Auto Loans
How much can you borrow for your next car?
36 Months
Borrow up to:$11,455
75 Months
Borrow up to:$21,280
All loan approvals are based on standard loan underwriting guidelines and credit-scoring benchmarks. Actual rate may vary based on credit score, and/or surcharges, and loan term.
New and Used Auto
Whether you're needing a bigger vehicle, something more reliable or just a car you can have fun in, we can help put you behind the wheel. Here are just a few reasons to finance with Essential:
- Competitive Rates
- Low $5000 Minimum Loan Amount
- Longer terms for autos up to 9 years old
- 100% financing available (up to 125% financing available for qualified members)
- No Pre-Payment penalty
- Skip-A-Pay is available
- Lending Protection
- GAP Insurance available
- Mechanical Repair Coverage is available
- Payment reminder texts via Message Pay
We offer Auto Loans at any of our convenient locations in Louisiana and Texas: Baton Rouge, Plaquemine, Houston, Gonzales, and Walker.
Get Pre Approved
Just call an Essential representative toll-free at 1.888.369.2207, drop by one of our branches or apply online to get pre-approved for your purchase. Don't forget to request a Pre-Approval Certificate to take with you.
Click here to see our list of Preferred Dealers
Contact us today for more information about auto financing, auto loans, or auto loan pre-approval!