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It’s time to put a new set of keys in your hand. Let us help.

Competitive rates and terms. That’s obviously the name of the game. And Central Bank has both coupled with outstanding personal service. If you bank with Central Bank, ask about special discounts for which you qualify. Central Bank offers various options for financing and refinancing your automobiles.

Visit our Services and Tools section to compare loan programs and calculate payments.

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Features of Central Bank auto loans include:

  • Flexible financing options for new or used vehicles
  • Car lease buyout options
  • Refinance options for when debt consolidation, unexpected expenses or other purchases need to be made

*We also make loans for specialty vehicles. See boats, RVs.

Standard credit qualifications apply.

What types of loans do you offer?

We offer dealer purchase loans, refinancing and lease buyouts.

Who is eligible to get an auto loan through Central Bank?

Applicants must be 18 years or older.

Do I need to be a US citizen to apply for an auto loan?

Applicants must be a US Citizen, Resident Alien or Non-Resident Alien residing in the US.

Can I be approved before I select a car?

Sometimes, yes. In the instance of a dealer purchase loan, collateral information is not needed prior to a loan decision. In the instance of refinancing or lease buyouts, information such as mileage, VIN and make/model will be needed.

Can I refinance my existing auto loan through Central Bank?

Yes. Central Bank can refinance.

Is there a required down payment?

Auto loan down payments are evaluated on a case-by-case basis.

Are there particular dealers through which I can purchase?

Central Bank does business with dealerships across central and northwestern Iowa. Just let your Central Bank representative know which dealer you would like to purchase from.

Amy Button's Image

Amy Button

Branch Manager I

Location: Brookings Main Office

Work Phone: (605) 696-3416

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Angela Reinert

Personal Banker II

Location: Storm Lake Main Office

Work Phone: (712) 749-7513

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Ashly Esquivel

Relationship Banker II | NMLS#1744911

Location: Dakota Dunes Main Office

Work Phone: (605) 540-4333

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Brittny Brunning

Retail Branch Supervisor

Location: Storm Lake North Branch

Work Phone: (712) 732-1919

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Bryan Johnson

Assistant Vice President, Branch Manager II/Private Banking | NMLS#651499

Location: West Des Moines Mills Civic Branch

Work Phone: (515) 222-1144

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Chris Jenness

Vice President, Mortgage Loan Officer | NMLS#493730

Location: Cherokee Main Office

Work Phone: (712) 225-2546

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Damon Punt

Branch Manager I

Location: Sioux Falls Minnesota Branch

Work Phone: (605) 977-5566

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Dustin Pohlman

Vice President, Regional Retail Manager

Location: Spirit Lake Main Office

Work Phone: (712) 336-4100

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Ethan Moxnes

Personal Banker II

Location: Sioux Falls Western Branch

Work Phone: (605) 782-0759

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Jacqueline Klaus

Branch Manager I | NMLS#527709

Location: Sioux City Hamilton Office

Work Phone: (712) 233-2929

Jessica Inrachavonga's Image

Jessica Inrachavonga

Retail Branch Supervisor

Location: Des Moines Highland Park Branch

Work Phone: (515) 331-7235

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Kaylea Simons

Branch Manager II | NMLS# 2014295

Location: Sioux City Main Office

Work Phone: (712) 293-2265

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Mia Eskra

Branch Manager I | NMLS#1736214

Location: Waukee Main Office

Work Phone: (515) 987-2299

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Nancy George

Personal Banker II

Location: Sioux City Main Office

Work Phone: (712) 293-2265

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Nicole Harding

Branch Manager I

Location: Sioux Falls Western Branch

Work Phone: (605) 977-5523

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Rhonda Rowe

Branch Manager I

Location: Des Moines Ingersoll Branch

Work Phone: (515) 331-7235

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Russell Asman

Branch Manager I | NMLS#1752613

Location: Des Moines Drake Branch

Work Phone: (515) 471-1168

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Stacy Meyer

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Location: Storm Lake Main Office

Work Phone: (712) 732-2190

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Susan Hollingsworth

Branch Manager I

Location: Urbandale 86th St. Branch

Work Phone: (515) 309-5130

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Wyatt Warkenthien

Personal Banker II

Location: Sioux Falls 12th St. Branch

Work Phone: (605) 977-5525

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You are leaving the Central Bank website. We are not endorsing or guaranteeing the products, information or recommendations provided by the organizations linked to our website. We are not liable for any failure of products or services advertised on those sites. We are not responsible for the validity, collection, use or security of information by organizations that may be linked to our website. We encourage you to read the privacy policies of websites reached through the use of links from the Central Bank website.

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