New & Used Auto Loans
Purchase a new or used vehicle with Arbor Financial’s auto loans. Shift your life into overdrive with competitive rates, a fast approval system, and low closing costs. We want to put you in the driver’s seat.
- Personal
- Checking & Savings
- Checking
- Free CheckingNo minimum balance or service fees.
- Momentum CheckingEarn up to 4.00% APY on balances up to $15,000 when you use your debit card.
- Premier CheckingSizable dividends and easy access.
- Select Checking Earn 3.50% APY on balances of $250,000 and greater.
- Volt BankingDesigned for young adults (age 19-24). Offering reduced fees.
- Savings
- Youth & Teen
- Deposit Rates
- Services
- Mobile & Online BankingBank anytime. Bank anywhere.
- Video TutorialsLearn all the features and functions that mobile and online banking offers.
- Direct Deposit with Early PayDirect deposits up to 5 days sooner.
- Digital WalletTap to pay with your phone.
- TellerPhone 24Manage your accounts anytime, without going online.
- Debit & ATM Cards
- ATM Locator
- ID Protect
- Checking
- Home Loans
- Credit Cards
- Loans
- Auto
- Auto Loan OverviewLow rates and fast approvals put you in the driver's seat.
- New & Used Auto LoansWhether it's a new car or used one we have financing options for you.
- Refinance Auto LoansRefinancing can be a great financial move by lowering your auto payment or shortening the term of your loan.
- Motorcycle LoansTake on the open road with two wheels and low rates for all types of motorcycles.
- Loan ProtectionProtect your assets. Insure your loans. Ease your mind.
- RV & Boat
- Home Equity Loans
- Personal Loans
- Skip a Payment
- Calculate a Payment
- Rates
- Auto
- Services
- Digital Banking Tools
- Mobile & Online Banking Bank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital Wallet Leave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- TellerPhone 24With TellerPhone 24, you can manage your accounts anytime, without going online.
- Video Tutorials Learn all the features and functions that mobile and online banking offers.
- Insurance
- Title Services
- Extended Vehicle Warranty
- Skip a Payment
- Rates
- Calculators
- Help Center
- Card Help Center Have questions about your debit or credit card? We can help!
- Security Center Learn what to do if you suspect fraud, view fraud prevention tips and common scams in the area.
- Mortgage Help Center Have mortgage questions? We can help!
- Identity Theft Protection Get peace of mind with our 24/7 protection through ID protect and Total Identity Monitoring.
- Learn
- Digital Banking Tools
- Wealth Management
- Wealth Management
- Retirement Planning & Investments Discover savings and investment options to plan for your golden years.
- Savings Get financially fit by adding power to your portfolio.
- Education Funding Explore different options to finance college tuition and more.
- Financial Advisor Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor.
- Wealth Management
- Checking & Savings
- Business
- About Arbor
- Personal
- Checking & Savings
- Checking
- Free CheckingNo minimum balance or service fees.
- Momentum CheckingEarn up to 4.00% APY on balances up to $15,000 when you use your debit card.
- Premier CheckingSizable dividends and easy access.
- Select Checking Earn 3.50% APY on balances of $250,000 and greater.
- Volt BankingDesigned for young adults (age 19-24). Offering reduced fees.
- Savings
- Youth & Teen
- Deposit Rates
- Services
- Mobile & Online BankingBank anytime. Bank anywhere.
- Video TutorialsLearn all the features and functions that mobile and online banking offers.
- Direct Deposit with Early PayDirect deposits up to 5 days sooner.
- Digital WalletTap to pay with your phone.
- TellerPhone 24Manage your accounts anytime, without going online.
- Debit & ATM Cards
- ATM Locator
- ID Protect
- Checking
- Home Loans
- Credit Cards
- Loans
- Auto
- Auto Loan OverviewLow rates and fast approvals put you in the driver's seat.
- New & Used Auto LoansWhether it's a new car or used one we have financing options for you.
- Refinance Auto LoansRefinancing can be a great financial move by lowering your auto payment or shortening the term of your loan.
- Motorcycle LoansTake on the open road with two wheels and low rates for all types of motorcycles.
- Loan ProtectionProtect your assets. Insure your loans. Ease your mind.
