Vehicle Loans

Drive off the lot with complete confidence.

Enjoy that new-car smell alongside competitive rates and flexible terms tailored to your budget. Getting pre-approved with Ascentra before you shop puts real bargaining power in your hand at the dealership.

• Terms available up to 84 months for lower monthly payments

• Pre-approval options so you know your buying power upfront

• Seamless online application process

Great value on the vehicle that fits your life.

Whether buying from a dealer or a private seller, we make financing a quality pre-owned car or truck straightforward and affordable. Get the reliability you need without overpaying on your monthly payment.

• Low, competitive rates on pre-owned cars and trucks

• Flexible terms to fit your specific monthly budget

• Fast approval process so you don't miss out on a great deal

Lower your payment or shorten your term.

Love your vehicle, but not your current monthly payment or interest rate? Move your existing auto loan from another lender to Ascentra and keep more money in your pocket every month.

• Potential to lower your rate and reduce your monthly payment

• Options to adjust your loan duration to meet your goals

• Simple refinancing process handled by our local team

We’ve designed our Debt Protection program to fit the times we live in today. More than ever, we all worry about things that might happen tomorrow. Debt Protection provides an important sense of financial security – knowing your loan will not become a burden to you in times of hardship.

Features and Benefits:

• Disability coverage protects a borrower's credit rating by ensuring the loan will not end up in default in the event of disability. 
• Protects borrowers and their families from financial hardships as a result of loss of income caused by death, illness or injury.
• Allows borrowers and families to retain their assets, including the collateral and savings, when an income is interrupted during unfortunate circumstances.
• No Obligation for 30 Days: If the borrower decides the plan is not what they need, they can cancel it within 30 days without obligation. Rarely does this occur, but borrowers appreciate knowing that they have that option.

• Benefit triggered by collision or comprehensive total loss, including theft
• Life of loan protection
• No mileage, make or year restrictions
• Open enrollment
• 100% refundable for first 60- days
• Accidental Death protection included, which provides for cancellation of up to $1,000 of your outstanding loan balance if you die in an accident

• Auto Deductible Reimbursement - This helps offset the cost of your deductible in case of an accident by paying you up to $500 per accident that is considered a collision or comprehensive claim by your primary insurance provider. Coverage is effective upon date of enrollment and will continue for three (3) years.
• Personal ID Restoration Consulting - This service helps a benefit holder in the case of fraud or identity theft to recover their name and rightful credit history. Call center consultants are ready to aid in form completion and submission to the appropriate parties.
• Warranty Registration Service - A great convenience service providing access to a website in which the consumer may store all warranty and protection product registration information in a single location. Product examples include appliances and/or electronics.

Mechanical Breakdown Protection, also known as an Extended Warranty, is automobile protection that extends beyond the manufacturer's factory warranty and covers repairs of unexpected mechanical breakdowns. For the period of time the contract is in effect, you are assured that covered components of your vehicle will be repaired in the event of failure, including labor, subject to any applicable deductible.

Features and Benefits:

• Nationwide Protection
• 24-Hour Roadside Assistance for the term of your coverage
• Rental Vehicle Assistance
• Transferable Coverage if you sell your vehicle before your agreement expires