Auto Loans

You have a need. We have a loan.

Whether you're looking for new or used, we're here to help.

With our new or used auto and light truck loans, you'll be on your way. Whether it's time for your first car, a new van for your growing family or that long awaited "empty-nester" convertible, we can guide you every step of the way. Midland can put that new vehicle within your reach with competitive rates as well as down payment and monthly payment options. With same day credit approval, we can have you cruising in no time.

Benefits of a Midland Auto Loan

Save time and get more purchasing power by getting pre-approved for your next car or truck purchase.

You'll get a response fast, because we pride ourselves in getting you approved within the same business day.

We offer low rates and flexible terms to fit your financial needs, and even lower rates with automatic payments.

If rates are low and you are close to buying a vehicle, take advantage of our free 30-day rate lock.

Managing your loan is so easy by viewing transactions, history and balance online – anytime you want.

Take the next step.

Step 1: Research

Do your homework, so you know what make/model you want and can afford. Review web sites such as to learn more about the vehicle(s) you are interested in, which will help you when you are making an offer.

Step 2: Get pre-approved

Apply for your new or used auto loan at your nearest Midland States Bank branch.

Step 3: Get a decision

We'll get back to you fast! In most cases, you'll get a decision within the same business day.

Step 4: Shop with confidence

Check in hand, you can now negotiate for the best price and feel confident that you have purchased a vehicle you can afford.

Want to lower your car loan rate? Consider refinancing.

It pays to refinance. That's right – depending on your current rate, you may be able to save hundreds of dollars per year by simply refinancing to a lower rate. The process is easy and it doesn't cost a penny to talk to us to see how much you could save with our FREE Auto Refinance Quote.

Summer Loan Sale. Special low rates for new, used and refinanced things to get you moving.

Get answers and get started.

Call us.

Still have questions?

When you have a question, we're just a phone call away. Our Customer Care Specialists are available to answer your account questions quickly by calling us at 1-855-MY-MIDLAND.

Visit a location.

Find your nearest location.

Our full-service Banking Centers are available for your daily transactions, but also available for those special inquiries to discuss your everyday banking, financing or wealth building needs. Find a location

Loans subject to credit approval.

Financing is for well-qualified borrowers and not all borrowers will qualify. Program available for individuals “consumers” only. Offer subject to change at any time and without notice. $90 loan closing costs can be financed or paid at the time of loan closing, whichever you prefer. 2.29% and 3.75% Annual Percentage Rates (APR) requires an automatic debit of your loan payment from a Midland States Bank checking account during the life of the loan. Title, tax and license are extra. Rates vary based on length of term, age of item purchased, loan to value and your credit history. Rates and terms are subject to change without notice. Rates as of 8/11/2015. 2.29% APR is for 2014 – 2016 automobiles, 740 minimum FICO score and a 36 – 60 month term. APR: 36 months at $28.77; 48 months at $21.82; 60 months at $17.66, per $1,000 financed. 3.75% APR is for 2014 – 2016 motorcycles, boats, ATVs and RVs, 740 minimum FICO score and 36 – 60 month term. APR: 36 months at $29.41; 48 months at $22.47; 60 months at $18.31, per $1,000 financed.