Skip to main content

Auto Loan Application

Auto Loan Application

Auto Loan Application

Auto Loan Application

Auto Loan Application

Auto Loan Application

Auto Loan Application

Auto Loan Application

Auto Loan Application

Auto Loan Application

Auto Loan Application

Auto Loan Application

Auto Loan Application

Auto Loan Application

Private Party Vehicle Loan

Auto Loan Application

Confirmation

Auto Loan Application

Auto Loan Application

Auto Loan Application

  • icon
    CALL 844-892-6002

Check and fix errors to continue.

At least one applicant must have an income greater than 0.


Your Loan Request

Terms & Conditions (1 of 3)

Terms & Conditions (2 of 3)

Terms & Conditions (3 of 3)

Review & Submit

Congratulations! You're Approved.

Thank you for your interest.

Here's Your New Loan Offer

We're Reviewing Your Application

Identity Verification

Sign in. Save Time.

Save and complete later

Your application has been saved

Welcome. Apply in just minutes.

To give you the most accurate loan information, we'll need a few more details.

Now you'll need to review 3 sets of disclosures. Consumer Information is first. Consenting to it allows us to provide you with important information electronically.

Next is the eSignature disclosure. Consenting to it enables you to sign documents electronically.

Finally, please review the application Terms & Conditions and any special disclosure that applies in your state.

, you're almost done. Please check your information before you submit.

At this time, we aren't able to approve your application.

We approved your application for a term and/or amount different from what you originally requested.

, please answer the following questions to continue the loan process.

Customers enrolled in Online Banking can finish their application sooner by signing in and prefilling their application with account information.

Thank you for your interest in Bank of America. Your application for an auto loan will be saved for 30 days.

Your saved items

Begin an application for your other saved products.

Return to your saved items


* required

Welcome Back,

Your saved loan application is ready for you to continue.


* required

 
 

About our dealers

Franchise dealers sell new and used cars for auto manufacturers such as Ford®, General Motors®, Chrysler®, Honda® and others. Independent dealers are not affiliated with an auto manufacturer and may sell many different brands of vehicles. Bank of America does not finance vehicles purchased from independent dealers other than CarMax®, Hertz Car Sales®, Enterprise Car Sales and Carvana.

Once you submit your application

If we're able to approve you right away, we'll let you know immediately. If we need more time, we'll email you a decision by the end of the next business day.

If you're approved, you'll receive an Approval Code that lets authorized dealers quickly retrieve your loan information and streamline your purchase.

 
 

Your car info

You'll need the year, make, model, mileage, trim and Vehicle Identification Number (VIN).

After you apply

If we're able to approve you right away, we'll let you know immediately. If we need more time, we'll email you a decision by the end of the next business day.

Your car info

You'll need the year, make, model, mileage, trim and Vehicle Identification Number (VIN). Lease buyouts require that all applicants are listed on the existing lease. We do not offer financing for lease buyouts that include a name change.

After you apply

If we're able to approve you right away, we'll let you know immediately. If we need more time, we'll email you a decision by the end of the next business day.

Purchasing from a private party?

Online Banking customers may apply online for an auto loan to purchase a vehicle from a private party (an individual seller). The seller must be the same as the registered owner listed on the title. If you’re not currently enrolled in Online Banking, please visit a financial center or schedule an appointment to apply for your loan.

Your car info

You'll need the year, make, model, mileage, trim and Vehicle Identification Number (VIN).

After you apply

If we're able to approve you right away, we'll let you know immediately. If we need more time, we'll email you a decision by the end of the next business day.


Are you a Bank of America Online Banking customer?

 

Know before you apply

About the car

 
 

 

Vehicle Identification Number

We can't find car information for this VIN. Try a different VIN or enter your vehicle details instead.

Please enter a valid 17-character VIN (Vehicle Identification Number). Try a different VIN or enter your vehicle details instead.

Your car

Not your car?

Cannot be greater than 125,000

Our VIN search returned multiple results. Please select your vehicle from the dropdown menu.

Don't see your car listed? Enter your vehicle info

Cannot be greater than 125,000

We can't find car information for this VIN. Try a different VIN or enter your vehicle details instead.

