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 | 6.49% | 6.916% | $14.84 |
| 2024 & 2023 | 72 months | 6.49% | 6.980% | $16.81 |
| 2022 & 2021 | 60 months | 6.74% | 7.321% | $19.68 |
| 2020 & 2019 | 54 months | 6.99% | 7.632% | $21.64 |
| 2018 & 2017 | 48 months | 7.24% | 7.958% | $24.06 |
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 | 7.49% | 8.430% | $31.10 |
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