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Older car loans

Finance a reliable vehicle

Loans for
Older Cars

Finance older cars at great rates.

With vehicles lasting longer than ever on the road, we make it easy to grab a great deal on cars older than 7 years.

Financing older vehicles is unique to both the automobile itself and your financial situation. Call us and let’s talk about finding a great rate for your needs.

Apply now   Need more answers?

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% is available when $7,000 or more of the loan is refinanced from another lender.1

Apply for an older car loan

Older car 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.

Get an auto loan in 3 easy steps

 Get an older car loan in 3 easy steps

#1 icon

Apply online, over the
phone or at a branch

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Finalize your financing
as early as same-day

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Receive loan funds
deposited into your account


Need to refinance your older vehicle? We can help.

If you want to lower your monthly payment — either with a lower interest rate or extended term2 — we offer flexible terms at competitive rates.

Shop with confidence after you get pre-approved.

Ask your banker how applying for pre-approval 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

Older Car loan FAQs

Commerce Bank has served its communities for over 155 years. We provide both the high-touch personal service and innovative solutions our customers need to allow you to bank when, where, and how you prefer. To learn more about why Commerce Bank stands out compared to our competitors, visit the About Us page.
Financing an older car is the same process as applying for a new or used auto loan. Commerce Bank is unique in that we offer borrowing solutions for cars of all ages, even those 7 years and older.
Yes. Commerce Bank finances classic cars.
Yes, if the vehicle still has value and fits within our collateral guidelines. The mileage on a car shouldn’t deter you from applying for financing.
Yes. Commerce Bank finances autos that are new, used and 7 years or older. Simply apply now for a Personal Loan and wait for your loan decision. Plus, take advantage of any refinancing discounts available. To check the current rate discount offers and eligibility, visit our Vehicle loans product page.
Yes. You can refinance classic cars with Commerce Bank.

Additional car loans

Auto loans options

Auto Loans

Great rates on new and used vehicles.

student car loans

Student Auto Loans

Take advantage of special rates for
post-secondary students.1



  1. 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.
  2. Extending your loan term will increase the amount of your total finance charges.
*Rates are subject to change. Your APR will be determined based on creditworthiness, length and amount of loan, and age of collateral. Must be 18 years or older to apply. Subject to credit approval.
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