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Valley National Bank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 21 November 2023
Fact checked

Valley National Bank auto loans overview

Valley National Bank logo

Valley National Bank began in 1927 and now boasts 200+ offices across several states. Whether you’re looking for new or used cars, Valley Bank’s auto loans can help you get in the driver’s seat. In addition, you may get discounted rates if you purchase a hybrid or electric vehicle.

Want to see what a Valley auto loan will cost? Try the Valley National 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 Valley National Bank auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: Undisclosed.
  • Loan terms: Undisclosed.
  • Loan fees: Undisclosed.
  • Discounts: Rate discounts on hybrid and electric vehicles.

VALLEY NATIONAL BANK AUTO LOAN OPTIONS

New and used auto loans

Valley Bank offers financing for pre-owned and new cars. Lease buyouts are available at the bank, too. However, the bank doesn’t disclose the APRs and terms online, so you can contact Valley to find out the loans you qualify for.

Valley National 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
Valley National Bank

Valley National Bank auto loan

Valley National 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 Valley National 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 Valley Bank auto loan

Eligibility criteria

Valley National Bank doesn’t disclose the criteria for vehicle loans, but you commonly need to be:

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

Though they vary in requirements, banks usually offer the best loans to borrowers with excellent credit profiles. So, ensure you check your credit score before applying. This will give you an idea about your eligibility.

What you’ll need to have ready

Personal details

When you apply for auto financing with Valley 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 Valley 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.

If you already have a car you want to finance, you may need to give more details. For example, the bank may ask for the vehicle’s year, make, and model. That said, prepare the necessary documents and information to make your application easier and quicker.

Ways to apply for a Valley Bank auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-522-4100

Additional Meriwest Credit Union auto loan details

  • Automatic payment: Available.
  • Rate discounts: Potential lower APRs for applicants in good credit standing.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, mobile banking, in a branch, and by mail.

Vehicle restrictions and limitations

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

PROS AND CONS

Pros

  • Available for new and used cars.
  • Lease buyouts offered.
  • Easy online application.
  • Co-applicants allowed.
  • Discounted rates on hybrid and electric vehicles.
  • Convenient payment options – online and mobile banking, in person, and by mail.
  • Multiple locations in different states.
  • Automatic payments available.

Cons

  • Undisclosed interest rates and terms.
  • Undisclosed loan fees.
  • Unspecified vehicle requirements.

FREQUENTLY ASKED QUESTIONS

Does Valley National Bank offer car loans?

Valley offers financing for new and used cars as well as lease buyouts.

What is the maximum term of a Valley vehicle loan?

Valley doesn’t disclose the auto loan terms, but they are usually up to 60 to 84 months.

Are there discounts available on Valley Bank car loans?

You may qualify for discounted rates on auto loans for new and used hybrid and electric vehicles

How do I pay my Valley National Bank car loan?

You can pay your loan through online and mobile banking, in a branch, and by mail.

Where can I apply for a Valley Bank auto loan?

You can apply online or by visiting a local branch.

How can I contact Valley Bank about my auto loan?

You can reach out to the bank at 800-522-4100.

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

Submitting a loan application will need a hard credit check, which will appear on your credit report. This will then decrease your score for a short period. But you can build your credit by consistently paying your loan.

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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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