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U.S. Bank auto loan rates

Branch + online lender with relationship discounts.

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From APR
6.29%
Best advertised rate
Min credit
660+
FICO score
Loan amount
$5,000+
Up to $100,000
Loan terms
12–72
Months

Today's U.S. Bank 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 6.29% 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

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