A personal car loan customer from Ephrata National Bank in his car

Car & Vehicle Loans

New or used, ENB can help you purchase your next vehicle. We finance cars, RVs, boats, motorcycles, and all-terrain vehicles.

  • Fixed rate
  • Fixed monthly payment
  • 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
  • Multiple repayment term options
  • .50% discount with automatic payment from an ENB Checking Account
Vehicle Loan3,4,5
Term
APR1
Monthly Payment/$10,0002
Max. LTV
Min. Down
Vehicle Loan3,4,5: New Vehicle
Term: 72 Mo.
APR1: 4.992%6
Monthly Payment/$10,0002: $161.01
Max. LTV: 100%
Min. Down: 0%
Vehicle Loan3,4,5: Used Vehicle
Term: 
APR1: 
Monthly Payment/$10,0002: 
Max. LTV: 
Min. Down: 
Vehicle Loan3,4,5: 1 - 2 Year Old Models
Term: 72 Mo.
APR1: 5.752%7
Monthly Payment/$10,0002: $164.56
Max. LTV: 100%
Min. Down: 0%
Vehicle Loan3,4,5: 3+ Year Old Models
Term: 48 Mo.
APR1: 7.253%8
Monthly Payment/$10,0002: $240.64
Max. LTV: 90%
Min. Down: 10%

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Contact us and we’ll answer your questions.

1Annual Percentage Rate. Effective June 27, 2022 and subject to change without notice. 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 5.49% 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 6.25% 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 7.75% 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.