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Auto Loans

New, used and refi loans for all your toys and joys: auto, motorcycle, scooter, ATV, snowmobile, personal watercraft, boat, and RVs. So if it moves, move it to St. Mary’s Bank.


Get a $100 incentive for loans of $10,000 and over, or $50 for loans of $5,000 to $9,999*. Now is a great time to get a vehicle loan, or refinance to a better one. Apply with offer code LoansToGo.

Finance your vehicle
Flexible terms on new, used and refi auto loans
  • Rates as low as 1.99% APR**
  • Easy online application - get an answer in 60 seconds!
     Check rates  |  Calculators
 
Already applied? Click here to check the status of your loan application.

AutoSMART
Your resource for all your auto financing needs
  • Search and compare new & used vehicles
  • Find dealer partners
  • Research trade-in values, ratings and more
Visit AutoSMART

Insure your vehicle or loan
Prepare for the unforeseen  
Dealer Partner Spotlight
Special offer from Naults Powersports & Marine
  • Get 10% off parts, accessories, and warranties when you finance with St. Mary's Bank
  • Offer valid through December 31, 2021
  • See offer

Special offer from Concord Nissan
  • Get a free oil and filter change when you finance with St. Mary's Bank
  • Offer valid through December 31, 2021
  • See offer


*Vehicle loan cash incentive valid on applications from October 8, through November 30, 2021, with offer code LoansToGo. Vehicle loans include automobile, motorcycle, scooter, ATV, UTV, personal watercraft, snowmobile, RV and boat. $100 cash incentive valid on vehicle loans with a loan amount of $10,000 and over, $50 cash inventive for vehicle loans of $5,000 to $9,999. Loan must be financed or refinanced directly through St. Mary’s Bank. Existing St. Mary’s Bank vehicle loans and loans obtained through third party partner dealerships are not eligible for this offer. Cash incentive will be disbursed to a St. Mary’s Bank checking account, or other means as determined by St. Mary’s Bank once the loan is funded. Must be 18 years of age or older to qualify. Offer subject to change without notice.

**Annual Percentage Rate (APR) accurate as of 10/5/21. Lowest available APR for model years 2019-2021, up to a 36-month term. APR based on $10,000 financed with 36 monthly payment of $28.64 per thousand. APR reflects 0.10% discount with Automatic Funds Transfer (AFT) from a St. Mary’s Bank checking account; a 0.25% discount when the loan amount is 80% or less of the MSRP (new auto loans) or 80% or less of the NADA Retail Value (used auto loans), and vehicle with 100,000 miles or fewer. APR for vehicles with 100,001 miles or more will be increased by 1.00%. $50 application fee waived with AFT from a St. Mary’s Bank checking account. APR is based on evaluation of applicant’s credit and the actual rate may vary. We use risk-based pricing to determine the interest rate and/or term.

To see important details, including additional rates and terms, visit the 
Consumer Loan Rates Page .