Love Your Vehicle but Overloaded with Payments?
Refinance With Us and Lower Your Payment!

Rates as low as 5.41% APR*
No $250 Processing Fee**
No Payments for 90 Days

APPLY NOW

Key Refinance Features

Rates as low as 5.41% APR*

No Payments for 90 Days**

Affordable payment plans

Experienced lenders

Efficient local processing

Personalized service at every step

Our Current Auto Loan Rates

Model Year

Term

Rate As Low As^

APR As Low As^

Payment Amount^

Term (In Months)
2025 - 2026 12-66 months 5.14% 5.41% $614.27 66
67-78 months 5.39% 5.62% $536.71 78
79-84 months 5.64% 5.86% $508.89 84
2022 - 2024 12-66 months 5.29% 5.56% $616.72 66
67-78 months 5.54% 5.77% $539.20 78
2019 - 2021 12-66 months 5.99% 6.26% $628.21 66
2014 - 2018 12-54 months 7.49% 7.82% $770.97 54
2013 and older 12-48 months 8.74% 9.11% $872.85 48

Have questions before applying for an auto loan? Contact us today!

CALCULATE PAYMENT

^APR=ANNUAL PERCENTAGE RATE. SUBJECT TO APPLICATION AND CREDIT APPROVAL. RATES AVAILABLE SUBJECT TO MEETING CERTAIN UNDERWRITING CRITERIA. YOUR RATE MAY BE DIFFERENT DEPENDING ON CREDIT HISTORY, TERM, LOAN-TO-VALUE, MILEAGE, AND OTHER PERTINENT FACTORS. ANNUAL PERCENTAGE RATES BASED ON $35,000.00 AMOUNT FINANCED, 750 CREDIT SCORE, 75% LOAN-TO-VALUE, 50,000 MILES, AND $250.00 PROCESSING FEE. OTHER RATES, TERMS, PAYMENTS AND LOAN AMOUNTS ARE AVAILABLE. PARTIAL PREPAYMENTS WILL NOT AFFECT YOUR OBLIGATION TO PAY THE REGULAR MONTHLY PAYMENT AMOUNT ON THE PAYMENT DUE DATES FOLLOWING PARTIAL PREPAYMENT (AS LONG AS AMOUNTS OWED) UNLESS WE AGREE DIFFERENTLY IN WRITING. 84-MONTH TERM AVAILABLE ON MODELS 2025 AND NEWER WITH A MINIMUM AMOUNT FINANCED OF $20,000.00 AND 700 OR HIGHER CREDIT SCORE. RATES SUBJECT TO CHANGE AT ANY TIME.

Auto Loans FAQs

If you have questions on our auto loan program, please check out our list of answers below.

What information do I need to apply for an auto loan?

When you complete our easy, online application, you’ll need to provide your name, home address, social security number and monthly income.

Is there an application fee?

Pre-approvals are free - there’s no application fee. If you choose to move forward with the loan, there’s a processing fee of $250.00 for funded loans.

How long is my credit approval good?

Your credit approval is good for 30 days from Consumer National Bank’s decision.

Am I able to get a loan to purchase from an individual rather than a dealer?

Yes. You can use your auto loan to purchase a vehicle from an individual as well as a dealer.

Does Consumers National Bank offer lease buyouts?

Yes, we do offer lease buyouts as long as the buyer’s credit and the loan-to-value ratio are approved.

Get started with your auto loan application online today. Click the button below to get started!

APPLY NOW

*Eligibility: To be eligible for this promotion, you must refinance an auto loan in the amount of at least $15,000 with a minimum term of 36 months. Existing Consumers National Bank auto loans are not eligible for the waived processing fee of $250. Eligibility for the promotion and consummation of eligible loans is subject to standard credit underwriting and approval. Rates and terms are commensurate with age of collateral, amount borrowed, loan term, and credit score. Prepayment fee of $300 if loan is paid in full within 24 months of closing; $150 if the loan is paid in full after 24 months and before 75% of the normal scheduled payments are due. 

**No Payment Details: No payments will be due for the first 90 days of the loan repayment period. During the first 90 days, interest will accrue during the deferment.

Consumers Bank

Consumers Bank

Consumers Bank

Consumers Bank

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