Bank of America auto loan review

Direct dealer-purchase financing with published sample rates that vary by location.

Independent score

3.9

out of 5.0

Institution data

At a glance

Loan amount: Not publicly disclosed – Not publicly disclosed
Advertised APR: 5.39% – Not publicly disclosed
Terms: 48, 60, 72 months
Minimum credit: Not publicly disclosed

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Rating file

Score breakdown

0–5 scale

Cost and rates4.1

Transparency4.4

Flexibility3.1

Accessibility3.8

Application experience4.0

Editorial assessment

Where this lender stands out—and where it does not.

Strengths

Pros

Published sample pricing
30-day rate lock
Relationship discount may apply

Trade-offs

Cons

Dealer purchases only in this product
No refinance or lease buyout

Who may want to consider it

This profile may be useful to shoppers comparing New purchase, Used purchase options. The reviewed strengths include published sample pricing; 30-day rate lock; relationship discount may apply.

A strong site score is not a personal recommendation. Compare the same loan amount and term with at least one other written offer.

What to verify before applying

Dealer purchases only in this product
No refinance or lease buyout
Confirm the final APR, finance charge, required discounts, vehicle eligibility, fees, and expiration date in writing.

Evidence record

Sources and disclosures

01 cited records

01Bank of America Auto Loan RatesRetrieved 2026-07-22