• Locations
  • ATM locator

Car payment calculator

Use our financing payment calculator to estimate your monthly payment for a new or used vehicle you buy at a dealership.1

Calculate monthly auto payments

Enter a few details in the fields below, and we’ll show you examples of different loan terms, monthly payments and annual percentage rates (APR). Auto financing has a 12-month minimum term and $5,000 minimum amount. It’s available on vehicles up to 9 model years old.

Take the next step.

Shop for cars or apply for pre-approval so you know what you can spend at a participating dealership.

Shop for cars Apply now

You could qualify for an interest-rate discount up to 0.20%.

Have a U.S. Bank Smartly® Checking account? If you enroll in U.S. Bank Smart Rewards® before you apply for an auto loan, you may qualify for a rate discount up to 0.20%.3 You must be eligible before applying. Eligibility may take up to five days after enrollment.

 

Not yet enrolled? Do it today.

Learn more about Smart Rewards

Find the right auto financing for you.

Finance new or used vehicles

You can shop with confidence when you start with an auto financing pre-approval.

Learn about pre-approval

Auto refinancing

You could lower your monthly payment or pay off your loan sooner while keeping the vehicle you love.

Explore auto refinancing

Lease buyout

If you currently lease your vehicle, a lease buyout loan lets you purchase it at the end of your lease term.

Understand lease buyout loans

READY TO GET STARTED?

Apply now
Call 800-342-4310
Find a branch
Make an appointment
Start of disclosure content

Disclosures

  1. Monthly payment and annual percentage rate (APR) will vary based on the term, amount financed, model year, loan-to-value (LTV) percentage, credit history and applicable fees.

  3. Apply online or through a U.S. Bank branch for pre-approval of a loan to purchase a car or truck at one of our participating dealerships. The interest rate discount is not reflected in the rates provided on our website but will be reflected in the interest rate quoted if approved. To receive the interest rate discount, you must open a U.S. Bank Smartly Checking account, enroll in U.S. Bank Smart Rewards and be assigned a qualifying tier before applying for an auto loan. Tier assignment generally takes five business days after enrollment. Interest rate discounts are based on your Smart Rewards tier. A minimum of $25 is required to open a U.S. Bank Smartly Checking account. For a list of interest rate discounts and terms, see the Consumer Pricing Information disclosure.

Start of disclosure content