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Continue Go back to Bank of America. We sent an email with the download link to. We sent a text message with the download link to. Return to your accounts. Schedule an appointment.
Please tell us where you bank so we can give you accurate rate and fee information for your location. Fast application. Fast credit decision. Footnote 1. Bank of America auto loan terms range from 12 to 75 months. View our navigate to Bank of America auto loan eligibility requirements for information about minimum amounts financed, applicant eligibility and more.
Important note: If you're not currently enrolled in Online Banking, please visit a financial center or click to schedule an appointment to apply for your private party loan. The figures entered on the input page of this calculator are for hypothetical purposes only.
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The terms and conditions of products offered by institutions will differ and may affect the results of the calculator. Please consult with qualified professionals to discuss your situation. Online Banking customers may apply online for an auto loan to purchase a vehicle from a private party an individual seller. If you're not currently enrolled in Online Banking, visit a financial center or click to schedule an appointment to apply for your loan.
Get the Mobile Banking app. Get it on the App Store Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies. Or we can text a download link directly to your phone. Please enter a valid digit phone number. Lenders will usually review your credit history before issuing a preapproval because it helps predict how likely you are to repay a loan on time.
To help ensure there are no surprises during your credit check, review your credit reports before going to the lender to see if all the information is accurate. If you find incorrect information on a credit report, you can dispute the information. Getting preapproved can require quite a bit of information. Lenders often ask for information about your identity, income, employment information, credit history and other debt payments when reviewing your application for preapproval.
A lender may pull your credit reports as part of the preapproval process, which could generate a hard inquiry on your credit file. Before applying for preapproval, you can check whether the lender is running a hard or soft inquiry. Hard credit checks from multiple lenders — from around 14 days to up to 45 days — will usually count as just one inquiry, depending on the credit scoring model used.
In some cases, a lender may need to contact you for more information before it can make a decision. Accepting the first price a dealership offers you on a car may not be recommended, nor is it wise to take the first loan offer you get. Check out what car loans from banks , credit unions and online lenders have to offer and compare each offer carefully.
Preapprovals are typically valid for 30 to 60 days. When you find a car you want to buy, you can submit a formal loan application with the dealer that may include a lot of the information you used for the preapproval, including specifics about the car such as the year, make, model, mileage and VIN. Some lenders restrict the vehicles they will finance.
Restrictions are often based on the type of vehicle, how it will be used, the make or number of miles the vehicle has on it. Habits like consistently paying your bills on time, keeping your credit utilization low and minimizing your debt-to-income ratio can help you establish a solid credit history and improve your chances of getting preapproved.
This ratio compares your current monthly debt payments to your monthly income.
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