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Bank Of America
Bank of America: 2023 Auto Loan Review Published 2022-05-24 07:45:00
Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers with the ways and pitfalls of borrowing money to purchase the car they want.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by offering interactive financial calculators and tools that provide objective and original content, by enabling you to conduct research and compare information at no cost to help you make financial decisions with confidence. Bankrate has partnerships with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this website are provided by companies that pay us. This compensation can affect the way and when products are featured on this website, for example, for example, the order in which they appear within the listing categories, except where prohibited by law. This applies to our mortgage, home equity and other home loan products. But this compensation does have no impact on the information we provide, or the reviews you see on this site. We do not contain the vast array of companies or financial deals that could be open to you.




About our reviews . Editorial disclosure: All reviews are prepared by staff. The opinions expressed are solely the views of the reviewer. They are not evaluated or accepted by any advertiser. The information that is included, including rates and fees that are included in the review is accurate as of the date that the review was written. Review the data at the top of this page as well as the lender's website for the most up-to-date details.








At a first glance 3.5 rating: 3.5 stars out of 5
Bankrate Score

Availability Rating: 3.7 stars out of 5
Cost of Affordability: 3.2 stars out of 5
Customer Experience Rating: 4.6 5 stars from 5
A rating of Transparency: 2.5 stars out of 5


Check auto loan rates


About the Bank of America Loan amount $7,500+
Min. credit score not specified
APR from 5.79%
Funds available in As soon as same business day



Pros and cons of Bank of America auto loans Bank of America offers the assurance of a nationally-recognized bank. However, it is important to consider all sides before taking out a loan.
PROS Long shopping window
Available in all 50 states

ConS Maximum loan amount loan amount
Discount only for members
No prequalification





Bank of America works directly with authorized dealers across the United States to provide financing for over two million vehicles available. A large network isn't the only advantage it has as well. Qualifying preferred rewards members are eligible for an interest rate reduction. Applications are available online and at any of its more than 4,000 brick and mortar locations. The process is also quick, with most applicants receiving a credit decision in 60 seconds. After the decision is made your rate is set for 30 days following approval . This gives you the opportunity to compare rates prior to signing the loan contract.
Pros and pros and Bank of America auto loans Here are some of the advantages and disadvantages that come with Bank of America auto loans. Benefits: A long shopping window. Bank of America locks in your rate and permits you to shop for 30 days after qualifying. The offer is available to all 50 states. The auto financing program is accessible to motorists across all 50 states as well as in the District of Columbia. Cons: A high minimum loan amount. $7,500 is higher side compared to other lender alternatives. Discount for members only. Rate discounts are only available for members with at the minimum of $20,000 in their deposit or an investment account. There is no prequalification is required. You'll need to accept the couple-point hit to your credit if you would like to learn about rates. Who is Bank of America best for? A car loan from Bank of America is best for those who plan to finance their car through a dealership rather than fully online. Although rates are competitive, to truly benefit you would have to be a preferred rewards member -which means you must hold a high deposit or investment balance. If you're looking to stay clear of the dealership and do not have the $20,000 in the bank to get the discount rate You may be able to find cheaper rates elsewhere. Types of auto loans that are offered Bank of America offers loans to finance new and used car purchases along with refinancing loans. New and used car loans Finance for a brand new or used vehicle loan via Bank of America has a minimum loan requirement of $7,500 ($8,000 in Minnesota) and can be completed either online and in person. Loan decisions are made within a minute of submitting the application, in the event that no further information is required. Refinance Refinance loan from Bank of America must be at least $7,500. It is available by phone, online, or in a Bank of America branch office. This is an excellent option for drivers who held the loan with Bank of America, or any other lender or for those who can take advantage of member-only discounts.

Interest rates and terms The lowest rates are provided to Bank of America preferred rewards members with excellent credit. The loan product
Interest rate
New car purchase
Beginning with 5.79% APR
Used car purchase
Starting at 5.99% APR
Refinance
Starting at 6.79% APR
The online loan application lets you select terms that are either 48, 60 or 72 months. How do I apply for a loan through Bank of America There is no fee for applying to get an auto loan with Bank of America, and you can complete the application online, over the phone as well as in-person at any of its branch offices.
The process is straightforward and only takes several steps to complete. It is not necessary to have your vehicle identified when you apply.
Give details about yourself and the loan. The first step to financing your car through Bank of America is to submit an online application. Include the loan amount and the term you're looking for, your information about your income and your personal details and whether you're submitting an additional co-applicant. Lock in the rate you're paying. Bank of America has a 30 day rate lock that lets you compare rates while having an idea of what you can afford. Complete the deal. When you locate a car from a dealer that has been approved you are able to close the loan and walk away with new keys without the stress of sitting in a finance office all day. The information you must provide includes:
Loan amount and term. Contact information including address. Social Security number, birth date and Social Security number. Employment information and income. U.S. citizenship status. Joint information for applicants in the event of a joint application.
The auto loan requirements You must be a U.S citizens or permanent residents and at minimum 18 years old to be able to finance a vehicle through Bank of America. Along with that, there are some specific requirements for the vehicle. According to the FAQ page of Bank of America The following types of vehicles are not eligible for vehicle financing: Vehicles that are more that 10 years of age. Vehicles with 125,000 miles and more. Vehicles worth less than $6,000. Cars that are employed for business or commercial purpose. Branded-title or salvage vehicles. Lemon law or gray market vehicles. Service for customers If you prefer personal contact and interaction, a loan with Bank of America can serve you effectively. Customer questions can also be addressed on the website through live chat or by phone. Following loan approval, you will be connected with an loan specialist who will assist you with your needs. Wells Fargo customer assistance can be reached via phone Monday through Friday, from 8 a.m. to midnight ET, and on Saturdays between 8 a.m. until 8 p.m. ET. What is the score of Bankrate? Bankrate rates Bank of America Overall score
3.5
Accessibility
3.7
Bank of America offers a variety of auto loans that have a high minimum amount.
Affordability
3.2
The initial rates Bank of America offers are average, but the bank doesn't charge an application or the origination fee.
Customer experience
4.6
Bank of America has an easy-to-navigate website and app, and also a 30 day interest lock feature.
However, customer service isn't available 24 hours seven days a week.

Transparency
2.5
Bank of America does not offer prequalification however it does provide certain fees and rates.


Disclosure of author The reviews are written by Bankrate.com staff. The opinions expressed in the review are only those of the reviewer and have not been reviewed nor acknowledged by any advertising company. The information, including rates and fees provided in the review are accurate as of the date when the review first appeared. Review the information in the upper right hand corner of the page, and the lender's website for the most current information.




Written by
Rebecca Betterton
Auto Loans Reporter


Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the details of using loans to buy a car.





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How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the promotion of sponsored goods andservices or when you click on certain links posted on our website. So, this compensation can affect the way, location and in what order products are listed in the event that they are not permitted by law for our mortgage home equity, mortgage and other home loan products. Other factors, such as our own rules for our website and whether a product is offered in your region or within your self-selected credit score range could also affect the way and place products are listed on this website. We strive to offer an array of offers, Bankrate does not include details about each financial or credit item or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |
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