Introduction

At Mechanics Bank, we’re driven to help (pun fully intended). That’s why we want to help you finance the car you need, whether it’s a shiny hot rod or a safe minivan. We’ll work together to discuss the best auto loan option for you. Buckle up, because you’re in for a delightful ride.

Auto Loan Rates
(2025–2017)

Key features:

No down payment required

No prepayment penalty

Additional Content:

Vehicle Year Maximum Term Rate* APR** Monthly Payment per $1,000
2025 84 months 6.99% 7.419% $15.09
2024 & 2023 72 months 6.99% 7.483% $17.04
2022 & 2021 60 months 7.24% 7.824% $19.91
2020 & 2019 54 months 7.49% 8.135% $21.87
2018 & 2017 48 months 7.74% 8.461% $24.29

Disclosures:

* Subject to credit approval. Additional terms and conditions apply. Rates & terms are subject to change at any time without notice.

Origination Fee: $275

*All rates are subject to an automatic transfer of monthly payments from a Mechanics Bank account. Add 0.25% to rates for payments not automatically transferred.

§ **Annual Percentage Rate. APR based on $20,000 loan amount.

Downloads:

Auto Loan Rates
(2016–2006)

Key features:

10% down payment required

No prepayment penalty

Additional Content:

Maximum Term Rate* APR** Monthly Payment per $1,000
36 months 7.99% 8.933% $31.33

 

Disclosures:

Subject to credit approval. Additional terms and conditions apply. Rates & terms are subject to change at any time without notice.

Origination Fee: $275

*All rates are subject to an automatic transfer of monthly payments from a Mechanics Bank account. Add 0.25% to rates for payments not automatically transferred.

**Annual Percentage Rate. APR based on $20,000 loan amount.

Downloads:

Borrow our experts’ advice.

Call or visit the most convenient banking office to discuss your financing needs.

Or email us