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Is BMO In Trouble? Subprime Auto Loan Nightmare!Loans and lines of credit are subject to bank and credit approval. Third party web sites may have privacy and security policies different from BMO. Links to. Because your Express Loan Pay session has been idle for an extended period of time, your payment information has been cleared. This is done for security reasons. Under the indirect retail auto finance business, the bank works with car dealerships to arrange financing for buyers, who make monthly payments.