Personal Lending Center
Smart lending for every driver —
personalized auto loans made simple.
Personal Lending Center
Get the financing you need to keep moving
Choose the product that works best for you.
MyAuto I
Affordable financing for brand-new vehicles with rates below national averages.
As low as*
2.49% APR
Features
- Fixed-rate loans for new vehicles up to 5 years old.
- Terms up to 84 months.
- No application or prepayment fees.
- Fast online approval process
Minimum Membership Required:
Personal Membership I
MyAuto II
Flexible financing for certified pre-owned and used cars from dealers or private sellers.
As low as*
3.99% APR
Features
- Financing for vehicles up to 10 years old.
- Terms up to 72 months.
- Optional GAP built-in.
- Quick digital approval and funding.
Minimum Membership Required:
Personal Membership I
MyAuto III
Slash your rate and your payment by refinancing your existing auto loan with RMO.
As low as*
1.00% APR
Features
- No refinance fees or early payoff penalties.
- Terms up to 84 months.
- Quick payoff and transfer
- Optional payment protection coverage.
Minimum Membership Required:
Personal Membership I
MyAuto IV
As low as*
3.99% APR
Features
- Finance up to 100% of your lease buyout.
- No penalties for early payoff.
- Add warranty and service protection.
- Fast, easy funding.
Minimum Membership Required:
Personal Membership I
Select the product that works for you
MyCar I
Affordable financing for brand-new vehicles with rates below national averages.
As low as*
2.49% APR
Features
- Fixed-rate loans for new vehicles up to 5 years old.
- Terms up to 84 months.
- No application or prepayment fees.
- Fast online approval process
Minimum Membership Required:
Personal Membership I
MyCar II
Flexible financing for certified pre-owned and used cars from dealers or private sellers.
As low as*
3.99% APR
Features
- Financing for vehicles up to 10 years old.
- Terms up to 72 months.
- Optional GAP built-in.
- Quick digital approval and funding.
Minimum Membership Required:
Personal Membership I
MyCar III
Slash your rate and your payment by refinancing your existing auto loan with RMO.
As low as*
1.00% APR
Features
- No refinance fees or early payoff penalties.
- Terms up to 84 months.
- Quick payoff and transfer
- Optional payment protection coverage.
Minimum Membership Required:
Personal Membership I
MyCar IV
As low as*
3.99% APR
Features
- Finance up to 100% of your lease buyout.
- No penalties for early payoff.
- Add warranty and service protection.
- Fast, easy funding.
Minimum Membership Required:
Personal Membership I
Financing Benefits
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FAQs
Find quick answers to common questions about finacing and how it works.
Help Center
Explore guides, resources, and support for all RMO Auto Finance products.
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Flexible Personal Loans Designed for Real Life | RMO Auto Finance
RMO Auto Finance Personal Lending gives you the power to fund what matters most — from car repairs and home improvements to debt consolidation and everyday expenses. With competitive fixed rates, no hidden fees, and fast approvals, RMO makes borrowing simple and transparent. Whether you’re building credit or managing unexpected costs, our personal loans help you move forward confidently. Compare RMO Auto Finance to lenders like SoFi, LightStream, and LendingClub to see why more members trust RMO for fair, flexible financing.
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