New car loans

  • Finance up to 100% of new vehicles' value, plus tax, tags and warranty
  • Terms up to 84 months for loan requests beyond $15,000
  • Available for vehicles with fewer than 5,000 miles
  • Same day approvals in most cases

Used car loans

  • Finance up to 100% for vehicles up to seven years old (plus tax, tags and warranty) with terms up to 72 months
  • Terms up to 84 months available for loan requests beyond $15,000
  • Same day approvals in most cases

Refinance your existing car loan

  • Keep your car, lower your monthly payment
  • Flexible term options up to 84 months
  • Quick and easy loan applications
  • Same day approvals in most cases

SMART Auto Financing

  • Extend your term to lower monthly payments
  • $20,000 minimum amount to finance

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Find Your Car

  • Research: Select a model to get started. Search dealer inventories for your next car.
  • Finance: Find out what you can afford. Learn what your monthly payment would be. Get preapproved.

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AutoCalculator

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New Vehicle 72 Months

Company Compare Rate
Ardent
2.990
Bank of America
2.440
Wells Fargo Bank
3.890

Used Vehicle 72 Months

Company Compare Rate
Ardent
3.240
Bank of America
3.690
Wells Fargo Bank
6.870
PNC
3.640

Trading your car in?

Search out the value of your current car prior to going to the dealer.

Buying a pre-owned vehicle?

Search out the value of the car you are considering to make yours.

An informed shopper is a wise shopper. Be informed!

 

Find the retail value of your next vehicle

National Automobile Dealers Association


Find the trade-in value of your current vehicle

Kelley Blue Book

Product1 APR (As low as)2 Maximum term Monthly Cost
(per $1,000)
New Auto 2.74% 66 months $16.36
New Auto 2.99% 75 months $14.66
New Auto 3.99% 84 months ($15,000 minimum) $13.69
Used Auto (2007-2008) 2.99% 48 months $22.16
Used Auto (2009-2010) 2.99% 60 months $17.99
Used Auto 2011 3.24% 72 months $15.33
Used Auto (2012 or newer) 2.99% 66 months $16.47
Used Auto (2012 or newer) 3.24% 75 months $14.77
Used Auto (2015 or newer) 4.74% 84 months ($15,000 minimum) $14.04
Classic Auto 3.99% 60 months $18.45
SMART Auto 4.49% 10 years $10.38