Which auto lenders take credit cards?
Most auto lenders refuse credit cards; many take debit cards, sometimes for a phone fee. A few route cards through Western Union or MoneyGram for a fee. Like mortgages, a car payment usually belongs on your bank account unless it fills a bonus.
4 of 25 auto lenders we checked take credit cards. Each answer below links to the company’s own payment page.
| Auto lender | Credit card? | Checked |
|---|---|---|
| Ally Auto | No credit cards. Debit cards only. | 2026-10-19 |
| American Honda Finance | No credit cards. Debit cards only. | 2026-10-19 |
| BMW Financial Services | No credit cards. Debit cards only. | 2026-10-19 |
| Bank of America auto loans | No. It does not take credit cards. | 2026-10-19 |
| Bridgecrest | No credit cards. Debit cards only. | 2026-10-19 |
| Capital One Auto Finance | No credit cards. Debit cards only. | 2026-10-19 |
| Chase Auto | No. It does not take credit cards. | 2026-10-19 |
| Credit Acceptance | No credit cards. Debit cards only. | 2026-10-19 |
| Exeter Finance | No credit cards. Debit cards only. | 2026-10-19 |
| Ford Credit | Yes. No card fee is published. | 2026-10-19 |
| GM Financial | Yes. No card fee is published. | 2026-10-19 |
| Hyundai Motor Finance | No credit cards. Debit cards only. | 2026-10-19 |
| Kia Finance America | Yes. No card fee is published. | 2026-10-19 |
| Lexus Financial Services | No credit cards. Debit cards only. | 2026-10-19 |
| Mazda Financial Services | No. It does not take credit cards. | 2026-10-19 |
| Mercedes-Benz Financial Services | Yes. No card fee is published. | 2026-10-19 |
| Nissan Motor Acceptance (NMAC) | No credit cards. Debit cards only. | 2026-10-19 |
| Santander Consumer USA / Chrysler Capital | No credit cards. Debit cards only. | 2026-10-19 |
| Subaru Motors Finance | No. It does not take credit cards. | 2026-10-19 |
| TD Auto Finance | No credit cards. Debit cards only. | 2026-10-19 |
| Toyota Financial Services | No credit cards. Debit cards only. | 2026-10-19 |
| U.S. Bank auto loans | No. It does not take credit cards. | 2026-10-19 |
| VW Credit | No. It does not take credit cards. | 2026-10-19 |
| Wells Fargo Auto | No. It does not take credit cards. | 2026-10-19 |
| Westlake Financial | No credit cards. Debit cards only. | 2026-10-19 |