Branch and online bank with auto loans, refinancing, and lease buyouts.
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.
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.
U.S. Bank finances auto loans from $5,000 up to $100,000.
Pick a repayment term from 12 to 84 months. A longer term lowers the monthly payment but increases the total interest you pay.
Rates shown are the best advertised APRs as of October 22, 2026. Your actual rate depends on credit, term, and loan amount.
Our 3.9/5 rating for U.S. Bank is computed from the same published data shown on this page. It is not based on opinion or on 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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