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Auto Loans

Our auto loan application process is simple and easy. Quick decisions will have you hitting the road in no time.


Ride off into the sunset with your dream car.

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Competitive rates

We offer competitive, fixed rates for auto loans so your dream car can fit into your budget. 

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No prepayment penalties

You won't be charged a fee if you pay off your loan early.

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Fast decisions

Filling out the application is simple and you'll receive a loan decision response shortly.

Get on the road with a competitive auto loan rate.

If you’re looking to purchase a new or used car or want to refinance your current car loan, we are ready to work with you on creating a solution that meets your needs. Our dedicated team will be with you every step of the way to ensure you’re not only getting a great auto loan rate, but also the right plan for your lifestyle.

Need more help figuring how to finance your next auto purchase? Explore our collection of auto finance calculators.

  • Loans up to 110% of car value for qualified clients
  • Flexible terms available on new and used vehicles
  • Competitive, fixed rates
  • Additional rate discounts may apply. Consult a banker for details.

Here’s what you need to apply

  • Be 18 years or older.
  • Be a U.S. citizen, permanent resident alien, or non-permanent resident alien.
  • Available for consumer borrowers only. Other restrictions and underwriting conditions may apply.
  • Vehicle must be titled in the states of AZ, CA, FL, IN, MI, NJ, NY, OH, or WI.

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Choose a credit card with the perks you want, like cash back, rewards, bonuses, and more.

$100 origination fee.


Flagstar Vehicle Loan is a fixed-rate loan with varied repayment terms dependent upon loan type. Actual annual percentage rate (APR) calculation will vary based on borrower credit qualification, rates in effect at the time of consummation, loan amount, and other factors and may be higher than the lowest rate/APR available. Interest rate discount of 0.25% available with monthly automatic payment (ACH) established and elected at the time of application, to be paid from a borrower's Flagstar Bank Deposit Account. Current APR is subject to change prior to consummation. A processing fee of $100 is required and may be deducted from loan proceeds. Borrower will make monthly principal and interest payments. Not a commitment to lend. Programs available only to qualified borrowers. Subject to credit approval, underwriting approval, and lender terms and conditions. Rates and programs subject to change without notice. Some restrictions may apply.