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Cadence Bank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 12 September 2023
Fact checked

A quick review of Cadence Bank auto loans

Cadence Bank logo

With over 400 branches, Cadence Bank is available across multiple states. The bank offers a selection of convenient and competitive services and financial solutions to a range of borrowers. Whether you’re financing or refinancing, you can choose from Cadence’s used or new car loans and recreational vehicle loans.

Want to see what a Cadence auto loan will cost? Try the Cadence Bank auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Cadence Bank auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: Unspecified.
  • Loan terms: Unspecified.
  • Loan fees: Undisclosed.
  • Discounts: Possible lower interest rates for borrowers with high credit scores.

Cadence Bank auto loan options

Used and new vehicle loans

Cadence Bank has financing and refinancing auto loan options available to borrowers. You can choose from pre-owned and new vehicles, but you need to go to a branch to find out the rates you may qualify for. To apply for auto financing, you can visit one of the bank’s branches near you.

Recreational vehicle loans

Cadence also offers loans tailored for new and used RVs and boats. You can contact Cadence Bank or visit a local branch to know your options.

Cadence Bank auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Cadence Bank

Cadence Bank auto loan

Cadence Bank auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Cadence Bank auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Cadence Bank auto loan

Eligibility criteria

While Cadence doesn’t indicate the requirements, you typically need to:

  • Be at least 18 years old or legal to contract auto loans
  • Be a U.S. citizen or permanent resident
  • Demonstrate a steady source of income

Since there aren’t online applications available through Cadence Bank, it’s a good idea to check your credit score before applying. This will give you an idea of your financial standing and areas of improvement. Keep in mind that borrowers with high credit scores tend to qualify for favorable rates, terms, and overall loans.

What you’ll need to have ready:

When you apply for auto financing with Cadence Bank, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide Cadence with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Consider preparing additional information on the vehicle, too. For instance, Cadence Bank may ask about the vehicle’s make, model, and year. Thinking ahead can help your car loan application go smoother and faster.

Ways to apply for a Cadence Bank auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 888-797-7711

Additional Cadence Bank auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but banks may take 1 business day to a few weeks to approve auto loans.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, in person, and by mail.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

Pros and cons

Pros

  • Available in multiple states.
  • Over 400 branches in different states.
  • Potential lower rates for customers with higher credit scores, saving them more over the life of the loan.
  • Choices for vehicles – new and used cars, RVs, and boats.
  • Financing and refinancing options.
  • Different payment methods – online banking, mobile app, in a branch, and by mail.

Cons

  • Annual Percentage Rate (APR) and loan terms are undisclosed online.
  • Low credit scores may result in high rates.
  • Lack of online application.
  • Limited information online.
  • Vehicle requirements are unspecified.

Frequently asked questions

Can I apply for Cadence Bank vehicle finance online?

No. You can only apply for a car loan by visiting a Cadance branch near you. To schedule a visit, you can make an appointment through the bank’s website.

What information do I need to provide when applying for a Cadence vehicle finance?

Though Cadence Bank doesn’t specify the requirements you need, you usually must provide your personal and contact details. You may also need to prepare your Social Security or taxpayer ID number, verifiable income history, and information on the vehicle.

Will applying for a car loan with Cadence Bank affect my credit score?

Since the bank needs to make a hard credit check when you apply, it will appear on your credit report. In turn, this can temporarily knock down your credit score by a few points. But to boost your credit, ensure you meet your monthly payments.

How much do I qualify for with a Cadence auto loan?

Cadence Bank doesn’t indicate exactly how much you can borrow on their website. However, in general, borrowers in good credit standing secure more favorable loans. So, the higher your credit score, the more you can potentially borrow.

What is the maximum term of a Cadence auto loan?

Typically, you can pay a car loan up to 72 or 84 months depending on the bank. To know your loan terms, you can visit a Cadence Bank branch to check your options and avail yourself of the bank’s service.

Does Cadence Bank refinance car loans?

Yes. You can refinance your car loan through Cadence. You need to go to one of the bank’s branches to complete your application through a relationship manager at the bank.

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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