Finance your fun — or a reliable set of wheels to get you where you need to go. Our auto and boat loans offer competitive rates and personalized service every step of the way.

Auto/Motorcycle/Boat/RV

Model Year

Term of Loan

Loyalty Rate

Loyalty APR*

Basic Rate

Basic APR*

with Guaranty Bank account automatic payments as low as
with automatic payment as low as
2017 - 2019 up to 60 months 3.49% 3.77% 3.99% 4.27%
2014 - 2016 up to 48 months 4.99% 5.34% 5.49% 5.85%
2011-2013 up to 36 months 6.99% 7.46% 7.49% 7.97%
2009 - 2010 up to 24 months 7.99% 8.69% 8.49% 9.19%
Auto Loans

A flexible, low-rate auto loan from Guaranty Bank can help you get behind the wheel of your dream car, motorcycle, or recreational vehicle. Get pre-approved today by our experienced in-house loan advisors for additional buying power at the dealership.

Details:

  • Competitive rates available
  • Available for new or used models
  • Available for boats, motorcycles, and other recreational vehicles
  • Flexible repayment plan options
  • Pre-approval available for additional buying power at the dealership
  • Local decision-making & processing
  • Experienced loan advisors
  • Commitment to one-on-one service
  • Streamlined application process

See our current auto loan special!

Boat Loans

Cruise Lake of the Ozarks or Table Rock Lake in your own boat with a competitive-rate loan from Guaranty Bank. Our experienced on-site loan advisors provide flexible financing to meet your exact needs through personalized consultations and fast, localized processing.

Details:

  • Competitive rates available to finance the perfect boat or watercraft
  • Available for new or used models
  • Flexible repayment plan options
  • Pre-approval available for additional buying power
  • Local decision-making & processing
  • Experienced loan advisors
  • Commitment to one-on-one service
  • Streamlined application process
Deferred Payment Program

Take up to 90 days to make your first loan payment with our Deferred Payment Program. Now that's luxury.

Details:

  • Up to 90-day deferred payments on installment loans with approved credit
  • Available for new or used models
  • Available for automobiles, boats, motorcycles, and other recreational vehicles
Guaranteed Asset Protection Program

Worried about covering the difference between your vehicle's depreciated value and the remainder of your loan? Don't be, we've got you covered. With our GAP waiver program, you can rest easy knowing your loan can be paid off if your vehicle is stolen or damaged beyond repair.

Details:

  • Pay the difference between the loan balance and the retail value of the vehicle, as determined by the settlement amount paid by your automotive primary insurance carrier
  • Helps prevent the protected loan from becoming a burden
  • Pays up to $500 of the insurance deductable
  • All risk physical damage coverage for new and used vehicles
  • Unrecovered theft protection
  • Easy enrollment process

*Annual Percentage Rate (APR). The APR is based on a $15,000 loan with the maximum term available for the model year. Example of the Basic Program with automatic payment - $15,000 loan, 2017 model year, an interest rate of 3.99% with 60 monthly payments of $276.22. Loans are for qualified borrowers. Must be 18 years or older to apply. Maximum loan amount of $150,000. The advertised Loyalty APR is available for loans with an automatic loan payment from a Guaranty Bank deposit account. The advertised Basic APR is available for loans without an automatic loan payment, but an additional 0.25% will be deducted from the advertised Basic APR if an automatic loan payment is made from a non-Guaranty Bank deposit account. Termination of the automatic payment will result in a rate increase specific to the loan program. All loans are subject to a $100 loan fee and a filing fee. Rates are subject to change without notice. Rates as of Jan. 1, 2019.