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Save smart on your campus car.

Make the trip to school easier

Auto Loans

Save smart on your campus car.

Are you currently enrolled in undergraduate, graduate or technical school? If you need a car for your campus commute, make the smart move and take advantage of our student auto loans.

Student Auto Loan Rates

Student auto loan offer

You’ll get a 0.50% discount off our already low rates1,
valid on auto loans of $7,000 or more.

Our student auto loans also feature:

• No origination or transaction fees
• Extended terms by up to an additional six months for lower payments2

Apply for a student auto loan use offer code WSAL

Student auto 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 more answers?

Learn more

Get an auto loan in 3 easy steps

 Get a student auto loan in 3 easy steps

#1 icon

Apply online, over the
phone or at a branch

#2 icon

Finalize your financing
as early as same-day

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Receive loan funds
deposited into your account


Need to refinance your 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

Questions? We're up to the challenge.

Challenge Accepted.(R)

Contact us

Student Auto loan FAQs

While some dealerships may have intriguing financing offers, they often come with additional dealership and loan fees. Financing through Commerce Bank is a straightforward process with no loan fees or early payoff fees. Additionally, you may qualify for an even lower payment through our vehicle loan discounts. To check the current rate discount offers and eligibility, visit our Vehicle Loans product page.
Start by clicking apply now. You can apply before or after you have found the vehicle you would like to purchase. After a review of your application, you will be contacted with the loan decision. If you are approved, you will be contacted about how to close your loan and purchase the vehicle of your choosing.
A credit score is required. However, credit score requirements often change and can differ based on the type of loan. While credit score is used to determine loan eligibility, several other factors are used as well. Regardless of your credit score, we encourage everyone to apply.
A reasonable monthly car payment depends on your unique financial situation.
Use these calculators to help with your budgeting and decide what a reasonable car payment would be for you:
How much vehicle can I afford?
Should I refinance my auto loan at a lower rate?
What would my loan payments be?
How long until my loan is paid off?

Additional car loans

Auto loans options

Auto Loans

Great rates on new and used vehicles.

Older car loan

Older Car Loans

Lending solutions for cars 7 years or older.



  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. Student loan discount of 0.50% cannot be combined with auto loan ACH or refinance discounts of 0.25%.
  2. Extending your loan term will increase the amount of your total finance charges.
*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 6 model years. Higher rates may apply to collateral 7 or more years old. Must be 18 years or older to apply. Subject to credit approval.