Auto Loans

Auto Loans

Save time and money with an auto loan from VCNB!

Just like the new car you have in mind, auto loans from VCNB come loaded with extras. From money-saving low rates to easy terms and account options, our auto loans can get you where you need to go.

Auto Loan Features

At VCNB we make managing your auto loan easy. Set up electronic loan payments, payment reminders, and other helpful features. It’s a hassle-free way to manage your loan.

Have More Questions?

Meet with one of our experienced auto loan specialists who can match the right loan to the car you have in mind.

Find a VCNB office near you

Already a customer and ready to apply?

Log into your online banking and click Apply for a Loan at the top.

Vinton County National Bank will never contact a customer via phone, e-mail, text message or direct mail asking for any of your credentials including usernames, passwords, account numbers, social security numbers, etc.

All loans are subject to application and credit approval.

Vinton County National Bank

Vinton County National Bank

Checking Account

Don’t have a checking account with VCNB? Now’s the perfect time to start one. Open online today.

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What’s an auto loan?

An auto loan from Vinton County National Bank (VCNB) is a financing option to help you purchase a vehicle. You’ll repay the loan in fixed monthly installments, which include the principal and interest, over a specified term.

How do I open an account online?

VCNB offers financing for new and used cars, trucks, SUVs, and other qualifying vehicles. Contact us for details about specific vehicle eligibility.

How do I apply for an auto loan?

You can apply for an auto loan online through our website, at one of our branch locations, or by calling our customer service team. Be prepared to provide personal information, proof of income, and details about the vehicle you wish to finance.

How long does it take to get approved?

VCNB’s approval process is quick and straightforward. In many cases, you can receive approval the same day, depending on the completeness of your application and required documentation.

What loan terms are available?

Loan terms typically range from 24 to 84 months. Shorter terms may have lower interest rates, while longer terms can reduce your monthly payment.

How do I make my monthly payments?

VCNB offers several convenient payment options:

  • Online through our secure banking portal.
  • Automatic withdrawal from your VCNB account.
  • By mail.
  • In person at any VCNB branch.

Can I refinance my existing auto loan?

Yes, VCNB offers refinancing options to help lower your interest rate or monthly payments. Contact us to learn how refinancing could benefit you.

Can I make extra payments toward my principal?

Yes, VCNB allows extra payments toward your loan principal. This can help you pay off your loan faster and reduce the total interest paid. Be sure to specify that the payment is for the principal when making an extra payment.

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