New and Used Car Loans
Whether you’re buying a new or used car, or refinancing your current auto loan, Emprise lets you drive payment-free for 90 days.* Emprise offers competitive rates and terms, and our loan application is simple, fast, and local. Apply today for rates as low as 4.65% / 5.25% APR.* Offer valid through September 15, 2026.
Apply online in less than 10 minutes.
New and Used Vehicle Loans
Whether you're shopping for a new car from a dealership or buying a new car from a private seller, we can help you with:
- Loans for new cars
- Loans for used cars
- Loans for trucks and SUVs
- Loans for Motorcycles
- Loans for boats and RVs
Our team can help you find new and used car financing that fits your budget and long-term goals. We can help you compare loan terms, monthly payments, and financing options. Talk to us about a vehicle loan preapproval for a simpler, more convenient car buying experience.
Apply online in less than 10 minutes!
*All offers are subject to credit approval. Offer valid through September 15, 2026. Existing Emprise Bank debt is not eligible. Minimum loan amount is $5,000; actual APR and payment may vary based on credit history and loan terms. No payments for 90 days. Example: A $25,000 loan for a 2011 or newer vehicle, financed for 48 months at 4.65% with a $299 origination fee, results in a 5.25% APR and monthly payment of $578.62. Financing optional credit life/disability insurance, GAP insurance, or an extended warranty will increase the payment amount. A 0.25% interest rate discount is available when a vehicle loan, purchase, or new-money vehicle refinance is combined with another approved Emprise Bank consumer loan or consumer credit card application submitted within five business days before or at the same time as the vehicle loan application.
Auto Loan Refinancing Options
Already have a vehicle loan? Refinancing a car loan may help you:
- Lower your monthly payment
- Reduce your interest rate
- Change your loan term
- Move your loan from another lender to a local community bank
If you're wondering whether refinancing makes sense for your situation, our local loan experts can help you compare your current loan with options.
Why Drivers Choose Emprise Bank
Whether you're buying your first car or refinancing a current loan, we're here to help make the process fast and straightforward.
Kansas and Missouri drivers choose Emprise Bank because we offer:
- No payments for 90 days*
- Loans for new and used cars, SUVs, trucks, motorcycles, boats and RVs
- Quick approvals and closings
- Competitive rates
- Auto loan preapproval
- Convenient online application
- Personalized service and support from a local team
FAQs for Auto Loans
From first cars to family SUVs to weekend trucks, your vehicle should fit your life. So should your financing. Emprise Bank offers financing for new and used vehicles with flexible terms. Our local loan experts can guide you and help you understand your options.
Step 1. Apply Online or Talk with Us
Complete our quick online application or connect with a local Emprise banker.
Step 2. Review Your Loan Options
Once we process your application, we’ll review your financing options together. We’ll walk through monthly payment estimates, loan terms, interest rates, and down payment options.
Step 3. Shop with Confidence
With financing in place, you can focus on finding the right vehicle for you.
Step 4. Finalize the Details
Once you’ve chosen your vehicle, we’ll finalize the paperwork and complete the loan process.
Step 5. Hit the Road
After closing, you’re ready to drive away and enjoy your new vehicle. Remember, if questions come up along the way, you’ll always have a local team to help.
Yes. Emprise Bank offers financing for new and used vehicles, including cars, trucks, SUVs, motorcycles, RVs and boats.
An auto loan pre-approval means a lender has reviewed your loan application. It shows you may qualify for an estimated loan amount, rate and monthly payment. Our auto loan pre-approvals are valid for 60 days, giving you plenty of time to find the right vehicle.
Start by completing the online auto loan application.
Learn more about auto loan pre-approvals in our Knowledge Center.
The right vehicle payment should fit comfortably within your monthly budget. When determining how much to spend on a vehicle, consider:
- Monthly income
- Existing debt payments
- Insurance costs
- Fuel and maintenance expenses
- Down payment amount
- Loan term length
We’re here to help you review the numbers, compare options and choose financing that fits your budget.
Helpful Auto Loan Tools
Your loan rate can depend on several factors, including:
- Credit history
- Loan amount
- Vehicle age
- Loan term
- Down payment
- Whether the vehicle is new or used
Our team can help you understand your loan rate and compare loan options that best fit your budget and long-term goals.
Check out our auto loan rates.
Financing through a local bank has several advantages, including:
- You can shop with pre-approval, which helps you know your budget upfront.
- Our loan experts can help you compare loan terms clearly.
- Fast, local auto financing decisions.
- Local people who can answer your questions plus a mobile app to manage your loan.
- Dealer financing may be convenient, but it’s still worth reviewing both offers so you can choose the option that best fits your needs.
When you compare two offers, look beyond the monthly payment. Review the annual percentage rate, loan term, total cost over time, and any fees. Our team can help you compare your auto loan offers so you can choose the one that works best for you.
To do some homework on your own, use our Vehicle Loan Comparison calculator.
Many drivers refinance to lower their monthly payment, reduce interest costs or change the loan term. Our loan experts can help you compare your options and review the numbers with confidence.
You can get started by:
- Completing a loan application.
- Calling 855.383.4301.
- Visiting our Get Help page to chat online, send an email or schedule an in-person or virtual appointment.
Have more questions about refinancing an auto loan? Check out our Auto Loan Refinancing FAQs.
Yes. At Emprise Bank, there’s no prepayment penalty if you pay off your vehicle loan early.