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Bank of the West customers can receive a % interest-rate discount for setting up automatic payments from a Bank of the West checking or. FAST APPLICATION. COMPETITIVE RATES. QUICK DECISIONS. ; %, % � %, % � % ; %, % � %, % � % ; % � % � %. Our fixed rate Secured Car Loan lets you use your car � even the one you're looking to buy � as security to get a lower rate than our other personal loans.