Bank of the West Auto Loan Rates and Calculators


Bank of the West Online Banking » Bank of the West Auto Loan Rates and Calculators

Bank of the West auto loan calculators enable users to accurately determine the various options available to them in regards to financing a new or used vehicle. Bank of the West auto loans begin at a minimum amount of $2,000, and are available at a maximum loan-to-value ratio of For a complete overview of the auto loans offered by Bank of the West click here.

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Rates

Current Bank of the West auto loan rates can be downloaded in .PDF form via this webpage (click on the link titled ‘Auto loan rates and important disclosures’ as outlined in the screenshot below).

Calculators

How to Calculate

This calculator compares between the costs of purchasing/financing a used or new vehicle, and determines which of the two is the better option. Enter the following variables into the appropriate input fields within the calculator:

  • Interest rate
  • Term length in months
  • Down payment amount
  • Length of ownership (years)
  • Monthly maintenance costs
  • Monthly insurance payment
  • Registration fees
  • Purchase price
  • Age of vehicle (years)
  • Savings interest rate
  • State/federal tax rate

Click on the ‘View Results’ button at the bottom of the calculator, or the ‘Results’ tab to view the results of the calculation.

Determines the first year’s depreciation of a vehicle, as well as the total depreciation amount. Enter the following listed inputs into the associated entry fields within the calculator:

  • Purchase price
  • Age of vehicle in years
  • Length of ownership (years)

-Future depreciation:

  • Low
  • Average
  • High

After entering the above information, either click the ‘Results’ tab or the ‘View Results’ button.

Compares between the costs of leasing and purchasing a new or used vehicle. Enter the following inputs into their corresponding entry fields:

  • Purchase price

  • Sales tax rate
  • Age of vehicle in years
  • Cash rebate amount
  • Down payment amount
  • Other upfront costs
  • Term length in months
  • Interest rate
  • Lease term in months
  • Monthly lease payment
  • Security deposit
  • Cash paid down
  • Cash rebate
  • Savings tax rate
  • State/federal tax rate
  • Future depreciation (low, average, high)

Results can be viewed by clicking the ‘Results’ tab or pressing the ‘View Results’ link.

Calculates the difference between financing and paying cash (in regards to a vehicle loan). Enter the following inputs:

  • Purchase price

  • Down payment
  • Term length in months
  • Interest rate
  • Length of vehicle ownership in years
  • Savings interest rate
  • State/federal tax rates

Click the ‘Results’ tab to view the results.

The vehicle payments calculator will determine how much the monthly payments will be on a vehicle loan. Enter these inputs into the corresponding entry fields:

  • Purchase price
  • Cash rebate
  • Value of trade-in

  • Amount owed on trade-in
  • Down payment
  • Term length in months
  • Interest rate

To view the results click on the ‘View Results’ button.

This calculator compares two loans and determines which one will cost less. Enter the following variables:

  • Down payment amount
  • Purchase price
  • Term length in months
  • Interest rate
  • Savings interest rate
  • State/federal tax rates (combined)

Results can be viewed by clicking the ‘View Results’ button or the ‘Results’ tab.

Compares the terms of two loans to determine which one is less expensive. Enter these inputs into the entry fields within the calculator:

  • Term length in months
  • Interest rate
  • Down payment amount
  • Purchase price
  • Savings interest rate
  • State/federal tax rates

To view the results, click on the ‘Results’ tab or the ‘View Results’ button.

Determines whether a home equity loan or traditional auto loan is the better option for financing a vehicle, based on these inputs:

  • Purchase price
  • Down payment
  • Term length (months)
  • Auto loan interest rate
  • Home equity loan interest rate
  • Home equity loan upfront costs
  • State and federal tax rates (combined)
  • Savings rate

Click on the ‘Results’ tab or the ‘View Results’ button to view the results of the calculation.

This calculator will determine which option is better for financing a vehicle; using a cash rebate or obtaining special dealer financing. Enter the following inputs:

  • Low interest rate
  • Regular interest rate
  • Cash rebate
  • Savings interest rate
  • Purchase price
  • Down payment
  • Term length in months
  • State/federal tax rates (combined)

To view the results, click on the ‘Results’ tab or the ‘View Results’ button.

Determines how much money it will cost to keep a car, rather than purchase new ones over a specified period of time. This calculator required the following variables:

  • Years before selling
  • Annual repair costs
  • Annual insurance costs
  • Annual licensing fees

  • Age of vehicle
  • Purchase price
  • Down payment
  • Interest rate
  • Term length in months
  • Savings interest rate
  • State/federal tax rates
  • Sales tax rate

Click the ‘View Results’ button (at the bottom of the calculator) or the ‘Results’ tab in order to view the results.

This calculator will determine how expensive of a vehicle an individual can afford, based on the following inputs:

To view the results, click the ‘View Results’ button.

 

 

 

 

 

 

 

 

 

 

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