Bank · FDIC insured
Central National Bank Auto Loan Rates
Central National Bank auto loans start at 6.79% APR for a new vehicle and 6.79% for a used one. Rates checked October 16, 2026.
How Central National Bank’s auto loan rates compare
Compared with banks and credit unions near Manhattan, KS, where Central National Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Central National Bank
6.79%APR
- Terms
- up to 72 months
- Up to
- —
2021 and Newer Autos
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
2nd-lowest rate
INTRUST Bank
5.54%APR
- Terms
- up to 63 months
- Up to
- 16.65% APR
Central National Bank auto loan score
62
Auto loan score
Higher than 7% of U.S. banks and credit unions
- New vehicleNew6.79%
- Used vehicleUsed6.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Central National Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
2014 and Older Autos
Lend to residents of KS, NE, MO. Rate will be 2.50% higher if applicant does not have an active Central National Bank checking account. 2% Origination Fee ($100 maximum).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.54% | APR is based on a $10,100 loan amount (includes $100 origination fee) with contract interest rate of 7.54% (35 payments of $314.36 and one of $314.37). Requires active Central National Bank checking account for stated rate (2.50% higher without). |
Sources (1)
- centralnational.com/personal/autolending.asp · captured Oct 5, 2026
2015 to 2017 Autos
Lend to residents of KS, NE, MO. Rate will be 2.50% higher if applicant does not have an active Central National Bank checking account. 2% Origination Fee ($100 maximum).
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.29% | APR is based on a $15,100 loan amount (includes $100 origination fee) with contract interest rate of 7.29% (47 payments of $363.63 and one of $363.89). Requires active Central National Bank checking account for stated rate (2.50% higher without). |
Sources (1)
- centralnational.com/personal/autolending.asp · captured Oct 5, 2026
2018 to 2020 Autos
Lend to residents of KS, NE, MO. Rate will be 2.50% higher if applicant does not have an active Central National Bank checking account. 2% Origination Fee ($100 maximum).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.99% | APR is based on a $25,100 loan amount (includes $100 origination fee) with contract interest rate of 6.99% (59 payments of $496.91 and one of $497.15). Requires active Central National Bank checking account for stated rate (2.50% higher without). |
Sources (1)
- centralnational.com/personal/autolending.asp · captured Oct 5, 2026
2021 and Newer Autos
Lend to residents of KS, NE, MO. Rate will be 2.50% higher if applicant does not have an active Central National Bank checking account. 2% Origination Fee ($100 maximum). Financing available up to 100% purchase price (new) or 105% NADA trade-in (used 2021-2026 models).
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.79% | APR is based on a $30,100 loan amount (includes $100 origination fee) with contract interest rate of 6.79% (71 payments of $510.18 and one of $510.00). Requires active Central National Bank checking account for stated rate (2.50% higher without). |
Sources (1)
- centralnational.com/personal/autolending.asp · captured Oct 5, 2026
Auto Loans for Campers and Motorhomes
Rate will be 2.50% higher if applicant does not have an active Central National Bank checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.54% | Offer of credit is subject to credit approval. Rate updated as of 9/21/2026 and is subject to change. For the financing of Campers or Motorhomes. Annual Percentage Rate is based on a $25,100 loan amount (includes $100 origination fee) with a contract interest rate of 7.54% and would require 71 monthly payments of $434.50 and one payment of $434.32 resulting in a 7.543% APR. Rate will be 2.50% higher if applicant does not have an active Central National Bank checking account. Ask your local branch or submit an online inquiry for more details. |
Sources (1)
- centralnational.com/personal/autolending.asp · captured Oct 5, 2026
Auto Loans for Motorcycles, ATV's, and Boats
Rate will be 2.50% higher if applicant does not have an active Central National Bank checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.79% | Offer of credit is subject to credit approval. Rate updated as of 9/21/2026 and is subject to change. For the financing of Motorcycles, ATV's, and Boats. Annual Percentage Rate is based on a $15,100 loan amount (includes $100 origination fee) with a contract interest rate of 7.79% and would require 59 monthly payments of $304.67 and one payment of $304.87 resulting in a 7.792% APR. Rate will be 2.50% higher if applicant does not have an active Central National Bank checking account. Ask your local branch or submit an online inquiry for more details. |
Sources (1)
- centralnational.com/personal/autolending.asp · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.