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Ameris Bank

Opened its doors in 1971, Ameris Bank committed itself to provide banking solutions with foundations beyond tradition. Today, it stood up firmly to be known as a publicly traded financial institution that manages over $18 billion of total assets, and serving its customers with more than 200 locations in Mid-Atlantic and across Southeast.

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Table of Contents

    How do Ameris Bank auto loans work?

    Ameris Bank offers a lump sum loan for vehicles in a competitive range of rates. Although it doesn’t provide a full schedule of APRs, it has a feature on its website that whenever you apply for an auto loan, you must use its financial calculator to tailor the services you want for. This option will allow you to view your monthly payments, rates and terms.

    Credit score

    In Ameris Bank, your credit score is your responsibility. It considers a good credit score of 660-700, higher than this is worthy of its best rates.

    How much can you borrow?

    The website doesn’t mention how much you can get with its auto loans, but it can finance the whole market price of a vehicle.

    What types of vehicles are eligible for financing?

    Ameris Bank offers financing for cars, pickup trucks, SUVs, motorcycles, motorboats, and motor homes.

    How do I qualify?

    It is open for all. No membership needed. Applicants are just required to gather all documents. Once complete, you can go to the nearest branch and discuss with its loan officers about the details of your loan.

    What documents do I need?

    You’ll just need the following:

    • Driver’s license
    • Personal income information

    What are the fees?

    The website of the bank doesn’t provide the fees for application or processes when you apply for an auto loan. Contact its customer care service whenever you have inquiries about any service it provides, contact details are available on its website.

    How long does the loan process take?

    It specified that after you gathered its needed documents, you must visit its branch to assist you in the further process of your application. This may only take minutes and after that expect a decision through a call within 24 hours or less.

    How to apply for an auto loan?

    The website of the bank instructed that you must visit its nearest branch to help you walk in through your application process, just bring with you the documents it needs.

    What payment methods are supported?

    You can pay your loans through online banking or by using its mobile app, wire your funds from your checking or savings account of any financial institution, or visit its nearest branch to make the payment. Plus, you can schedule an automatic payment through online banking or mobile app.

    Pros And Cons

    Pros

    • No prepayment penalties
    • Financing for old and new cars
    • Funds availability within in one business day or less

    Cons

    • No online application for auto loans
    • Few details about auto loans on the website

    Is Ameris Bank right for you?

    The auto loan services of Ameris Bank are for people who don’t think visiting its nearest branch is a hassle whenever you apply for it. Although it provides online banking to make your safe payments, it is a must that customers should be allowed to make an online application especially at a time like this. Try LendingClub, it’s an online marketplace where you can place your trust to get a loan online. It’s an easier option, plus it offers the best deals even for people with bad credit.

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