NMLS#514553

Installment Loans


See our Rates

Installment Loan Rates
Effective September 24, 2025

Automobile/Motorcycles
Max Term
700 & Higher
641 - 699
640 & Lower
New Vehicles

60 mos.
72 mos.
Rate          APR *
6.25%      6.66%
6.50%      6.85%
Rate          APR *
7.50%     7.92%
8.00%     8.35%
Rate          APR *
11.25%      11.68%
11.75%      12.12%
Used Vehicles
(2023 - 2018)
48 mos.
60 mos.
7.00%      7.51%
7.25%      7.67%
8.25%      8.76%
8.75%      9.17%
12.25%    12.78%
12.75%    13.19%
Used Vehicles
(2017 - 2013)
36 mos.
48 mos.
7.50%        8.17%
7.75%        8.26%
9.25%     9.92%
9.50%     10.02%
13.00%     13.69%
13.25%     13.78%
Used Vehicles
(2012 & Older)
36 mos.
9.00%       9.67%
11.50%    12.18%
14.25%     14.94%
Campers, RV, Boats
700 & Higher
699 - 641

New - 48 Months
Rate             APR
7.75%         8.26%
Rate             APR
10.20%         10.72%
New - 60 Months
8.50%        8.92%
10.50%         10.93%
New - 72 Months
9.00%        9.36%
11.25%          11.62%
Used - (Max 60 Months)
10.50%       10.93%
12.00%         12.43%
Certificate of Deposit/Savings Account
Central Bancshares Inc. Stock
2.00% over the rate earned with floor of 4.00%
Current Rate = 4.00%

Farm/Business Loans
Preferred: Prime ** + 1.00%
Farm Machinery purchases at a rate of 6.50% with a maximum term of 5 years and amortized up to 10 years.
Considerations: Current paperwork ( i.e. tax returns, credit report, application) Credit Score & Established Customer

* Subject to application and credit approval. Your rate may be different depending on your credit score. APR based on $25,000 financed, at the maximum term, including a $250 processing fee. Other rates, terms, payments and loan amounts are available by contacting any loan officer.
Loan payment example: New car loan for $25,000 for 72 months at 6.50% (6.85% APR) payments would be $424.46.
** Prime is Wall Street Journal Prime = 7.25%

Have Questions?

Our loans officers are ready to answer any questions you may have regarding loans, don't hesitate to give your local branch a call today!

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