Auto Loans

Auto Loans

With an auto loan from Consumers National Bank, you get competitive financing and quick decision making from experienced local lenders.

Auto loan pre-approvals are free, and we promise personalized attention from start to finish.

If you’re in the market for an auto loan, Consumer National Bank can help you get on the road with the affordable payment plan you need without the hassle.


For A Limited Time

New Auto Loan

Loans for New or Used Cars or Trucks

Our easy application process means you can have your financing ready before you shop for your next vehicle.

Auto Refinancing Loans

Refinancing your current auto loan can reduce your interest rate and save you money.

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AUTO LOAN OR HOME EQUITY?

AUTO REFINANCE CHECKLIST

FAQ

Find out if a traditional auto loan or an equity loan (if you're a homeowner) is a better option.
 

Find Out Now

Refinancing your auto loan could save you money. Review our auto loan refinance checklist to help determine if it’s right for your situation.
 

Read More

See our auto loan and refinancing Frequently Asked Questions.

 

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Features

Financing for new and used cars and trucks

Competitive rates^^^

Flexible terms up 84-months^^^

Affordable payment plans

Refinancing available

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)

2019 - 2021 12-66 months 2.99% 3.40% $332.71 66
67-75 months 3.24% 3.61% $298.25 75
76-84 months 3.49% 3.82% $271.73 84
2014 - 2018 12-66 months 3.25% 3.66% $302.30 66
67-75 months 3.50% 3.87% $335.06 75
2010 - 2013 12-66 months 3.50% 3.92% $337.33 66
2006 - 2009 12-54 months 3.75% 4.25% $407.61 54
2005 and older 12-48 months 4.25% 4.82% $458.93 48

^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 $20,000.00 AMOUNT FINANCED, 750 CREDIT SCORE, 75% LOAN-TO-VALUE, 50,000 MILES, AND $225.00 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.

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

CALCULATE PAYMENT

^^^Rates and terms are commensurate with age of collateral, amount borrowed and credit score. 84-month term available on models 2021 and newer with a minimum amount financed of $20,000.00 and 700 or higher credit score.

*To receive YETI Hopper Flip 18 or $200 WeatherTech Gift Card loan bonus: Eligibility: To be eligible for this promotion, you must close on a new auto loan or refinance an auto loan not currently held at Consumers National Bank in an amount of at least $10,000.  Existing Consumers National Bank auto loans are not eligible for this promotion. Loan application must be taken at Consumers branch or online at consumersbank.com. 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, and credit score.

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

Yeti Cooler And Gift Card Details: Available While Supplies Last: Yeti Hopper Flip 18 Cooler or $200 WeatherTech gift card to be picked up at the branch of your loan closing within 30 days time. Consumers National Bank will contact you as soon as your cooler or Gift Card is available and is ready for pick up. Cooler color may differ from image shown. Yeti and WeatherTech are not responsible for and has not endorsed this promotion in any way. Consumers National Bank Member FDIC, Equal Housing Lender. 

Auto Loan Refinance Checklist

There are many good reasons to refinance your auto loan. Review our auto loan refinance checklist to help determine if it’s right for you.

Has your credit score improved?

If your current rate is based on a previous lower credit score, refinancing at a better rate could save you money.

Have interest rates improved?

If the current interest rate is a significant improvement over the rate you’re paying, it may be time to consider refinancing.

Do you need to lower your monthly payments?

If a change in your financial situation means lowering your monthly payment is in your best interest, you could consider auto refinancing. If rates have dropped and you qualify, or you’re able to extend the terms of your loan, refinancing could make it easier to meet your financial obligations.

What documents do I need to refinance my auto loan?

You’ll need proof of employment, proof of residence and proof of insurance. We also will need information related to your vehicle – year, make and model, current mileage and VIN. (All of this information is on your vehicle registration card.) You’ll also need your current loan payoff amount and the remaining term (length of the loan). We’ll do a credit check to verify your credit score.

Auto Loans FAQs

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 $190 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.

If you have additional questions, submit them here, and we’ll respond promptly.

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