Auto, RV, and Boat Loans

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Vroom Vroom

We agree that a vehicle is one of the most exciting purchases you’ll ever make. We're here with resources to help.

  • Need an RV to hold a growing family?
  • Want to make waves in a boat this summer?
  • Seeking a weekend adventure machine to take you off the beaten path?
  • Ready to trade into a sporty little two-seater?

We'll take you there in style.

Dog with head out of car window

Sorry, dog not included with completion of loan.

How to Apply

Branch location

At a Branch

Get preapproved before you start shopping for your new vehicle.

Locations
Telephone

Call Us

Our reps are standing by to answer your questions. Give us a call today!

(888) 262-5456
Online application

Online

We just need a little information. No shirt or shoes required.

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Rates

We want you to be excited about your ride, whether it’s new, used or a refinance. We offer a variety of term options and 100%1 financing is available.

We're offering a special rate with an APR as low as 2.994%3 for a limited time!

Loan Term Rate APR Origination Fee
Promotion 2020 and Newer Autos1 72 Months 2.99%2 2.994%3 No Origination Fee!
Promotion 2016 to 2019 Autos1 72 Months 3.29%2 3.294%4 No Origination Fee!
2015 and Older Autos 48 Months 5.19%2 5.536%5 2% Origination Fee ($100 maximum)
RVs, Boats, ATVs and Motorcycles 48 Months 5.14% 5.655%6 2% Origination Fee ($100 maximum)

Auto Loan Calculator

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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.

Speak to your 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.

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Saving Money Just Got Easier.

Save with every swipe of your card.

It Makes ¢ents!

RVs and Boats

When is the best time to buy?

It depends on your goal. If you’re wanting to avoid the crowds and potentially store an RV or a boat for a few months before using it then the fall is a great time to shop. If you’re planning to head south for the winter you might start in the fall, or even late summer. RV sales tend to pick up in March, which is why we kicked off this year’s RV/Boat Loan promotion on March 1st! We don’t want a single borrower to miss an opportunity to save!

Ready, Set, Adventure!

Once you have your RV, travel trailer, fifth wheel or motor boat, take advantage of any of the local state parks (8 in Nebraska and 28 in Kansas!) for a weekend away. It’s an inexpensive vacation that’s guaranteed to result in memories for you and your loved ones.

Be sure to check out one of 40 fishing lakes around Kansas which offer primitive camping options and are generally less-populated than state parks and campgrounds. Nebraska has over 450 lakes, and while we cannot recommend a favorite we do think you should consider sticking closer to home and checking out what the Midwest has to offer before traveling six states to make use of your new rig.

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Friends roasting marshmallows over fire

Frequently Asked Questions

What kind of vehicles will Central National Bank finance?

Central National Bank will finance most new or used autos. Rates and terms are based on the age of the vehicle. We also finance recreational motorized vehicles includeing camping and travel trailers, motorhomes, boats, ATV's and motorcycles. Rate promotions may not be available on all vehicle types, so be sure to visit with a lender before applying for the loan.

Do I have to buy a car, boat, or RV from a dealer? Can I use this loan to buy a car, boat, or RV through private party?

You may purchase 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 a vehicle loan from Central National Bank?

We lend to residents of Kansas, Nebraska, and 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 loan closing.

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.

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1 100% financing available for autos 2016 and newer. Restrictions may apply. Promotional rates are not available for refinances on existing Central National Bank loans.

2 Offer of credit is subject to credit approval. Restrictions apply to qualify for this rate. Rate updated as of 7/26/2021 and is subject to change. Rate will be 1.00% higher if applicant does not have an active Central National Bank checking account. Loan options vary by age of vehicle, amount and term requested. 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, or submit an online inquiry for more details.

3 Annual Percentage Rate is based on a $25,000 loan amount with a contract interest rate of 2.99% and would require 71 monthly payments of $379.77 and 1 payment of $380.01 resulting in a 2.994% APR.

4 Annual Percentage Rate is based on a $25,000 loan amount with a contract interest rate of 3.29% and would require 71 monthly payments of $383.14 and 1 payment of $383.32 resulting in a 3.294% APR.

5 Annual Percentage Rate is based on a $15,100 loan amount (includes $100 origination fee) with a contract interest rate of 5.19% and would require 47 monthly payments of $349.10 and one payment of $348.82 resulting in a 5.536% APR.

6 Offer of credit is subject to credit approval. Restrictions apply to qualify for this rate. Rate updated as of 7/26/2021 and is subject to change. For the financing of Boats, RVs (camping/travel trailers, motorhomes), ATVs, and motorcycles. Annual Percentage Rate is based on a $10,100 loan amount (includes $100 origination fee) with a contract interest rate of 5.14% and would require 47 monthly payments of $233.27 and 1 payment of $233.33 resulting in a 5.655% APR. Existing Central National Bank Loans do not qualify for refinancing. Ask your local branch, or submit an online inquiry for more details.

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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