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Vehicle Loans

We make it easy with pre-approval, simple application, great rates and approvals as fast as 24 hours.

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Buying new, used or refinancing? We’ll simplify the process.

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Get ready to hit the trails—or make waves.

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New carWhat is a vehicle loan?

When you take out a vehicle loan from a financial institution, you receive a lump sum of money that you repay over time (plus interest). Our vehicle loans enable you to purchase the vehicle you need whether that's a new or used car, a recreational vehicle, or refinancing an existing loan. 

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With a Midland States Bank vehicle loan, you'll get:

Approval before visiting the lot

Skip the sales pressure. Get pre-approved for your vehicle loan before you leave your home. That ensures you get the lowest interest rate possible and a loan that fits your needs.


Quick access to funds

Your time is valuable. Complete an auto loan application with us now. You'll get a speedy response so you can drive off in your newly purchased car with confidence.

No prepayment penalty

Want to pay off your loan faster? There's no prepayment penalty with your loan. We're happy to make the entire process seamless. It's your vehicle loan, and you're in control.


Set up automatic payments

Don’t think about your vehicle loan every month. Set-up automatic payments. 

Manage your account online

Super easy, check in when you want or need to, and don't worry about a thing. Managing your loan online is simplistic and designed to keep you in control.


Simple and convenient application

Enjoy the convenience of applying for a vehicle through our online account opening system. Begin an application today.

New AggrementOur Approval Process

Approval is easy - you'll be on the road in no time. If you're looking for a car loan, pre-approval is your first step. Do this before you even visit the dealership so you're in charge of the transaction.

1. Set-up an appointment to apply at one of our local branches or begin your application online.

2. Take our offer to the bank - or rather the dealership - to drive off the lot with the car you want. It's that easy.

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About Midland States Bank

Midland States Bank is the partner you need as you accomplish your goals. We work hard so you don' t have too and pride ourself on going the extra mile. We're the local community bank that's cheering on the football team and knows your name.


You need to know what you can afford before you’re sold a car that’s not a good fit for your budget. Pre-approval gives you the info you need before heading to the dealership.

It can be if you’re over paying now. Want to know if you are? Stop in to speak to our reps about a new or used vehicle loan. We’ll break it all down for you so you can make the best decision for your needs.

Yes, please apply with us. And, ask us about getting an even lower interest rate if you set-up automatic payments from a Midland consumer checking account. We’re all about spoiling our customers and providing affordable vehicle loans. 

We provide loans for recreational vehicles like motor homes. Or for a fifth wheel trailer, that side-by-side ATV you’ve thought about, or even a motorcycle. We’re flexible like that.

Applying for a loan online is simple and convenient.  Visit our online application to get started or visit our online personal loan FAQ page for further detailed information. 

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How To Get Started

Start your application online for a Midland States Bank Vehicle Loan and receive a financing decision as fast as 24 business hours! Prefer an in-person touch? We’re here to help. Schedule an appointment at a branch near you.

Credit score will be affected if Midland States Bank needs to run credit for loan approval.


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