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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*

4.64%

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 give you a smooth, supportive path to buying or refinancing your next vehicle.  

  • BUY. Whether you’re shopping for a new or used car loan, we offer competitive auto loan rates, flexible repayment terms, and no hidden fees—so you can hit the road with confidence and stay on budget.
  • REFI. Looking to refinance your car loan? Shift gears by replacing your current loan with one that may offer lower car loan interest rates and terms that better fit your life today.

Ready to get started?

Apply Now

Check What Documents You'll Need.

 

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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

Upload auto loan documents or check your status 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

FAQs

What documents do I need to apply for a loan?
You may be asked to provide documents that help verify your identity, income, and other details related to your application. See a complete list here.
How do I get a loan rate discount?
Set up automatic payments from your St. Mary's Bank checking account. Ask about the discount when you apply or contact us to add it to an existing loan.
What payment options are available?
Check out our Consumer Loan Payment page for your options here.
I have my vehicle financed with another bank. Can I refinance with you?
Yes, you may refinance your car loan through St. Mary's Bank. Receive a 0.10% discount off your interest rate when you register for Automatic Funds Transfer (AFT) from your St. Mary's Beyond Checking Account. Visit our Consumer Loan Rates page to see the latest rates https://www.stmarysbank.com/rates/consumer-loan-rates. 

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*Annual Percentage Rate (APR) accurate as of 1/22/26. Lowest available APR for model years 2024-2026, up to a 63-month term. APR based on $10,000 financed with 63 monthly payments of $17.92 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.