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Auto Loans

  • Easy application process
  • Interest rate discounts available
  • Expanded repayment terms (up to 84 months)
Apply Online View Rates

Hit the Road with a Low Rate

New/Used/Refi Auto Loan
APR as low as*
5.24%

up to 63 months

View all rates

Rev up your savings and make your monthly payments purr like a well-tuned engine. Our auto loan financing solutions offer a smooth path to buying or refinancing your next vehicle. 

  • BUY. Get flexible repayment terms and no hidden fees, you can enjoy the freedom of the open road without breaking the bank.
  • REFI. Shift gears and pay off your existing loan with a new one with lower rates and updated terms.

 

Apply Now

 

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Calculate Your Savings with a Refi

Enter the specifics about your current loan into our easy-to-use calculator and determine how much interest refinancing can save you.
Refinance Today

Apply for or Refinance an Auto Loan

Ready to finish or check the status of your application? Click here.

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Did you know?

You can get a rate discount on your new auto loan by setting up an Automatic Funds Transfer from your St. Mary's Bank Checking Account.
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AutoSMART

AutoSMART is the one-stop shop for all of your auto financing needs. Save time and money with a single online tool that lets you search and compare new & used vehicles, shop at partner dealerships, and secure St. Mary's Bank financing - all from the comfort of your home.

  • Find trusted, local dealers
  • Research trade-in values, ratings and more
  • Apply for low-cost auto loan financing
Visit AutoSMART
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Protect Yourself with GAP Plus

Guaranteed Asset Protection Plus (GAP Plus) protects your vehicle loan and:

  • Covers the loan if the vehicle is stolen or totaled in an accident
  • Receive $2,500 toward a replacement vehicle financed with St. Mary’s Bank
  • Pay for protection upfront or finance into the auto loan
Learn More

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*Annual Percentage Rate (APR) accurate as of 9/16/25. Lowest available APR for model years 2023-2025, up to a 63-month term. APR based on $10,000 financed with 63 monthly payments of $18.19 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. Rates and terms subject to change.