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BMO Harris Bank Auto Loans

111 W. Monroe St., Chicago, IL, 60603, USA
(800) 546-6101


BMO Harris Bank offers auto loan rates that vary by state, with terms up to 72 months. Through the website, customers can take advantage of the many auto loan calculators available, designed to help them in purchasing a new or used car. The website also offers BMO Harris Express Loan Pay, through which customers can easily pay their auto loans online. Applications can be made by phone, online or in branches in select states.

Credit Bureau Reporting
Loan Amount$5K - $30K
Payment Options:
Automatic Payments
Check by mail
Credit/Debit Card
APR:4.80% - 7.11%
Min APR:4.80%
Max Loan Term (Months)72
Checking Account Required?
Lend To Military?
Immigration Status Considered:U.S. Permanent Resident
Minimum Age:18
Verification Documents Required:
Recent pay stubs
Driver license (or other photo ID)
Proof of citizenship/residence
Customizable Payment Dates
Joint Loans Available
No Origination Fee
Pre-Approved Soft Credit Inquiry
Approval Speed (Hours)48
Deferred Payments
No Late Fees
No Prepayment Fee
1-7 days
Same Day
2-4 weeks
Application Fee
Lease Purchase
Institution TypeBank
New Loan
Used Car Loan is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...



January 30, 2015

Harris Bank is extremely difficult to deal with! I can't make a payment online because they haven't sent me a PIN. But I also cant pay over the phone because my cell does not work with their system. I don't have a payment booklet, so I wrote a check and found out way after that it was not properly applied. Very frustrating.


December 01, 2014

This bank REALLY dropped the ball. I paid off the loan months ago and they haven't sent me to title yet. I have recently moved to a new state and now have to pay various fees because I can't properly register the car without the title. I called Harris and they were not helpful in the situation, essentially blaming me for the trouble.


November 24, 2014

I have found that Harris Bank is not customer oriented. Meaning, they do not care about making their customers happy. For whatever reason, they will not allow us to drive our car internationally even though we have already bought coverage for it. We are now unsure what to do because we really can't push our vacation back anymore…


November 03, 2014

The fees Harris Bank charges are almost unbelievable. On top of the high, high interest rates, they charge crazy fees to make payments online. It's insane to think that they can't even give their customers a break when they are already paying all this money in interest. Unfair company. I will not get loans from them anymore.


May 01, 2014

I have never paid such a high fee to make an online payment! Really, that much for a ‘convenience fee'? I pay ALL of my bills online and have never encountered anything so ridiculous. My advice to Harris Bank would be to offer a FREE bill pay service to your paying, loyal customers.


February 04, 2014

How can a bank get away with charging such high fees to people who don't bank with them? Why do they even offer loans to non-bankers if they are going to place monstrous fees on online payments? If you bank with them, I'm sure this is not a problem for you. But I don't, so I have the pay the fee every month.


August 23, 2013

Harris Bank literally lost my check and then made me pay to cancel that check and issue a new one. How is it MY fault if you lose my payment? Then, their only fix was to cancel the check with my bank, which incurred a bank fee. Then I had to go through it all just to issue another check. Never again.

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