Auto Loan Program — Helm Bank USA is a auto loan from Helm Bank USA. The ongoing APR is 9.51% *APR for New Autos; 10.51% APR for Used Autos for 60 months; 10.52% APR for Used Autos for 48 months. Typical credit limit: Loan amount between $10,000 and $125,000. Loan terms: Installments up to 72 months for new autos, 60 months for used autos (1 to 2 years old), 48 months (3 to 5 years old).