Auto Loans & Car Loans

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

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

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.

You’ll need proof of employment, proof of residence and proof of insurance. We will also 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.

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

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.

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

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

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

You can improve your chances of car loan approval by maintaining a healthy credit score, reducing existing debt, and applying with verified income documentation.