Auto Loans


Competitive fixed rates for new and used vehicles

Rates starting at 5.24% and 6.74% APR based on loan amount and term. 

That feeling when you receive the keys to your dream car—there’s nothing quite like it. That is, except, driving it off the lot. With a BBVA auto loan, financing a car is quick and simple. Apply for an auto loan online, and you could take home your new or used vehicle today.

Benefits Include:

  • Loans amounts from $5,000 and up
  • Terms from 12 to 72 months
  • Potential same-day credit decisions

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Auto loan features

Take advantage of all the great features of our auto loans, including: 

Fixed interest rates

Enjoy a fixed interest rate for the life of your loan—plus, the peace of mind that comes with knowing exactly how much you owe each month. 

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Potential rate discount

Set up a recurring monthly auto-debit of car loan payments from your BBVA checking account, and you could receive a special 0.50% interest rate discount. Don't have a BBVA checking account?

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Flexible term lengths

Choose a car finance term you’re comfortable with, from 12 to 72 months.* Flexible terms allow you to choose a shorter term and pay off your car faster—or choose a longer term and make smaller monthly payments. Just know that a longer term may result in more interest owed. 

No documentation fees or prepayment penalties

Pay no unnecessary documentation fees when applying for an auto loan. Plus, if you decide to pay off your loan before your term ends, pay no prepayment penalties.

Easy payment options

Make car loan payments in our award-winning Mobile Banking app, with the option to auto-debit payments from your BBVA checking account. You may also visit a BBVA branch or make payments via mail.

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Rates & Terms

Auto loan rates

Get a competitive low rate when you finance your new or used vehicle through BBVA. Loans range from $5,000 and up, with lower rates available for loans of $15,000 or more.

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New and Used Auto Rates

Loan Amount Maximum Loan Term APR


72 Months

As low as 5.24%

$5,000 - $14,999

48 months

As low as 6.74%

Car Loan FAQs

Buying a new car? Get the scoop on car loans before you sign on the dotted line. 


Frequently asked questions

How does an auto loan affect my credit?

Simply having an auto loan has little to no impact on your credit. But how you manage your auto loan does. As with any credit line or loan, it’s important to make your payments on time each month. Any late or partial payments can have a negative impact on your credit rating.

If you are just building your credit score, managing an auto loan properly can help you establish a good credit score that can help you for many years to come.

Can I transfer my auto loan?

You cannot simply transfer your loan to another person or allow another individual to take over your ownership and monthly payments. Any transfer of payment responsibility or ownership will need to be done by and/or with the approval of your lender.

Can I buy a motorcycle with an auto loan?

Most lenders consider auto loans and motorcycle loans two different kinds of loans. You cannot get an auto loan and then use the proceeds to purchase a motorcycle. Expect to pay a higher interest rate on a motorcycle loan since many lenders consider them more risky than car loans.

Details you need to make a smart decision

All loans are subject to eligibility, collateral, underwriting and approval, including credit approval. Advertised APRs do not include any additional discounts. Receive the Auto-Debit Interest Rate Discount of 0.50% off the base interest rate for the establishment of recurring monthly auto-debit of loan payments from your BBVA consumer checking account (enrollment in auto-debit is NOT mandatory or required for loan approval). The BBVA checking account must be opened prior to the loan being finalized to be eligible for the auto-debit interest rate discount offer. Receive the Consumer Segment Interest Rate Discount of 0.25% off of the base interest rate for enrollment in Premier Personal Banking, Everyday Heroes, Workplace Solutions or Global Wealth. The offered auto loan APR will vary between 5.24% and 13.74% based upon creditworthiness, loan amounts, term length, and other factors. *Payment Example: A 60-month fixed-rate loan for $20,000 with $0 down payment and an APR of 5.24% would have 60 monthly payments of $379.63 each.