Auto Loans
Auto Loan Calculator
How much can you borrow for your next car?
36 Months
Borrow up to:Loan Amount
75 Months
Borrow up to:Loan Amount
Other auto, truck, RV, boat, and motorcycle rates and terms are available. See our Rates page or contact us.
All loan approvals are based on standard loan underwriting guidelines and credit-scoring benchmarks. Actual rate may vary based on credit score, and/or surcharges, and loan term.
New and Used Auto
Whether you're needing a bigger vehicle, something more reliable or just a car you can have fun in, we can help put you behind the wheel. Here are just a few reasons to finance with Essential:
- Competitive Rates
- Low $5000 Minimum Loan Amount
- Longer terms for autos up to 9 years old
- 100% financing available (up to 125% financing available for qualified members)
- No Pre-Payment penalty
- Skip-A-Pay is available
- Lending Protection
- GAP Insurance available
- Mechanical Repair Coverage is available
- Payment reminder texts via Message Pay
Get Pre Approved
Just call an Essential representative toll-free at 1.888.369.2207, drop by one of our branches or apply online to get pre-approved for your purchase. Don't forget to request a Pre-Approval Certificate to take with you.
Click here to see our list of Preferred Dealers