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Get the money you need to claim the vehicle you want. BMO vehicle loans work for new and used cars, along with boats, RVs, and motorcycles. Down Payment: 20% � Choose from a variety of terms and competitive rates to get a monthly payment that works for you � There is a $75 loan processing fee. � A Connect with us at BMO to discuss your auto loan, or how to get one for the car or truck you want.