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Prosperity Bank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 18 October 2023
Fact checked

Prosperity Bank auto loans overview

Prosperity Bank logo

Founded in 1983, Prosperity Bank provides flexible vehicle financing options with a variety of terms to residents of Texas and Oklahoma. You can quickly secure pre-owned and new auto loans. Plus, you can refinance your existing loan from another lender to take advantage of Prosperity’s offers.

Want to see what a Prosperity auto loan will cost? Try the Prosperity 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 Meriwest Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: Undisclosed.
  • Loan terms: Undisclosed.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

PROSPERITY BANK AUTO LOAN OPTIONS

New and used auto loans

Prosperity Bank offers quick loans and refinancing options for new and used vehicles. However, the bank doesn’t disclose the annual percentage rates (APR) online. To find out the rates and terms you qualify for, you can get in touch with Prosperity.

Prosperity 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
Prosperity Bancshares

Prosperity Bancshares auto loan

Prosperity Bancshares 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 Prosperity Bancshares 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 Prosperity Bank auto loan

Eligibility criteria

Even if Prosperity doesn’t disclose the requirements, you commonly need to meet the following:

  • At least 18 years old
  • A legal resident
  • Employed or have a reliable source of income

Besides meeting the basic criteria for auto financing, check your credit score and your debt-to-income ratio (DTI), too. An excellent credit profile and a low DTI ratio can help you qualify for lower rates and better terms. Plus, these may help you secure credit easier.

What you’ll need to have ready

Personal details

When you apply for auto financing with Prosperity 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

Documents

You may need to provide Prosperity 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.

Because the bank doesn’t disclose much information on auto loans, try to ask about the loan fees. Knowing the overall cost of your loan will help you compare other options and consider the whole picture. In turn, you can find the one that will save you more.

Ways to apply for a Prosperity Bank auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-800-531-1401

Additional Prosperity auto loan details

  • Automatic payment: Available.
  • Rate discounts: Undisclosed.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, mobile app, over the phone, and by mail.

Vehicle restrictions and limitations

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

PROS AND CONS

Pros

  • Quick auto loan approval.
  • Purchasing and refinancing available.
  • Automatic payments available.
  • Convenient online application.
  • Easy payment options – online banking, mobile app, over the phone, and by mail.
  • Refinancing is open to non-Prosperity Bank auto loans.
  • Available to new and used autos.

Cons

  • Undisclosed loan rates and terms.
  • Only available to Texas and Oklahoma residents.
  • Unspecified loan fees.

FREQUENTLY ASKED QUESTIONS

What are the current car loan rates at Prosperity Bank?

Prosperity doesn’t disclose the auto loan rates online. But you can reach out to the bank to know the interest rates you qualify for.

Does Prosperity Bank refinance auto loans?

Yes. You can transfer your existing auto loan from another financial institution to Prosperity Bank.

How do I pay my Prosperity Bank auto loan?

There are different payment methods available – online banking, mobile app, autopay, over the phone, and by mail.

Where can I apply for a Prosperity vehicle loan?

You can apply for a car loan online, over the phone, or by visiting a Prosperity branch.

What information do I need to provide when applying for a Prosperity auto loan?

Other than your personal and contact information, Prosperity will ask for your current form of identification and a selfie.

Are the auto loans available in all 50 states?

Prosperity Bank offers vehicle financing to residents of Texas and Oklahoma.

Will applying for an auto loan with Prosperity affect my credit score?

A formal application means the bank needs to do a hard credit check. Since this will appear on your credit report, it will temporarily lower your score by a few points. To build your credit back, ensure you consistently meet your monthly loan payments.

Video: Prosperity Bank – Loans & great customer service

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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