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In April, BMO Harris Bank started paying dealerships a flat fee of 3 percent of the amount financed, up to $2,, according to Automotive News. These terms. BMO plans to close its retail auto finance business in order to reroute resources, as borrowers dig deep amid interest rate hikes. Read on. Borrow up to $15, Auto Loans. No matter why you need wheels or what type you choose, get competitive rates and flexible repayment options. The details.