BAC Community Bank

Formerly known as the Bank of Agriculture and Commerce, the institution changed its name to BAC Community Bank in 2015. The bank primarily operates in the Stockton area, California, and is very much focused on serving the residents of the local community.

BAC Community Bank
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    How do BAC Community Bank auto loans work?

    Unfortunately, BAC provides very little information on its auto loans via its website.

    BAC states its rates are competitive, but you’ll be directed to a contact page where you’ll have to email any questions you might have.

    Credit score

    No credit score requirements are disclosed by BAC. All auto loans, however, will be subject to underwriting and approval. 

    How Much Can You Borrow?

    You won’t be able to find the maximum and minimum loan amounts stated on the BAC website. You’ll be directed to a contact form to raise any queries. Typically, other banks tend to offer auto loans between $5,000 and $100,000.

    What types of vehicles are eligible for financing?

    You can finance new and used cars and trucks.

    How do I qualify?

    You’ll need to be a resident in one of three counties in California; Contra Costa, San Joaquin, or Stanislaus.

    What documents do I need?

    BAC doesn’t list those documents required to apply for an auto loan.

    However, most banks and credit unions will ask for proof of income and address and some kind of photo ID, like a passport.

    What are the fees?

    You’ll need to get in touch with BAC directly to find out what sort of fees might apply to your auto loan.

    How long does the loan process take?

    As there’s no online option, your application might take longer than other loan providers.

    You’ll need to make an appointment in-branch.

    BAC representatives will then walk you through the application process and how long it might take.

    How to apply for an auto loan?

    You’ll have to apply in-branch directly or call BAC customer services. There’s no online application form available. 

    What payment methods are supported?

    This isn’t stated on the BAC website. Usually, other loan providers will offer a monthly auto-pay option. You’ll have to get in touch with BAC to confirm, though.

    Pros and Cons


    • BAC gives back to the local community through volunteer and charity work
    • Pre-approvals are available


    • No online application process
    • Auto loans are limited to residents of only three counties in California

    Is BAC Community Bank right for you?

    BAC is a service geared towards those who want a stake in the local community.

    If you live local and appreciate the volunteer and charity work it does, you might want to consider taking a loan here to show your support.

    However, the application process can’t be completed online, only very limited information is available and there are restrictive residency criteria to meet before you can apply.

    Instead, you might want to try providers like Capital One or Open Road. Both have easy-to-follow online application processes, and you’ll get a range of no-obligation quotes.

    You can also apply if you have bad credit, and both are open to applications nationwide.