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U.S. Bank auto loan rates

3.9/5 our editorial rating

Branch + online lender with relationship discounts.

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From APR
6.29%
Best advertised rate

This is the lowest APR U.S. Bank 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

U.S. Bank 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
$5,000+
Up to $100,000

U.S. Bank finances auto loans from $5,000 up to $100,000.

Loan terms
12–72
Months

Pick a repayment term from 12 to 72 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's U.S. Bank 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 6.29% Compare →
Used car 60 mo 6.59% Compare →
Refinance 60 mo 6.19% Compare →

Pros

  • 0.50% rate discount with auto-pay
  • Pre-qualification
  • Branch service

Cons

  • Limited to 25 states for some products
  • Vehicle age caps

How we rate lenders

Our 3.9/5 rating for U.S. Bank 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.

Compare U.S. Bank against the rest.

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