Compare Standard Auto Financial vs. US Bank Auto Loans

What’s the difference between Standard Auto Financial Auto Loans and US Bank Auto Loans? See how our editors compare the two companies below.
Last Updated: May 17, 2018
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Standard Auto Financial
7.4 / 10 - Very good
#14 in Auto Loans
US Bank Auto Loans
8.0 / 10 - Excellent
#12 in Auto Loans

Key Facts

  • No credit score required
  • Fast approval as quick as 24 hours
  • Partnered with over 400 lenders and dealers nationwide
  • Auto financing regardless of your credit situation
  • Competitive auto loan rates
  • Auto loans for new and old vehicles
  • Get prequalified in minutes
  • Up to $100,000 for a used auto loan
  • APR starts at 3.12%
  • Lease or buy
  • Finance up to 115% with no down payment


 Standard Auto FinancialUS Bank
Loan Options8/109/10
Application & Service8/108/10

Auto Loans & Refinancing

Types of Loans Offered

 Standard Auto FinancialUS Bank
Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Additional Info

Loan Qualifications

Borrower Qualifications

 Standard Auto FinancialUS Bank
Minimum Age
Must be 18 or older
Minimum Income
No Minimum
Minimum Credit Score
No Minimum
US Citizenship Requirement
Verification / Documents Required
Social Security Number
Social Security Number
Driver's License / Photo ID
Proof of Citizenship / Residence

Vehicle Qualifications

 Standard Auto FinancialUS Bank
Mileage Limit
No Limit
Car Age
No Limit
6 years
Car Makes
Any Vehicle Make

Application & Service

 Standard Auto FinancialUS Bank
Approval Time
Same Day
Funding Time
1-7 Days
No Fees Specified
Loan fees apply. Loan payment and APR will vary based on the loan amount, the term, and any fees. Origination fees vary by state and range from $50 to $125 or up to 1% of the loan amount. Loan payment example: a $10,000 automobile loan at a 2.31% Interest rate for 36 months with a $125 origination fee will have a 3.12% APR and a $291.38 monthly payment. An early closure fee of 1% of the original loan amount applies if the account is closed within 1 year, with a $50 minimum and $100 maximum. There may be a title registration fee which is determined by your state of residence.
Benefits/ Features
Online Rates / Application
Pre-approval Soft-credit Inquiry
Customizable Payment Deadlines
Deferred Payments
Joint Loans Available
Online Rates / Application
Pre-approval Soft-credit Inquiry

Reputation & Reviews

Contact & Additional Information

 Standard Auto FinancialUS Bank
Lender Type
Homepage URL
Company Phone
(866) 309-7687
(651) 466-3000
Mailing Address
P.O. Box 463 114 North Egan Avenue, Madison, SD, 57042

Final Verdict

US Bank Auto Loans has a higher overall rating than Standard Auto Financial Auto Loans. US Bank scores better than Standard Auto Financial across: Loan Options, and Reputation. Both companies score similarly on Application & Service, and Qualification.