Want the best deal on your loan?

Get great rates and quick approval when you refinance or buy a new/used car, boat, motorcycle, ATV or RV

We'll even make the 1st payment for you!



Now is a great time to buy a new/used vehicle or even refinance your current loan. Whether you’re a current member or new to Essential, we’ve got your back — and your first payment!

Looking to buy? Essential makes it easy to get pre-approved BEFORE you shop, giving you the advantage at the dealership or car lot. Refinancing? Look no further for a low, fixed APR .

Essential has great competitive rates and an easy online application that will get you approved quickly for your new or refinanced loan. And that’s just the start — Essential also offers payment protection, GAP insurance, and extended warranties for vehicles.

We offer 100% financing and longer loan terms than most banks.

PLUS we’ll make your first payment for you…up to $500. Don’t miss out — this offer ends soon.



*All loan approvals are based on standard loan underwriting guidelines and credit-scoring benchmarks. Actual rate may vary based on credit score. Must finance for 48 or more months. Minimum refinance amount $10,000 to receive Payment Credit. Maximum car payment paid by Essential is $500. Loans currently financed with Essential do not qualify. Offer only applies to direct auto loans booked during promotional period. Limited time offer. The minimum loan value must be $10,000 or greater and the loan must be closed at Essential. Interest will accrue beginning at closing of the loan. Excludes all loans currently financed with Essential.