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Bank of the West Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 16 September 2023
Fact checked

A quick review of Bank of the West auto loans

Bank of the West logo

Bank of the West auto loans come with attractive interest-rate discounts on qualified alternative fuel vehicles and automatic payments. You can purchase or refinance new and auto loans as well as lease buyouts. Currently, the bank is available in 19 states.

Want to see what a Bank of West auto loan will cost? Try the Bank of the West auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Bank of the West auto loan features

  • Minimum loan amount: $7,500.
  • Maximum loan amount: $150,000.
  • Interest rates: Undisclosed.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Potential lower interest rates for high-credit borrowers. Additionally, 0.25% rate discounts for automatic payments and select alternative fuel vehicles.

Bank of the West auto loan options

New and used car loans

Bank of the West provides quick loan solutions to finance and refinance pre-owned and new vehicles. When financing a vehicle, you can choose from private parties, dealers, or brokers.

Lease buyouts

Lease buyouts for existing leases are also available. You can contact Bank of the West or visit a local branch so that a bank representative can help you know your options.

Bank of the West auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
BNP Paribas / Bank of the West

BNP Paribas / Bank of the West auto loan

BNP Paribas / Bank of the West auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate BNP Paribas / Bank of the West auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Bank of the West auto loan

Eligibility criteria

  • Must be at least 18 years old or be legal to contract for automotive financing
  • Must reside in the bank’s branch network
  • U.S. citizenship or permanent residency
  • A steady source of income

International applicants are also eligible through the bank’s International Banking Group. Since all applications are subject to credit approval, try to check your credit score, too. Through this, you can work on improving your score to qualify for a more ideal rate and loan term.

What you’ll need to have ready:

When you apply for auto financing with Bank of the West, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide the Bank of West with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

When you submit an auto financing application, the Bank of West needs information on the vehicle, too. These include the vehicle’s make, model, and year. So, before applying, make sure you prepare these details to fast-track your loan application.

Ways to apply for a Bank of the West auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-866-269-2327

Additional Bank of the West auto loan details

  • Automatic payment: Available.
  • Loan approval times: 1 to 3 business days. If you need additional documents, it may take longer.
  • Rate discounts: 0.25% rate discount for qualified alternative fuel vehicles, and 0.25% off on automatic payments.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Yes, regardless of marital status.
  • Co-signers: Allowed.
  • Ways to repay: Online banking, ACI Payments, Inc., by mail, and in a branch.

Vehicle restrictions and limitations

  • Maximum vehicle age: Older than 9 calendar years.
  • Maximum vehicle mileage: For new models, less than 6,000 miles. For used vehicles, the maximum mileage is based on loan terms.
  • Other vehicle restrictions: Vehicles imported through sources outside factory-authorized distributors. Commercial and for-hire vehicles. Bus or van conversions, special body trucks, and exotic or limited production vehicles. Vehicles weighing 3.5 tons or higher, not in working order, salvaged, or hail-damaged.

Pros and cons

Pros

  • Long loan terms of up to 84 months for more manageable monthly payments.
  • No prepayment penalties.
  • 0.25% rate discount on alternative fuel vehicles.
  • 0.25% off on automatic payments.
  • Co-borrowers and co-signers allowed.
  • Fast loan approval time.
  • No down payment requirements for loans less than $100,000.
  • Available in 19 states.

Cons

  • Undisclosed Annual Percentage Rate (APR) and interest rates.
  • Lack of commercial vehicle loans.
  • No pre-approval.
  • Unspecified loan fees.

Frequently asked questions

Can I get a pre-approval for an auto loan?

No. When you apply at Bank of the West, you need the vehicle’s make, model, and year.

Are there discounts available on Bank of the West auto loans?

Yes. The bank offers a 0.25% rate discount for select alternative fuel vehicles and 0.25% off on autopay from the bank’s checking or savings account.

Can I apply for a Bank of the West car loan online?

Yes. You can submit your auto loan application online.

What information do I need to provide when applying for a Bank of West vehicle finance?

You need to give your personal and contact information. You should also prepare details about the vehicle, your assets and debts, and Social Security or taxpayer ID number. Moreover, you need to provide 2 years of verifiable income history.

Will I need to make a down payment?

There aren’t any down payments needed for loan amounts less than $100,000. However, you need a 10% down payment for loans of $100,000 or more.

Will applying for a car loan with the Bank of the West affect my credit score?

Applying for a car loan requires the bank to conduct a hard credit check. Since this appears on your credit report, it can cause a temporary dip in your credit score. To boost your credit, make timely payments on your auto loan.

Are there early repayment fees on Bank of the West car loans?

No. The Bank of the West doesn’t charge prepayment penalties when you make early loan payments.

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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