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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, or check out our Auto Loan Checklist to see what you’ll need to apply for an loan with Central Bank.

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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.

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Alicia Hale

Branch Manager II | NMLS#950194

Location: Des Moines Drake Branch

Work Phone: (515) 279-8090

Amy Chace's Image

Amy Chace

Vice President, Branch Manager II

Location: Sioux City Hamilton Branch

Work Phone: (712) 233-2929

Brian Dooley's Image

Brian Dooley

Branch Manager II | NMLS#1444041

Location: West Des Moines Ashworth Branch

Work Phone: (515) 222-0731

Carolyn Yockey's Image

Carolyn Yockey

Vice President, Branch Manager II

Location: Sioux City Morningside Branch

Work Phone: (712) 276-3135

Chris Jenness's Image

Chris Jenness

Assistant Vice President, Mortgage Loan Officer | NMLS#493730

Location: Cherokee Main Office

Work Phone: (712) 225-2546

Dustin Pohlman's Image

Dustin Pohlman

Assistant Vice President, Branch Manager II | Assistant Cashier

Location: Spirit Lake Main Office

Work Phone: (712) 336-4100

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Hilary Budde

Personal Banker II/Head Teller

Location: Sioux City Hamilton Branch

Work Phone: (712) 233-2929

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Jennifer Brown

Branch Manager II | NMLS#1138317

Location: Ankeny Main Office

Work Phone: (515) 473-7033

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Jenny Yates

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Location: Sioux City Morningside Branch

Work Phone: (712) 276-3135

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Nancy George

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Location: Sioux City Main Office

Work Phone: (712) 293-2265

Steve Boden's Image

Steve Boden

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Location: Sioux City Main Office

Work Phone: (712) 293-2265

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Tim Matasovsky

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Location: Sioux City Main Office

Work Phone: (712) 293-2265

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William Boord

Assistant Vice President, Branch Manager II | NMLS#523274

Location: Urbandale Main Office

Work Phone: (515) 254-9000

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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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