For a limited time we're offering a special rate with an APR as low as 4.296%!6Apply Now
We want you to be excited about your ride, whether it’s new, used or a refinance. 100% Financing Available1. We offer a variety of term options.
|Model Year||Term||Rate||APR||Origination Fee|
|PROMO RATE (2014-Newer)1||60 Months||4.29%3||4.296%6||No Origination Fee!|
|Used Autos1||48 Months||5.89%2||6.240%4||2% Origination Fee ($100 maximum)|
|Used Autos1||60 Months||5.99%2||6.266%5||2% Origination Fee ($100 maximum)|
Sorry, dog not included with completion of loan.
Auto Loan Calculator
Can I afford a new car?
We are happy to do a payment calculation for you before you apply for the loan. Use the Auto Loan Calculator to enter the purchase amount, a down payment amount (if applicable), the term you would like, along with the interest rate shown in the chart above. Once you have an idea about the payment amount you can figure out your total monthly bills and compare that to your monthly budget.
Be prepared! It’s important to know your limitations. If you have a limited credit history, you may need a co-signer. When someone co-signs your loan, you are asking them to be responsible for your loan should you fail to make payments. So make your decisions wisely! If your co-signer is on a fixed budget and something happens that keeps you from paying your bill, then they're responsible for making the payments, and you've just put them into a tough situation.
Call your local treasurer’s office and get information about the tags and taxes. Some counties may have a tax estimator on their website for your convenience.
Call your local insurance agent and ask them for an auto quote as well. That will also figure into your monthly or annual bills depending on how you choose to pay.Apply Now See Our Insurance Agents
New Ride, New Insurance.
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Frequently Asked Questions
What kind of vehicles will Central National Bank finance?
Central National Bank will finance most new or used vehicles. Rates and terms are based on the age of the vehicle.
Do I have to buy a car from a dealer? Or can I use this auto loan to buy my neighbor's car?
You may purchase a car from a dealership or through a private seller. If purchasing from a dealership, we will require a purchase agreement from the dealership to proceed with financing. If purchasing from a private seller, we will require a bill of sale and the seller(s) and the registered owner(s) be the same person/people listed on the title, and the vehicle must be purchased directly from the seller(s)/registered owner.
Do I have to live in Kansas to get an auto loan from Central National Bank?
No. You may also live in Nebraska and/or Missouri.
Do you offer refinances?
Absolutely. Just let your banker know that you're here for a refinance instead of a purchase.
Do you do pre-approvals?
We do! With an application, we can determine the amount of a loan for which you would qualify. Once pre-qualified, you can begin shopping for a car. The vehicle chosen will determine the final loan amount.
What financial information do you need from me?
At a minimum, we will need your name, email address, address, phone number, employment information, income, Social Security number, and a form of legal identification. Depending on the circumstances of your loan, the following documents may be required: registration, title, lease buyout instructions, proof of income, federal tax returns, W-2s and financial statements.
How can I make payments on my loan?
You can make payments by mail, at your local branch, or you can set up an automatic payment at the time of application.
What if my credit score isn't perfect? Can I still get the loan?
A high credit score may get you a better rate, but will not necessarily guarantee you a loan. Other factors are taken into consideration, so check with a lender near you to determine whether an auto loan will be an option for you.
How do I apply?
You can visit your local branch and speak with one of our Personal Bankers, or you can apply online.Apply Now
1 Offer of credit is subject to credit approval. Loan options vary by age of vehicle, amount and term requested. Restrictions may apply.
2 Restrictions apply to qualify for this rate. Rate will be 1.00% higher if applicant does not have an active CNB Checking Account. Rate updated as of 04/22/2019 and is subject to change. Rates and/or origination fees may vary depending on loan-to-value ratio, and/or reason for the loan, such as purchase, refinance or cash-out refinance. Ask your local branch for details.
3 Restrictions apply to qualify for this rate. Rate will be 1.00% higher if applicant does not have an active CNB Checking Account. Rate updated as of 05/01/2019 and is subject to change. Rates may vary depending on loan-to-value ratio, and/or reason for the loan, such as purchase, refinance or cash-out refinance. Ask your local branch for details.
4 Annual Percentage Rate is based on a $15,100 loan amount (includes $100 origination fee) with a contract interest rate of 5.89% and would require 48 monthly payments of $353.93 resulting in a 6.230% APR.
5 Annual Percentage Rate is based on a $15,100 loan amount (includes $100 origination fee) with a contract interest rate of 5.99% and would require 60 monthly payments of $291.86 resulting in a 6.266% APR.
6 Annual Percentage Rate is based on a $15,000 loan amount with a contract interest rate of 4.29% and would require 60 monthly payments of $278.26 resulting in a 4.296% APR.
How can we help?
Let us know the best way to reach you and one of our customer representatives will be in touch.
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