Please enter a valid 17-character VIN (Vehicle Identification Number). Try a different VIN or enter your vehicle details instead.

Our results show that your car is more than 10 years old and therefore not eligible for financing. If this is not correct, please enter your car details here.

An error occurred while accessing the vehicle database. Please enter your vehicle details.


Cannot be greater than 10 calendar years old

Cannot be greater than 125,000

 

Vehicle Identification Number


About your loan

icon You can request a change to the loan amount once you have the final price or payoff of the car. Changes may affect your approval and loan terms.

$

Not less than


About you

icon How we identify you

Bank of America, like all financial institutions, is required by federal law to obtain, verify, and record information that identifies each customer who opens an account with us. When you open an account with us, we will ask for your name, address and other information that will allow us to identify you.

Personal info

Name

Name should exactly match driver's license or government-issued ID

Street address

Phone number

Email address

Change your information

Any information updated here will be updated in your Online Banking profile and accounts opened today, but will not change any information on existing accounts.

Name should exactly match driver's license or government-issued ID

Residential (no P.O. boxes)

First 5 digits required

XXX-XXX-XXXX

XXX-XXX-XXXX

Note: The phone number supplied may be used to leave a detailed message regarding your loan. If you are providing a mobile phone number, by submitting your application, you are providing consent to receive text messages on the mobile number provided.

 


And here's what we still need to complete your application.

Name should exactly match driver's license or government-issued ID

Residential (no P.O. boxes)

First 5 digits required

XXX-XXX-XXXX

XXX-XXX-XXXX

Note: The phone number supplied may be used to leave a detailed message regarding your loan. If you are providing a mobile phone number, by submitting your application, you are providing consent to receive text messages on the mobile number provided.

 

 
 
 

 

An error occurred while accessing the database.

XXX-XX-XXXX

Proof of non-resident alien status and employment authorization will be required to complete the application.

Proof of resident alien status will be required to complete the application.

 
 
 

Where are you currently living?

An error occurred while accessing the database.

MM/DD/YYYY

MM/DD/YYYY

Mother's maiden name


Employment & finances

 

Don't work for a company? Enter self-employed.

What most closely describes your occupation?

How long have you been at this job?

XXX-XXX-XXXX

Optional

Note: The phone number supplied may be used to leave a detailed message regarding your loan. If you are providing a mobile phone number, by submitting your application, you are providing consent to receive text messages on the mobile number provided.


About your income

We collect your individual income information to determine your individual ability to pay. Examples may include income earned from your employment such as salary, overtime or bonuses, retirement or pension and rental properties. Student loans, grants, scholarships and financial aid are not acceptable sources of income.

$

Other income

Any retirement income, pension, social security, or other supplemental income sources that you wish to have considered as a basis for repayment (optional).

Alimony, child support, or separate maintenance income need not be revealed unless you wish to have it considered as a basis of repaying this obligation.

Note: Proof of income may be required.

$

$

$

$

$

Yearly income

Alimony, child support, or separate maintenance income need not be revealed unless you wish to have it considered as a basis of repaying this obligation.

Note: Proof of income may be required.

$

$

$

$

$


What best describes your housing situation?

$

What's your rent or mortgage payment?


icon Adding a co-applicant

 
 

Co-Applicant Info

Name should exactly match driver's license or government-issued ID

 
 

Residential (no P.O. boxes)

First 5 digits required

XXX-XXX-XXXX

XXX-XXX-XXXX

Note: The phone number supplied may be used to leave a detailed message regarding your loan. If you are providing a mobile phone number, by submitting your application, you are providing consent to receive text messages on the mobile number provided.

 

 
 
 

 

An error occurred while accessing the database.

XXX-XX-XXXX

XXX-XX-XXXX

Proof of non-resident alien status and employment authorization will be required to complete the application.

Proof of resident alien status will be required to complete the application.

 
 
 

Where are you currently living?

An error occurred while accessing the database.

MM/DD/YYYY

MM/DD/YYYY

Mother's maiden name

We'll use it to verify your identity when you're checking your application status.


Employment & finances

Don't work for a company? Enter self-employed.

What most closely describes your occupation?

How long have you been at this job?

