Auto financing

Hit the the road with Auto Loans

Thanks to our streamlined and efficient application process, you'll be hitting the road in no time. We make it quick and easy for you to get started.

Get preapproved for a new or used car or truck

Whether you’re looking for a brand-new sports car or a hardworking used truck, it’s quick and easy to apply for auto financing. 

  • Competitive rates on new and used cars and trucks
  • Save 0.25% when you apply online
  • No application fees
  • Get preapproved before you visit the dealer
  • Pay your bill automatically from your checking or savings account

Refinance your car or truck loan

Are you paying too much for your car or truck? If you’re not happy with your auto loan, refinancing might help you find a loan with terms that work better for you. Depending on your situation, you may be able to:  

  • Lower your monthly payment. 
  • Reduce your interest rate. 
  • Pay your car or truck off faster. 

How auto financing works

1

Apply online

Answer a few simple questions and see what you qualify for.

2

Get preapproved

With your car loan preapproved, you know exactly how much you can afford.

3

Find your car

Take your preapproval to the dealership and select the car you want.

4

Close the deal

Drive off in your new car or truck, and enjoy the ride.

Car loan FAQs

In most cases, we can make a decision on your loan application in under 24 hours.  You will receive an email at the address you used in your application notifying you of the decision or you can check your application status online.

In some cases, we may need to ask you for more details, and then the process takes a little longer.

You’ll need to provide the following information on your car loan application: 

  • Name 
  • Social security number 
  • Physical and mailing address 
  • Employment information 
  • Gross monthly income 
  • Date of birth 

In some cases, we may ask for additional information after you submit your application.  

No, you don’t have to be a member to apply, but you do need to become a member if you want to take the loan. But don’t worry —it’s quick and easy to join Global.

When you apply for a loan, we ask if you’re already a Global member. If you’re not, just follow the instructions at the end of the application process to join.

In most cases, we can make a decision on your loan application in under 24 hours.  You will receive an email at the address you used in your application notifying you of the decision or you can check your application status online.

If your application is approved, your rate and terms are typically valid for 30 days after the decision date. If you don’t find a car within 30 days, just give us a call at 800-525-9094

If your loan is approved, we’ll give you the loan documents you need to take with you to the dealership. You’ll also need to take your driver’s license and proof of insurance with you. 

Effective January 2024, Standard American City Bank no longer finances collateral with branded titles.

While title brands vary by state, some of the most common brands include:

  • Salvage
  • Junk
  • Totaled
  • Lemon
  • Flood
  • Reconstructed