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Simmons Bank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 06 November 2023
Fact checked

Simmons Bank auto loans overview

Simmons Bank logo

With over 120 years of industry experience, Simmons Bank provides personal loans for vehicle financing. Whether you’re buying a pre-owned or new model, you can finance cars, trucks, SUVs, motorcycles, recreational vehicles, and more. Simmons offers credit in 200+ locations across Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas.

Want to see what a Simmons auto loan will cost? Try the Simmons 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 Simmons Bank auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: Undisclosed.
  • Loan terms: Undisclosed.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

SIMMONS BANK AUTO LOAN OPTIONS

New and used auto loans

Simmons Bank offers personal loans you can use to finance new and pre-owned cars, trucks, and SUVs. On top of this, annual percentage rates (APR) are fixed, so you can easily plan and budget.

RV and motorcycle loans

Other than cars, trucks, and SUVs, you can use the funds when buying new and used motorcycles, ATVs, recreational vehicles, motorhomes, travel trailers, and boats. To find out the flexible terms you qualify for, you can contact the bank for more details.

Simmons 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
Simmons Bank

Simmons Bank auto loan

Simmons 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 Simmons 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 Simmons Bank auto loan

Eligibility criteria

Though Simmons Bank doesn’t disclose the loan requirements, you normally need to satisfy the following:

  • At least 18 years old
  • A legal resident
  • Be employed or have a reliable source of income

Check your credit score and debt-to-income ratio (DTI) before you apply, too. Maintaining a high credit score and a low DTI ratio can support your application. In general, banks, lenders, and financial institutions favor borrowers with excellent credit, so these may help you secure lower interest rates and flexible terms.

What you’ll need to have ready

Personal details

When you apply for auto financing with Simmons 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

Documents

You may need to provide Simmons 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.

Additionally, Simmons’ personal loans are unsecured. This means that you don’t need collateral to secure funding. Nonetheless, make sure you can afford your repayments over the life of the loan. This way, you don’t find yourself defaulting on your loan.

Ways to apply for a Simmons Bank auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-866-246-2400

Additional Simmons auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but Simmons Bank can take a day to a few weeks depending on your situation.
  • Rate discounts: Potential lower rates for borrowers in good credit standing.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking and mobile app.

Vehicle restrictions and limitations

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

PROS AND CONS

Pros

  • Fixed interest and monthly payments for easier budgeting.
  • Available to new and used vehicles.
  • Automatic payments available.
  • Loans can be used for cars, trucks, SUVs, recreational vehicles, motorhomes, travel trailers, boats, motorcycles, and ATVs.
  • Unsecured personal loans for auto financing.
  • Several branches throughout Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas.
  • Convenient loan payment choices – online banking and mobile app.

Cons

  • No online loan application.
  • Limited information on loans online.
  • Lack of loans specific for automobiles.

FREQUENTLY ASKED QUESTIONS

Does Simmons Bank offer auto financing?

Simmons Bank offers personal loans you can use to finance different types of vehicles.

Are Simmons car loan interest rates fixed or variable?

Personal lending comes with fixed interest rates, so your monthly payments stay the same over the life of the loan.

What is the current rate at Simmons?

Simmons Bank doesn’t disclose the auto loan rates online. To find out the interest rate you qualify for, reach out to the bank.

Where can I apply for a Simmons Bank vehicle loan?

You need to visit a Simmons Bank branch to apply for loans.

What information do I need to provide when applying for a Simmons vehicle loan?

Usually, you need to provide Simmons Bank with your personal and contact details when applying for loans. Other than these, you may also need to indicate details about your income and employment.

Will applying for an auto loan with Simmons Bank affect my credit score?

A formal loan application means Simmons Bank will make a hard credit check, which will reflect on your credit report. This will drop your credit score by a few points but only for a temporary period.

Do I have to provide collateral for a personal loan?

No. Simmons Bank’s personal loans are unsecured, so you don’t need collateral to qualify.

Are the car loans available in all 50 states?

Simmons Bank offers lending across Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas.

Video: Our story – Simmons Bank

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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