Auto Loan Application

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

You or your business resides in a US territory which is outside our service area.

Get Started

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

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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.

What should I do if I've frozen my credit?

If you have frozen your credit report due to security concerns, you will need to temporarily unfreeze with all three credit bureaus (Equifax, TransUnion and Experian) to proceed with an auto application. Please refer to the instructions provided when you froze your report or contact the individual bureaus for more information.

Welcome Back,

Your saved loan application is ready for you to continue.

Do you have details about the car you want? *

It's okay to continue this application without any car information.

I have car information I don't have car information

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 ® , Enterprise Car Sales and Carvana.

Is it a Bank of America auto loan? * *

Yes. Maximum loan request cannot exceed payoff. To refinance less, you can pay down the balance before signing.
GAP, Credit Life and Accident & Health (A&H) Insurance coverage in the current loan are not transferable to the new loan.

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

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.

Purchasing from a private party?

All applicants must be Bank of America deposit (with a $500 minimum balance) or credit customers for at least six months to be eligible for an auto loan to purchase a vehicle from a private party (an individual seller).

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

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

Are you a Bank of America Online Banking customer?

Yes. Prefill and customize my application with my account information.

About the car

Is it a new or used car? *

Vehicle Identification Number

Vehicle Identification Number, or VIN

A 17 character unique identifier. Most passenger cars and trucks are assembled with the VIN plate attached to the dash or instrument panel.

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.

Cannot be greater than 125,000

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

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

VIN (not required) *

Vehicle Identification Number

Vehicle Identification Number, or VIN

A 17 character unique identifier. Most passenger cars and trucks are assembled with the VIN plate attached to the dash or instrument panel.

About your loan

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.
Our application allows you to select certain term lengths; you can discuss other term lengths that may be available with your loan officer after your application is submitted.

Loan amount * Enter only numeric digits including decimals. $

About you

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

Additional verification needed

For your protection, we may send an email verification request to your new or updated email address. This email includes a link to verify the email address. Completion of this verification step won't affect other account activities.

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

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.

First name *

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

Middle name Address number *

Residential (no P.O. boxes)

Street name * ZIP code * First 5 digits required

First 5 digits required

Home phone number * Home phone number *

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.

Email address * Email address

We need your email address to be able to send you information about your application status or contact you regarding your experience with the on-line process.

Re-enter email address *

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

First name *

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

Middle name Address number *

Residential (no P.O. boxes)

Street name * ZIP code * First 5 digits required

First 5 digits required

Time at this address * Home phone number * Home phone number *

Email address * Email address

We need your email address to be able to send you information about your application status or contact you regarding your experience with the on-line process.

Re-enter email address * Are you a US Citizen? * Additional Security

New federal anti-money laundering laws require us to verify every customer’s identity. That’s why we may ask you for personal information.

Country of citizenship * Updating your information

In order to change your Country of Citizenship, please visit us in a financial center. You can also start an application as a new customer.

An error occurred while accessing the database.

Citizenship status * Social Security number *

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.

Do you have a dual citizenship? * What is dual citizenship? Dual citizenship is when a person is regarded as a citizen of more than one country at a time. Country of Dual Citizenship * Country of residence *

Where are you currently living?

An error occurred while accessing the database.

Date of birth * Date of birth *

Mother's maiden name

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

Mother's maiden name * Confirm maiden name *

Employment & finances

I'm an active or retired Bank of America employee Employment status * Employer name * Business name * Occupation *

What most closely describes your occupation?

Time employed

How long have you been at this job?

Work number *

About your total gross annual 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. Total gross annual income is what you earn or can expect to earn in a year before taxes.

Total gross annual income (if you don’t have income, enter $0) * $

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.

If you include nontaxable income, increase that amount by 25%.

Note: Proof of income may be required.

Total gross annual income $ Income source Total gross annual income $ Income source Total gross annual income $ Income source Total gross annual income $ Income source Total gross annual income $ Income source

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.

If you include nontaxable income, increase that amount by 25%.

Note: Proof of income may be required.

What best describes your housing situation?

Monthly housing payment * $

What's your rent or mortgage payment?

Adding a co-applicant

Are you applying individually or jointly? * Individually

Co-Applicant Info

First name *

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

Middle name Is the co-applicant's address the same as the primary applicant? * Address number *

Residential (no P.O. boxes)

Street name * ZIP code * First 5 digits required

First 5 digits required

Time at this address * Home phone number * Home phone number *

Email address * Email address

This email address is where we will send your co-applicant instructions to consent to our terms & conditions, as well as updates about your application or account.

Re-enter email address * Are you a US Citizen? * Additional Security

New federal anti-money laundering laws require us to verify every customer’s identity. That’s why we may ask you for personal information.

Country of citizenship * Updating your information

In order to change your Country of Citizenship, please visit us in a financial center. You can also start an application as a new customer.

An error occurred while accessing the database.

Citizenship status * Social Security number * Social Security number *

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.

Date of birth * Date of birth *

Mother's maiden name

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

Mother's maiden name * Confirm maiden name *

Employment & finances

Employment status * Employer name * Business name * Occupation *

What most closely describes your occupation?

Time employed

How long have you been at this job?

Work number *

About your total gross annual income

Total gross annual income (if you don’t have income, enter $0) * $

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.

If you include nontaxable income, increase that amount by 25%.

Note: Proof of income may be required.

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.

If you include nontaxable income, increase that amount by 25%.

Note: Proof of income may be required.