- RV & Boat
- Home Equity Loans
- Personal Loans
- Skip a Payment
- Calculate a Payment
- Rates
- Auto
- Services
- Digital Banking Tools
- Mobile & Online Banking Bank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital Wallet Leave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- TellerPhone 24With TellerPhone 24, you can manage your accounts anytime, without going online.
- Video Tutorials Learn all the features and functions that mobile and online banking offers.
- Insurance
- Title Services
- Extended Vehicle Warranty
- Skip a Payment
- Rates
- Calculators
- Help Center
- Card Help Center Have questions about your debit or credit card? We can help!
- Security Center Learn what to do if you suspect fraud, view fraud prevention tips and common scams in the area.
- Mortgage Help Center Have mortgage questions? We can help!
- Identity Theft Protection Get peace of mind with our 24/7 protection through ID protect and Total Identity Monitoring.
- Learn
- Digital Banking Tools
- Wealth Management
- Wealth Management
- Retirement Planning & Investments Discover savings and investment options to plan for your golden years.
- Savings Get financially fit by adding power to your portfolio.
- Education Funding Explore different options to finance college tuition and more.
- Financial Advisor Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor.
- Wealth Management
- Checking & Savings
- Business
- About Arbor
Auto Loan Rates as Low as 5.99% APR*
Get More Freedom
It is Michigan, after all — given our automotive history, we take pride in what we drive. So, let's get ready to roll out of the dealership in a great new or used vehicle. We have the perfect financing options whether you want a luxury sedan, an SUV, or a motorcycle.
Stop in, call us at 269.488.5945, or apply online and have an answer within minutes! Plus, with 90 days of no payments**, you'll be on the road before your first payment is due.
Protect & Insure to Get More Peace of Mind
While the last thing you want to think about is the total loss on a vehicle, it's important to be prepared for whatever life may throw your way. A few dollars invested in an Arbor Financial Loan Protection Policy covers repairs and loans that need to be repaid.
Guaranteed Auto Protection (GAP). If your vehicle is stolen or damaged and deemed a total loss, you will be responsible to pay the difference between what you owe and what your insurance company says your vehicle is worth. GAP can help cover the difference, potentially saving you thousands of dollars.
Extended Vehicle Warranty Protection. This protects against the high cost of major repairs with various levels of protection to choose from. Enjoy transferable plans, a zero deductible, nationwide coverage, and Emergency Roadside Service throughout the life of the contract. Our members saved a total of $191,101 in mechanical repairs in 2022 alone!***
Here's what should drive you to Arbor Financial for your auto loan:
Low rates starting at 5.99% APR*
Low closing costs
Extended repayment terms available
Up to 100% financing means no down payment
Loan pre-approval process lets you focus on vehicles at the dealership
Apply by phone 24x7 at 269.488.5945 and get an answer within minutes
Low-cost extended warranties and payment protection options available
Skip Pay options allows you the option of not making up to two months of loan payments each year
*Annual Percentage Rate (APR). Additional rates and terms are available. The rate you receive will be determined by your credit score at the time of application and the term of your loan. Loan subject to credit approval.
Why Choose Arbor?
"Working with Arbor was the easiest process I have had in regards to a car loan. Thank you for such a smooth process and recommendations on how to best position myself for future business."
- Joel P
I'm ready to get started.
it’s time to get rolling in a new car, let Arbor Financial be your co-pilot. We’ll get you the vehicle loan you need, and additional protection if you want it.
Contact our lending specialists to discuss options at 269.488.5945 available 24/7.
Contact our lending specialists to discuss options at 269.488.5945 available 24/7.
Information and interactive calculators are available as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
+Annual Percentage Rate (APR). Rate effective 9/13/24 for a limited time. Rate may vary depending on credit history and underwriting factors. Subject to credit approval. Program, rate, terms and conditions subject to change without notice.
** Qualifying borrowers may be eligible to defer their first payment for up to 90-days, dependent upon credit score and when the loan closes. Interest accrues from the date of loan disbursement and is calculated on the first payment(s) applied. Payment deferrals are not eligible for existing Arbor loans. Programs, rates, terms, and conditions are subject to change without notice—membership required.
*** Based on actual savings reported by Route 66 Extended Warranty.