Regions Auto Loans

New Car Loans as Low as 4.05% APR with Auto Pay¹

An auto loan from Regions will give you the rate, service, and convenience to help you get where you want to go.

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We have auto loans for your budget.

We understand our customers' financial needs vary. The same auto loan might not work for everyone. So, whether you're buying a new or pre-owned car, we have a Regions auto loan that will work for you. You'll enjoy these benefits:

Competitive interest rates
A variety of terms to choose from²
Fast credit decisions

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Skip the dealership — shop cars online from home.

Regions and Carvana have teamed up to make car shopping and financing easier. Find the perfect car and price online. Pay for it with a Regions auto loan.

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Auto Loan Details

Interest Rate

New car loans APRs range from 4.05% APR to 12.03% APR with auto pay.

Collateral Requirements

New or pre-owned vehicle or light truck. Must be seven years old or less and have fewer than 90,000 miles.

Loan Amount

$5,000 up to $100,000

Required Loan-to-Value (LTV)³

Up to 110% on private party purchases and up to 130% on dealership purchases and dollar-for-dollar refinancing⁴

Rate Discounts

With automatic payment from Regions checking account⁵

Quick and Easy Application Process

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Finance a New or Pre-owned Car

Quick and easy
Convenient and secure
Branch experience optional

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Refinance Your Current Vehicle

Quick and easy
No loan processing fee

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Connect with Us

Call us at 1-888-462-7627, Monday-Friday, 7 a.m. to 7 p.m. CST and Saturday, 8 a.m. to 12 p.m. CST
Visit a Regions branch

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As of 10/22/20 annual interest rates range from 4.35% APR to 12.03% APR. The highest APR results from the smallest loan amount, shortest term length, and a loan processing fee. The lowest APRs require auto-debit discount and are available only to borrowers with excellent and substantial credit history, whose loans meet other specific credit criteria, such as qualifying loan term, loan amount, loan-to-value ratio, and vehicle characteristics. Your interest rate will depend on a variety of factors, including the model year of the vehicle and whether the vehicle is new or used, as well as your credit history, loan amount, loan term, loan-to-value ratio of your vehicle (based upon dealer invoice for new or NADA value for used), and election to receive a 0.25% discount by having monthly payments auto-debited from your Regions checking account (the “Auto Debit Discount”). Your APR will depend on your interest rate, loan amount, loan term, and a loan processing fee. All loans are subject to credit approval. Loan application requires vehicle information, as well as, driver’s license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions apply. Use our Auto Rate Loan Calculator to see how loan terms, purchase price and interest rate impact monthly payment amounts.
Cannot exceed current remaining months on existing vehicle loan.
Loan to Value (LTV) based on dealer invoice on new vehicles or NADA value for used vehicles plus tax, tag and title fees.
Maximum amount cannot exceed pay-off of existing loan amount.
To qualify for the 0.25% discount you must be a Regions checking account customer and agree to have your monthly payments automatically debited from your Regions checking account at the time of your application and maintain your payments using auto-debit for the life of your loan.