a UMB auto loan.

Rates as low as 3.20% APR¹

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Whether buying a new or used vehicle or even refinancing your current auto loan, UMB offers convenient auto lending solutions with low, fixed rates on both new and used vehicles. Apply online today and close on your loan at any UMB branch.

Added benefits:

• Flexible terms allow you to choose the repayment period that fits your personal needs
• Contacting UMB for your loan pre-approval may provide you the negotiating power of a cash buyer
• No pre-payment penalty means you can pay off your loan early

Doing some research before you apply?

Check out these resources for new and used vehicle pricing and information. Just visit the National Automobile Dealers Association‡ (N.A.D.A.) website. Then use the UMB online car 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 branch.

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. Consumer titled, personal use vehicles only. Additional terms and conditions apply including vehicle restrictions, such as age and mileage. Minimum loan amount of $7,500 or greater. Please contact your local UMB branch for additional details.

¹The Annual Percentage Rate (APR) shown is for new vehicles model years 2019 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 3.20 percent, the loan can be repaid in 60 monthly payments of $18.06 per $1,000 borrowed. For example, a $10,000 loan with an APR of 3.20 percent can be repaid in 60 monthly payments of $180.58 each. Rates subject to change.