XXX-XXX-XXXX

Optional

Note: The phone number supplied may be used to leave a detailed message regarding your loan. If you are providing a mobile phone number, by submitting your application, you are providing consent to receive text messages on the mobile number provided.


About your income

We collect your individual income information to determine your individual ability to pay. Examples may include income earned from your employment such as salary, overtime or bonuses, retirement or pension and rental properties. Student loans, grants, scholarships and financial aid are not acceptable sources of income.

$

Other income

Any retirement income, pension, social security, or other supplemental income sources that you wish to have considered as a basis for repayment (optional).

Alimony, child support, or separate maintenance income need not be revealed unless you wish to have it considered as a basis of repaying this obligation.

Note: Proof of income may be required.

$

$

$

$

$


Yearly income

Alimony, child support, or separate maintenance income need not be revealed unless you wish to have it considered as a basis of repaying this obligation.

Note: Proof of income may be required.

$

$

$

$

$


If you have a promo code, enter it here.


icon Go paperless

Opt-in to receive your statements and documents online instead of receiving paper statements. An email notification will be sent when your statement is available. You can view and download your statements or change your paperless settings in Mobile or Online Banking.
 

Scroll to read the complete disclosure and then acknowledge by selecting I consent on this page.

By giving us your phone number and submitting this application, you acknowledge that:

  1. You've reviewed any special disclosure that applies in your state: ME, CA, NY, RI, OH, VT and WI residents
  2. All information you've submitted is true and correct and is given to obtain credit from us
  3. Co-applicant (if any) has authorized you to submit this application on his or her behalf.
  4. You and co-applicant (if any) are of legal contracting age.
  5. Credit approval, Annual Percentage Rate (APR), and credit terms are based on our review of each applicant’s application information and credit report.
  6. You understand we collect your individual income information to determine your individual ability to pay. Examples may include income earned from your employment (salary, overtime, bonus), retirement/pension benefits, and rental properties. Student loans are not acceptable sources of income. Alimony, child support, or separate maintenance income need not be revealed if you don't wish it to be considered as a basis for repayment.

You authorize Bank of America, N.A. to:

  1. Pull a credit report on you and co-applicant (if any) in order to make a credit decision.
  2. Use the information on this application and any other information we or our affiliates have about you to determine your ability to pay, as required by federal law.
  3. Verify, at our option and for your benefit, your application information.
  4. Contact you or receive a detailed message or messages at the telephone, email or direct mail contact data you provided above for purposes of fulfilling this inquiry about automobile loan financing even if you have previously registered on a Do No Call registry or requested Bank of America not to send marketing information to you by email and/or direct mail.

And you agree that Bank of America, N.A. may:

  1. Use automatic telephone dialing systems and prerecorded voice messages in connection with calls or texts made to any telephone number you provide even if the telephone number is assigned to a cellular/mobile telephone service or other service for which the called party is charged according to their normal text messaging rates.

Privacy

All financial institutions are required by federal law to obtain, verify and record information that identifies each customer before opening an account with us. When you open an account with us, we will ask you for your name, address and other information that will allow us to identify you, such as Social Security number and date of birth. In addition, if the account application is approved, do we have your permission to open your account prior to sending you a copy of our Bank of America US Consumer Privacy Notice, which will be sent with your customary account disclosures?

Information Sharing with Dealers

With your approval letter you will receive a unique approval code to provide to the selected dealership. By providing your approval code at an authorized dealership, we will provide your information to the dealership so that you can quickly and easily complete the financing process with Bank of America. You should be aware that, after providing your approval code, any modifications to your application at the dealership may result in another inquiry by us to one or more credit bureaus in order to process your credit request. Separately, the dealership has the ability to submit your application information to other lenders via their internal systems and, as a result, the dealership may obtain an additional copy of your credit bureau report. This is not necessary to complete financing with Bank of America and a dealership must gain your consent and request for credit before submitting your information to any other lenders.

About the carEdit

Condition

Make

Model

Trim

Year

VIN

Mileage

Condition

Make

Model

Trim

Year

VIN

Mileage


About your loanEdit

Loan amount

Term

Purchase Type


About youEdit

Name

Address

Time at this address

Home phone number

Email

Dual citizenship?

