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Vehicle Loans

New and used auto financing

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Finance your new ride.

Whether you’re looking for a loan on a new or used car, we can help you get behind the wheel. From boat loans to RV loans and motorcycle loans, we offer financing solutions for your next big adventure — or relaxing weekend.

Auto Loan Rates*

Auto Loans

Finance the new or used car
that’s right for your needs.

Apply now  Learn more about auto loans

Auto Loan Refinance

Refinance your auto loan
and lower your payments.

Apply now  Learn more about auto loan refinancing

RV Loans

Hit the open road in a
motorhome and find your fun.

Apply now  Learn more about RV loans

Boat Loans

Make your next trip to the lake
even more memorable.

Apply now  Learn more about boat loans

Motorcycle Loans

Get revved up for great rates
on motorcycles and ATVs.

Apply now  Learn more about motorcycle loans

Vehicle loan terms

Take advantage of flexible terms — long, short or somewhere in the middle. Let’s find a financing plan that works for your unique needs.

Need to refinance your vehicle? We can help.

If you want to lower your monthly payment — either with a lower interest rate or extended term1 — we offer flexible terms at competitive rates. Check the rates on any of our loan products above and see how you can save even more with an interest rate discount.

Shop with confidence after you get preapproved.

Ask your banker how applying for preapproval on an auto loan can simplify your search before you visit the dealership. We’ll give you a clear picture of what you can afford with your requested loan term and amount.

Call 877-373-3733

Save 0.25% off your interest rate

  • For having your payment automatically deducted from your Commerce checking or savings account.2

  • An additional 0.25% rate discount is available when $7,000 or more of the loan is refinanced from another lender.2

Apply for an Auto Loan for a personal loan


  • Rates are subject to change. These rates are available only for new and used car, truck and motorcycle loans. Your APR will be determined based on creditworthiness, length and amount of loan, and age of collateral. For auto loans, new rates apply to the current vehicle model year or newer; used rates apply to the previous six model years. Higher rates may apply to collateral seven or more years old. Must be 18 years or older to apply.
  • Subject to credit approval.
  1. Extending your loan term will increase the amount of your total finance charges.
  2. Rate discount cannot be combined with any other offer and is not available on dealer loans or refinances of Commerce Bank loans. Rate discounts cannot be combined with any other offer. Mortgages and dealer loans are not eligible to receive these rate discounts. Refinancing discount is limited to one discount per new installment loan and does not apply to Commerce credit card or loan account payoffs. In order to qualify for refinancing discount, must refinance $7,000 or more of debt from another lender. Student loan discount of 0.50% cannot be combined with auto loan ACH or refinance discounts of 0.25%.