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Fifth Third Bank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

A quick review of Fifth Third Bank auto loans

Fifth Third Bank logo

Fifth Third Bank provides new and used vehicle financing with rate discounts whether you want to make a car purchase or refinance your loan. The bank offers direct auto lending throughout Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, and Tennessee. Plus, 53 Bank works with a network of dealers in several states for indirect lending.

Want to see what a 53 Bank auto loan will cost? Try the Fifth Third Bank 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 Fifth Third Bank auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: Undisclosed.
  • Loan terms: Undisclosed.
  • Loan fees: Late payment fees.
  • Discounts: Rate discounts with auto payments and auto loan refinance.

53 BANK AUTO LOAN OPTIONS

New and used vehicles

53 Bank has new and used auto loans with flexible repayment options. You can either directly get a loan from the bank or apply at a participating dealership. To know your potential annual percentage rate (APR), you can contact Fifth Third Bank.

Auto loan refinancing

Refinancing is also available in 53 Bank. You may get lower interest rates to help you reduce your monthly payment. Plus, you can potentially get 0.25% off on your rate when you refinance a non-Fifth Third auto loan.

Fifth Third Bank 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
Fifth Third Bank

Fifth Third Bank auto loan

Fifth Third Bank 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 Fifth Third Bank 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 Fifth Third Bank auto loan

Eligibility criteria

Though the bank doesn’t list the requirements, you commonly need to be:

  • At least 18 years old
  • Employed or have a reliable source of income

From credit scores to income, each bank has different requirements. Nonetheless, there are steps you can do to improve your chances of getting approved for auto financing.

What you’ll need to have ready

When you apply for auto financing with 53 Bank, 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 Fifth Third Bank with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, proof of income (such as federal tax returns and W-2s), and financial statements.

Each application is unique, so the bank may require more or less based on your circumstance. That said, it’s important to be prepared with the car loan documents to have an easier and faster loan application.

Ways to apply for a Fifth Third auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-866-671-5353

Additional 53 Bank auto loan details

  • Automatic payment: Available.
  • Loan approval times:Undisclosed. But banks may take a day to a few weeks based on your application.
  • Rate discounts: 0.25% rate discount when refinancing a non-Fifth Third auto loan. Additional 0.25% APR discount using autopay with a Fifth Third checking account. You may also be eligible for more discounts based on your checking relationship.
  • Repayment frequency: Monthly.
  • Late payment fees: Yes. Amount unspecified.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, over the phone, in a branch, by mail, through wire transfers, Western Union payments, and other services.
  • Hardship program: You can contact 877-366-5520 to know your options.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Potential lower rates for car buyers with high credit scores.
  • Multiple payment methods – online banking, mobile app, over the phone, in person, by mail, through wire transfers, Western Union payments, and more.
  • 0.25% APR off when refinancing a non-Fifth Third auto loan.
  • 0.25% autopay discount.
  • Additional discounts based on checking relationships.
  • Available grace period without incurring a late fee.
  • Payment deferral for up to 90 days when declaring payment relief assistance.
  • Automatic recurring payments available.

Cons

  • No online application.
  • Limited information online.
  • Geographical limitations (Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, Tennessee, and West Virginia).

Frequently asked questions

How can I contact Fifth Third about my auto loan?

You can call the bank at 800-972-3030 from Monday to Friday (7 a.m. to 8 p.m.).

Are the auto loans available in all 50 states?

No. Fifth Third vehicle financing is only available in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, and Tennessee.

How to pay off an auto loan to Fifth Third Bank?

You can pay your auto loan in many ways – automatic payments, online banking, mobile app, over the phone, in person, and by mail. Also, you can make your monthly payments through wire transfers, Western Union payments, and other services.

Can I apply for a 53 Bank car loan online?

You can only apply for auto financing by visiting a branch near you or directly calling the bank. But you can access your auto loan online.

How do 53 Bank car loans work?

The bank’s auto loans have a daily simple interest. This means that your interest is calculated by multiplying your outstanding principal balance each day by your daily interest rate.

What credit score do you need for a Fifth Third Bank auto loan?

53 Bank doesn’t specify the credit requirements. But commonly, a high credit score can help you increase your chances of loan approval.

Video: Your banking experience made better | Fifth Third Momentum® Banking

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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