Car & Vehicle Loans

ENB can help you purchase your next vehicle. New or used, we have a loan for you. We finance cars, RVs, boats, motorcycles and all terrain vehicles.

  • 100% finance of new vehicle sales price
  • 100% finance of the lesser of the purchase price (less taxes, tags and other charges) or the value as stated on the NADA for used vehicles less than 2 years old
  • .50% discount with automatic payment from an ENB Checking Account
  • Multiple repayment term options

Car & Vehicle Loan Rates

Vehicle Loan3,4,5TermAPR1Mo.Pmt./$10,0002Max. LTVMin. Down
New Vehicle72 Mo.4.50%6$158.73100%0%
Used Vehicle
2018 – 2016 Models72 Mo.5.00%7$161.04100%0%
2015 and Older Models48 Mo.5.25%8$231.4190%10%
We finance Cars, RVs, Boat and Motorcycle, and All Terrain vehicles. Please call (877) 773-6605 for more information.

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1Annual Percentage Rate. 2Monthly payments will vary based on amount borrowed and term. Any projected payments do not include amounts for taxes and insurance premiums, if applicable; actual payment obligation will be greater. 3Automatic payment deduction required from an Ephrata National Bank deposit account to receive published rate. Rates could be higher if deposit account activity does not support automatic payment. 4Other rates are possible, subject to credit score, loan amount, payment terms, and debt to income ratio. 5This is a fixed rate, closed-end loan secured by your vehicle. ENB uses the lesser of the purchase price (less taxes, tags and other charges) or the value as stated on the NADA guide in calculating the LTV. State encumbrance fees will apply. 6The advertised rate is our base rate of 5.00% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account and c) a maximum loan amount of $100,000. 7The advertised rate is our base rate of 5.50% with the following discounts: a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account and c) a maximum loan amount of $100,000. 8The advertised rate is our base rate of 5.75% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account and c) a maximum loan amount of $50,000. Effective September 28, 2018 and subject to change without notice.