Can you pay Bank of America auto loans with a credit card?
No. It does not take credit cards.
Based on the payment methods Bank of America auto loans publishes; where it lists no card option, we read that as no.
Last checked October 19, 2026 by Bill Router; spot-checked by a person October 20, 2026. How we check
Ways to pay Bank of America auto loans
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Card on the biller's own site | No | — | Payment options are automatic payments, Online Banking transfers and Pay Now from checking accounts, automated phone, and another bank's bill pay. No debit or credit card option is listed. |
| Bank account (ACH) | Yes | Free | Autopay, Online Banking transfers and Pay Now from a Bank of America checking account or an outside account. Agent-assisted phone payments carry a fee; the amount is not published. |
| Card through Plastiq | Usually | 2.99%, plus $0.99 | A payment service that charges your card and pays Bank of America auto loans by bank transfer or check. Not affiliated with Bank of America auto loans. |
What it is worth for your car payment
Example amount shown; change it to yours.
| Way to pay | Fee per payment | Net per year |
|---|---|---|
| Plastiq (pays Bank of America auto loans for you) | $17.44 | −$77 |
| Bank account (ACH) | $0 | $0 |
Rewards minus fees, twelve payments a year. A negative number means a card costs you money.
When a card is worth it
The fee usually beats the reward, except when it unlocks a sign-up bonus. Example: someone who already puts $1,000 a month on a card could pay 2 car payments of $550 by card for about $35 in fees, reach the Bank of America Premium Rewards bonus, and keep about $470 after fees and the annual fee. Then switch back to the bank account. Run your own numbers.
Watch out for
Agent-assisted phone payments cost a fee. There is no card route.
Sources
Phone payments can be made using our automated voice response system by calling 800.215.6195.
www.bankofamerica.com · checked October 19, 2026Agent-assisted loan payments are also available at this number for a fee.
www.bankofamerica.com · checked October 19, 2026
Payment rules change. Every biller is re-checked at least every 180 days, and a page past that date is taken out of search until it is.
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See every bill at once
Add your other bills to the calculator to see which go on a card, which stay on your bank account, and which sign-up bonus your normal spending can reach.