Commerce Bank
Commerce Bank — auto loan refinancing with flexible terms.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Commerce Bank does not publish this on their public site. "No restriction" means Commerce Bank explicitly states no limit.
Overview
Commerce Bank has a dedicated auto loan refinance page offering flexible terms. Rates depend on your ZIP code, and it offers a 0.25% discount for automatic payment from a Commerce checking or savings account. It says it reviews your credit history, ability to repay, and the value of your vehicle.
What’s great
- Dedicated auto refinance product
- 0.25% autopay discount
What to know
- Rates require a ZIP code and aren't shown here
- Higher rates may apply for older vehicles
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | Not disclosed |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Not disclosed |
| States served | Not disclosed |
| Membership requirement | Not disclosed |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Commerce Bank's own published materials. Rates, eligibility, and terms can change — verify directly with Commerce Bank before applying.
- [1]Auto Loan Refinance — Commerce Bankhttps://www.commercebank.com/personal/borrow/vehicle-loans/auto-loan-refinanceLast checked: October 2026
- [2]Auto Loan Rates — Commerce Bankhttps://www.commercebank.com/personal/borrow/vehicle-loans/auto-loan-ratesLast checked: October 2026