Country of citizenship

Country of dual citizenship

Citizenship status

Social Security number

Country of residence

Date of birth

Mother's maiden name

Bank of America employee (active or retired)

Employment status

Employer

Occupation

Time employed

Work number

Yearly income

Other income

Housing status

Monthly housing payment



About your co-applicantEdit

Name

Address

Home phone number

Email

Dual citizenship?

Country of citizenship

Country of dual citizenship

Citizenship status

Social Security number

Country of residence

Date of birth

Mother's maiden name

Employment status

Employer

Occupation

Time employed

Work number

Yearly income

Other income


Promo code


icon Paperless statements Edit

You will receive your statements and documents online instead of receiving paper statements.

Approved!

Congratulations, your auto loan request has been approved!

Your approved rates and terms

Loan Type:
Term:
APR:
Monthly Payment:
Your loan approval is good for 30 days!

Ready to visit an authorized dealer?

Find a dealer

Your saved items

Begin an application for your other saved products.

Return to your saved items

Loan Approval Terms & Conditions

Your loan approval is subject to the following conditions:

Your identity verification.

Satisfactory resolution of any of the following issues if they were raised in your credit report:

  • Information indicating potential fraud or misrepresentation
  • Information disclosed in the Application differs from information provided in the credit report
  • An identity theft alert
  • You have previously indicated a problem with your credit report

The following are not acceptable vehicles:

  • Commercial vehicles and/or vehicles for business use
  • Conversion or delivery, gray market, lemon law, salvaged, rebuild or branded title vehicles

The seller/registered owner must be the same person.

All titled vehicle owners must be borrowers.

Your approval is limited to the collateral listed on the approval page.

Powers-of-attorney are not accepted for private party transactions.

Applicants must be 18 or over (19 if you're in AL or NE) and either a U.S. citizen or a resident alien (permanent or non -permanent) to apply for a loan.

Why could my APR change?

  • The APRs, terms and monthly payments quoted here are based on the information you provided on your credit application and are subject to change if, among other things, the purchase type, loan amount or term differs from the original information you provided.
  • Please note that in order to receive a new car rate, your car must have never been titled, have fewer than 6,000 miles and not be older than the current calendar year.

Important next steps

Review your Credit Score Notice Disclosure and your Approval Letter.

One of our loan specialists will contact you to complete your loan before the end of the next business day.

If you would like help now, call us at

1.888.540.5730

Mon-Fri 8 a.m.-10 p.m.

Sat 8 a.m.-6:30 p.m. (all times ET)

Ready to visit an authorized dealer?

Find a dealer

Your Approval Code is .

Take this code to any of our authorized dealers so they can quickly retrieve your loan information and streamline your purchase.

Ready to visit an authorized dealer?

Find a dealer

Approved loan amount:

Purchase type:


Here are your rates and terms

Loan typeTermAPR

This approval is valid for 30 days.

The APRs, terms and monthly payments quoted here are based on the information you provided on your credit application and are subject to change if, among other things, the purchase type, loan amount or term differs from the original information you provided.

How are these rates calculated?

  • A loan fee may be required which would increase the APR
  • The calculation for the APR takes into consideration the cost of the loan spread over the term of the loan.
  • Your loan approval is subject to the following conditions:

    Your identity verification.

    Satisfactory resolution of any of the following issues if they were raised in your credit report:

    • Information indicating potential fraud or misrepresentation
    • Information disclosed in the Application differs from information provided in the credit report
    • An identity theft alert
    • You have previously indicated a problem with your credit report

    The following are not acceptable vehicles:

    • Commercial vehicles and/or vehicles for business use
    • Conversion or delivery, gray market, lemon law, salvaged, rebuild or branded title vehicles

    The seller/registered owner must be the same person.

    All titled vehicle owners must be borrowers.

    Your approval is limited to the collateral listed on the approval page.

    Powers-of-attorney are not accepted for private party transactions.

    Applicants must be 18 or over (19 if you're in AL or NE) and either a U.S. citizen or a resident alien (permanent or non -permanent) to apply for a loan.


Important next steps

Review your Credit Score Notice Disclosure.