If you have a promo code, enter it here.

Promo code

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.

Yes, I want to receive paperless auto loan statements and documents. I understand the Online Banking eCommunications Disclosure governs my consent to receive paperless communications regarding my account.

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Electronic Consumer Information consent

To receive the Consumer Information electronically, scroll to read the complete disclosure and then select I consent on this page.

As part of your online auto loan application, Bank of America, N.A., is required by law to provide you with certain Consumer Information. You have the right to receive the Consumer Information on paper. With your consent, we may provide the Consumer Information to you electronically instead. If you prefer to receive the Consumer Information on paper, you’ll need to visit any Bank of America banking center to apply in person.

Your consent only applies to this loan application and the documents listed here. You aren't required to consent to receive information electronically to complete this application. If you’d like to withdraw your consent after consenting to receive information electronically, or if after receiving electronic documents you would like paper copies, you may do so in the Application Status Center or contact us at 1.888.540.5730 and we will provide you with paper copies at no charge. You can also update your contact information with us by calling that same telephone number. Consent withdrawal won’t apply to any actions already taken or initiated in reliance on your consent.

Type of electronic Consumer Information you may receive:

Credit Score Notice, if your application is approved
Adverse Action Letter, if your application is declined
Any other information related to your application

System requirements

In order to properly access and retain your Consumer Information, you must have the following hardware and software (collectively known as system requirements):

An internet-enabled computer or mobile device with a supported browser listed here. For optimal viewing of the disclosures on a tablet, we recommend a screen size of 7.9 inches or larger.
An active email account
A printer or sufficient storage space to print or save Consumer Information

For documents in PDF format, you will need Adobe Reader. Go to www.adobe.com to download a free copy.

Supported browsers

Access from a personal computer:
For Windows 7 or higher we support Internet Explorer 11 and higher, Edge (Windows 10 and higher), Firefox 51 and higher, and Chrome 56 and higher.

For Mac OS 10.9 or higher we support Safari 10 and higher and Chrome 56 and higher.

Access from a mobile device:
Android 4.4 and higher with the default browser, Apple iOS 8 or higher with the default browser, Windows 10 or higher with the default browser.

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Electronic delivery and signature consent for Closing Documents

To consent to receiving and signing electronic Closing Documents, scroll to read the complete disclosure and then select I consent on this page.

If your loan application is approved, Bank of America, N.A., is required by law to provide you, in writing, the following documents related to your loan transaction:

Estimated Disclosure, Security Agreement and Terms and Conditions
Notice to Provide First Security Interest
Final Disclosure Truth-In-Lending

We collectively refer to these documents as the Closing Documents. You have the right to receive the Closing Documents on paper. With your consent, we may provide the Closing Documents to you electronically instead. Signing documents electronically could save you time since you won’t have to wait for the post office to deliver your documents. They’ll be posted online as soon as they are available for electronic signature.

Your consent only applies to this loan application and the documents listed here. You aren’t required to consent to receive information electronically to complete this application. If you'd like to withdraw your consent after consenting to receive information electronically, or if after receiving electronic documents you would like paper copies, you may do so in the Application Status Center or contact us at 1.888.540.5730 and we will provide you with paper copies at no charge. You can also update your contact information with us by calling that same telephone number. Consent withdrawal won’t apply to any actions already taken or initiated in reliance on your consent.

System requirements

In order to properly access and retain your Closing Documents, you must have the following hardware and software (collectively known as system requirements):

An internet-enabled computer or tablet with a supported browser listed here
An active email account
A printer or sufficient hard-drive or other storage space to print or save your documents

For documents in PDF format, you will need Adobe Reader. Go to www.adobe.com to download a free copy.

Please note: Do not use a mobile device (e.g., smartphone) to access your Closing Documents. At this time, the electronic signing process is only optimized for computers or tablets with a minimum screen size of 7.9 inches or larger.

Supported browsers

Access from a personal computer:
For Windows 7 or higher we support Internet Explorer 11 and higher, Edge (Windows 10 and higher), Firefox 51 and higher, and Chrome 56 and higher.

For Mac OS 10.9 or higher we support Safari 10 and higher and Chrome 56 and higher.

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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:

You've reviewed any special disclosure that applies in your state: ME, CA, NY, RI, OH, VT and WI residents
All information you've submitted is true and correct and is given to obtain credit from us
Co-applicant (if any) has authorized you to submit this application on his or her behalf.
You and co-applicant (if any) are of legal contracting age.
Credit approval, Annual Percentage Rate (APR), and credit terms are based on our review of each applicant’s application information and credit report.
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:

Pull a credit report on you and your co-applicant (if any) in order to make a credit decision. As part of this authorization, we may also obtain and use information about your accounts, such as checking and savings, that you have with us and others, from our own records, consumer reporting agencies and other entities.
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.
Verify, at our option and for your benefit, your application information.
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:

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.

Authorization for the Social Security Administration to Disclose Your Social Security Number Verification

You authorize the Social Security Administration (SSA) to verify and disclose to Bank of America through Early Warning Services, our service provider, for the purpose of this transaction whether the name, Social Security Number (SSN) and date of birth you have submitted matches information in SSA records. Your consent is for a one-time validation within the next 90 days. By checking the box, you are signing the consent for SSA to disclose your SSN Verification to Bank of America, and you agree that your electronic signature has the same legal meaning, validity and effect as your handwritten signature.

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 application information to the dealership so the dealer can quickly and easily complete the financing process at the dealership. 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.