At Chemical Bank, we understand that purchasing your first automobile is one of the most important decisions you will make, and we will assist you along the way. Our knowledgeable and friendly staff want to make your buying experience a good one.

The ChemStart Auto Loan program is to help establish credit for the first time while purchasing a safe and dependable automobile.

Because you have not yet established credit, the ChemStart Auto Loan program will use other sources of payment history including utility payments, rent payments, phone services, insurance payments, and cable television to determine your credit worthiness.

The ChemStart Auto Loan Program can help put you on a path toward purchasing your first automobile.

Get started today by meeting with a Chemical Bank Representative or a Chemical Bank approved Auto Dealer:

  • During this meeting they will learn more about your auto loan needs.
  • If you meet the criteria for the ChemStart Auto Loan program, you will be pre-qualified for an auto loan. Your loan rate will be determined based on your alternative credit score.
  • Note — Upon loan approval, your Chemical Bank checking or savings account must be open prior to closing your ChemStart Auto Loan. A visit to your local Chemical Bank office will be necessary if you don’t already have an existing Chemical Bank checking or savings relationship.
  • Consider direct deposit of your payroll into your Chemical Bank checking or savings account.
  • Enjoy a reduced interest rate on your ChemStart Auto Loan when you have your loan payment deducted from your Chemical Bank account.

Contact a Consumer Lender today!


Contact a Consumer Lender Today!
Best time to call? (9am-5pm)
What do you want to do?

(Auto, Boat, RV)

Do you currently own your own home?