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Banking on Purpose: A Fireside Chat with Darrel Hackett, President \u0026 CEO, BMO Bank N.A.To qualify for the lowest rate you must meet requirements for loan amount, term length, credit history, and have Auto Pay from a BMO personal checking account. The information you provide in this form may be used to perform a credit check and verify your identity by using internal sources and third party vendors. If. BMO BANK NATIONAL ASSOCIATION auto loan rates ; Used Auto - 36 Mo � Used Car Loan, 2 year old vehicle, 36mo term, $15k loan, % financing, Excellent credit.