One of our loan specialists will contact you to complete your loan before the end of the next business day.

If you would like to accept this offer now, call us at

1.888.540.5730

Mon-Fri 8 a.m.-10 p.m.

Sat 8 a.m.-6:30 p.m. (all times ET)

Ready to visit an authorized dealer?

Find a dealer

Do you want to decline this offer? For more information about our decision, please download and print the Adverse Action Letter.

Your saved items

Begin an application for your other saved products.

Return to your saved items

View the Adverse Action Letter to learn more about our decision. A copy of this will also be mailed to you within 30 days.

Return to Bank of America home page

View the Adverse Action Letter to learn more about our decision. A copy of this will also be mailed to you within 30 days.

Return to Bank of America home page

We will contact you with a decision before the end of the next business day.

For your protection, we won't ask you to email us any personal information. Thanks for choosing Bank of America.


Next Steps

One of our specialists will contact you to discuss the details of your loan request.

Return to Bank of America home page

Your saved items

Begin an application for your other saved products.

Return to your saved items

Know Before You Apply

You must be 18 or over (19 if you're in AL or NE) and either a U.S. citizen or a resident alien (permanent or non-permanent) to apply for a car loan.

Your minimum loan amount is $5,000 ($7,500 in MN and SC).

The car you're purchasing should:

  • Have fewer than 125,000 miles on it
  • Have a clean title (no salvaged, rebuilt or brand-titled cars)

And your car shouldn't be:

  • Valued at less than $6,000 (based on franchise dealer invoice for new vehicles or the wholesale value from an official used car value guide such as NADA for used vehicles)
  • More than 10 calendar years old
  • Commercial or used for commercial/business purposes
  • A grey market or Lemon Law car

If you are purchasing from a Dealer:

  • We can only make loans for cars purchased at franchise dealerships. Franchise dealers sell new and used cars for auto manufacturers such as Ford®, General Motors®, Chrysler®, Honda® and others.
  • Independent dealers are not affiliated with an auto manufacturer and may sell many different brands of vehicles. Bank of America does not finance vehicles purchased from independent dealers other than CarMax®, Hertz Car Sales®, Enterprise Car Sales and Carvana.

If you are purchasing from a private party: The seller(s) must be the same as the registered owner(s) listed on the vehicle title.

Where do we get these questions?

 
 
 
 
 


 
 
 
 
 


 
 
 
 
 


 
 
 
 
 


 
 
 
 
 

Not an Online Banking customer?

Applying is still easy. Continue as our guest.

Save your application now. Complete it later. We just need some additional information to make that happen. We'll send you friendly email reminders to continue your application before it expires.

No credit check will occur until the application is completed.

* required

 

MM/DD/YYYY

XXX-XX-XXXX

Next steps

Check your email for instructions on how to retrieve and complete your application. You can also visit the saved applications page to complete your application.

If you're already a Bank of America customer, you can also access your saved application when you log in.

Please note, rates and offers may change between now and when you complete your application. Any changes to your Bank of America Preferred Rewards Status could also impact your rates.

Return to Bank of America homepage

Apply online

Customers enrolled in Online Banking can sign in to apply online.

Apply online

Customers enrolled in Online Banking can sign in to apply online.

Or apply in person

If you’re not currently enrolled in Online Banking please visit a financial center or schedule an appointment to apply for your loan.

Or apply in person

If you’re not currently enrolled in Online Banking please visit a financial center or schedule an appointment to apply for your loan.

Before you leave...

Do you need more time? Save your application for this auto loan now. Complete it later.

You haven't answered all verification questions

If you skip the verification questions, we can't instantly verify your identity. It may take more time to process your application, and you may need to answer these or other questions later over the phone.

Are you sure you want to skip these verification questions?

If you skip the verification questions, we can't instantly verify your identity. It may take more time to process your application, and you may need to answer these or other questions later over the phone.

Previous page is no longer available

You'll have a chance to review and edit all of the information later in the application.

Previous page is no longer available

Information cannot be changed online once an application is submitted

Please wait...

icon

This may take a few moments to complete

Did you need more time?

For your protection, your application will time out in 15 minutes if there's no activity. Select Return to application to continue.

Return to application