Auto Loans
Fifth Third auto loans: dealer financing, refinancing and rate discounts
Fifth Third Bank finances new and used cars through participating dealers and refinances car loans; it mainly suits drivers who bank with Fifth Third or buy from those dealers.
To buy a car, Fifth Third tells you to ask your dealership whether it takes part in its lending program.
When we checked on September 30, 2026, Fifth Third's auto loan page did not publish APRs, term lengths, loan amounts or fees. It did list two 0.25% rate discounts: one for automatic payments from a Fifth Third checking account, and one for refinancing an auto loan from another lender.
This is an independent guide. We are not a lender, we do not take applications, and this is not financial advice: Fifth Third decides whether you are approved and what rate you get, and all its loans are subject to credit review and approval.
At a glance
- Lender
- Fifth Third Bank, National Association, Member FDIC
- How purchase loans work
- Through a dealership that participates in Fifth Third's lending program
- APR, terms and amounts
- Not verified: not published on Fifth Third's auto loan page (checked September 30, 2026)
- Rate discounts
- 0.25% for automatic payments from Fifth Third checking; 0.25% for refinancing a non-Fifth Third auto loan (checked September 30, 2026)
- Interest method
- Daily simple interest
What you'll learn
- How buying through a participating dealer differs from refinancing with Fifth Third
- What the two 0.25% discounts require
- How daily simple interest makes payment timing matter
- What to ask for in writing, since rates and terms are not published
Who it suits
- Fifth Third checking customers who can set up automatic payments for the discount
- Buyers whose dealership already works with Fifth Third
- Drivers with a car loan from another lender who want to see whether refinancing lowers their rate or payment
Check before you decide
- No APR range, term lengths, loan amounts or fee list is published, so you cannot compare Fifth Third with other lenders before you ask for a quote.
- For a purchase, the loan depends on your dealership taking part in Fifth Third's lending program.
- The discounts need a Fifth Third checking account with automatic payments, or a loan from another lender to refinance.
- Fifth Third does not publish its credit requirements; all loans are subject to credit review and approval.
Opens the full guide on this site, with more detail and the sources we used.
Based on 2 sources. How we research our guides