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Bank of America auto loan rates

Branch banking with Preferred Rewards APR discounts.

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From APR
6.39%
Best advertised rate
Min credit
660+
FICO score
Loan amount
$7,500+
Up to $100,000
Loan terms
12–75
Months

Today's Bank of America rates by loan type

Rates shown are the best advertised APRs as of May 1, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 60 mo 6.39% Compare →
Used car 60 mo 6.79% 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

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