Bay Bank Auto Loan — Bay Bancorporation is a auto loan from Bay Bancorporation. The ongoing APR is New Auto 2026 ... 72 months 4.95% 5.028% ... 36 months 3.95% 4.096%; Used Auto 2015 & Older 36 Months 9.95% 10.473%. Typical credit limit: Based on $35,000 loan amount. Loan terms: 72 months ... 36 months.