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Get extra cash for your holiday budget! No payment until 2017. Learn more > Online-only offer expires December 5, 2016!

Auto & Motorcycle Loans

Finance your new or used car, truck or motorcycle.

  • Easy application by phone, online or in person
  • Fast approval – loan proceeds available by check, often the same day
  • Get pre-approved and shop with confidence!
  • Flexible repayment terms up to 72 months and low monthly payments

Special Loan Programs

Classic Car Loans

Get a classic car loan for the same rate as a used auto.

Student Auto Loans

Commerce offers special auto loans for students currently enrolled in Undergraduate, Graduate or Technical schools.

Get more with Commerce

  • Rate discounts up to 0.75% for CommerceOptionsSM checking customers1
  • Or, get a discount of 0.25% just for having your payment automatically deducted from your Commerce checking account2

View Rates for Auto, Classic Car & Truck Loans
View Rates for Motorcycle Loans


  1. Up to 0.50% discount for those who choose automatic payment from their CommerceOptionsSM checking account, plus an additional 0.25% discount if refinancing from another lender. Mortgages and dealer loans are not eligible to receive the personal loan discounts. Additional refinancing option is limited to one discount per new installment loan, and is not applicable to Commerce credit card or loan account payoffs. Subject to credit approval. CommerceOptions requires significant product relationships or a $12 or $20 monthly fee.
  2. Not available for CommerceOptions accounts
  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.
  • NO PURCHASE OR ACCOUNT NECESSARY TO ENTER OR WIN. A PURCHASE OR ACCOUNT WILL NOT INCREASE YOUR CHANCES OF WINNING. Sweepstakes is open to legal residents of United States who are 18 years old or older on or before November 14, 2016. You may also enter by mailing your name, address, phone number and email address to Commerce Bank Website Survey Sweepstakes, 8000 Forsyth Blvd CBIR-1, St. Louis, MO 63105 Entries must be received by December 15, 2016. Approximate retail value of the prize is one of ten (10) $50.00, three (3) $100.00 or (1) $250.00 Commerce Bank Visa Gift Cards. For a copy of the Official Rules, please visit