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Woman gets the keys for a newly financed car.

Auto Loan Rates

Shop new and used car rates.

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Check loan rates and explore your options.

Experience auto financing that fits your needs — and your pocketbook.

Apply now to refinance your car loan  Call 877-373-3733

Auto Loan Rates*

Save 0.25% off your interest rate

  • For having your payment automatically deducted from your Commerce checking or savings account.1

  • An additional 0.25% rate discount is available when $7,000 or more of the loan is refinanced from another lender.1

Apply for an Auto Loan for a personal loan

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.


  • 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. Rate discounts cannot be combined with any other offer. Mortgages, dealer loans and refinances of Commerce Bank 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.