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Auto Loans

If you’re considering buying a new vehicle, or refinancing an existing auto loan, we invite you to take advantage of our competitive auto financing rates and online resources.
Finance your Vehicle
new, used or refi auto loans
  • Flexible terms
  • Rates as low as 2.64% APR**
  • Easy online application - get an answer in 60 seconds!
     Check rates
Already applied? Click here to check the status of your loan application.

your one-stop resource for all your auto financing needs
  • Search new & used autos
  • Find dealer partners
  • Compare makes & models
  • Research trade-in values, ratings and more
Visit AutoSMART

Insure your vehicle or loan
designed to help you and your family prepare for the unforeseen
Dealer Partner Spotlight
Special offer from Banks
  • Get a free oil change when you purchase a vehicle through Banks and finance with St. Mary's Bank
  • Offer valid through December 31, 2020
  • See offer

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

*Apply with offer code GO50. Valid on new/used auto loans. Loan must be closed directly through St. Mary’s Bank. Existing St. Mary’s Bank auto loans and loans obtained through third party partner auto dealerships not eligible for this offer. $50 will be disbursed to a St. Mary’s Bank deposit account once the loan is funded. Limit one gift per loan.

**Annual Percentage Rate (APR) reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account; a 0.25% discount when the loan amount is 80% or less than the MSRP (new auto loans) or 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%. APR based on $10,000 financed, except for 72-84 month term auto loans where the APR is based on $15,000 minimum loan amount. APR and term are 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.