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Bank of America auto loan rates

4.3/5 our editorial rating

Branch banking with Preferred Rewards APR discounts.

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From APR
5.14%
Best advertised rate

This is the lowest APR Bank of America advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Min credit
660+
FICO score

Bank of America advertises its best rates to borrowers with FICO scores around 660 and up. Below that, approval is still possible - usually at a higher APR.

Loan amount
$7,500+
Up to $100,000

Bank of America finances auto loans from $7,500 up to $100,000.

Loan terms
12–75
Months

Pick a repayment term from 12 to 75 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's Bank of America rates by loan type

Rates shown are the best advertised APRs as of July 8, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 60 mo 5.14% Compare →
Used car 60 mo 5.34% Compare →
Refinance 60 mo 6.29% Compare →

Pros

  • Up to 0.50% off with Preferred Rewards
  • Pre-qualification available
  • Branch + online

Cons

  • Vehicle restrictions (age/miles)
  • Discount requires deposit relationship

How we rate lenders

Our 4.3/5 rating for Bank of America is computed from the same published data shown on this page - not from opinion, and never from partner relationships. The formula weighs four things:

Ratings update automatically when a lender's published terms change. Referral fees some lenders pay us have no input into this score.

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