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Centinel Bank employees at the Home Expo in Taos.

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Consumer Loans

Unique Loans for Unique Circumstances

As Taos County’s premier independent locally owned community bank, we are always looking for ways to help you figure out your unique situation

New or Pre-Owned Vehicle Loans

For your next auto purchase, let Centinel Bank help you with your transportation needs or desires. Whether it’s getting to work, getting to school, exploring, or letting the wind blow through your hair, transportation plays an important role in our daily lives. Centinel Bank provides competitive financing for new or used autos.

New Vehicle Loans

  • Finance up to 80% of purchase price or NADA value-whichever is less
  • Up to 60 month terms available
  • Competitive interest rates
  • Automatic payment feature on all loans

Pre-Owned Vehicle Loans

  • Finance up to 80% of purchase price or NADA value - whichever is less
  • Up to 60 month terms available
  • Additional terms and conditions for vehicles older than five years may apply
  • Competitive interest rates
  • Automatic payment feature on all loans

Recreational Vehicles

If you are dreaming about that winter or summer toy, Centinel Bank has the financing to make your dream become a reality. We offer financing for all types of recreational vehicles so you can enjoy time in the great outdoors. Only 20% down payment

  • Up to 60 month terms available on new recreational vehicles
  • Competitive interest rates
  • Automatic payment feature on all loans
  • Additional terms and conditions for recreational vehicles older than five years may apply

Unsecured Personal Loans

Your good credit history, relationship with Centinel Bank and ability to repay qualify you for an unsecured loan. These loans are convenient to help consolidate debt, seize opportunities, or manage unexpected needs. Unsecured loan terms may be offered up to 24 months providing flexibility, ease and convenience. 

Other Secured Personal Loans

Centinel Bank offers loan products to assist in providing necessary resources to tap into your real buying power. Take advantage of a secured loan to buy something special, take a much deserved vacation, or meet other financial obligations. Collateral for these types of loans can be bank certificates of deposit, titled vehicles, real estate, and other personal property. Flexible payment terms are available.

OOPS – "Our Overdraft Protection"

OOPS accounts are like having “extra cash” when you need it - putting an end to accidental overdrafts. OOPS will automatically advance funds to your checking account to cover unexpected overdrafts. All you need is a Centinel Bank checking account and an approved OOPS application.  If you are interested, please bring a completed and signed  Consumer Credit Application in order to expedite the approval process.

Let’s Get Started

We would love the opportunity to meet with you and discuss your unique situation.  Please contact our Loan Department to schedule some time to meet with a loan officer.  At the time of your appointment, please bring a completed and signed  Consumer Credit Application in order to expedite the loan review process.

We look forward to meeting with you and discussing your loan request.