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Auto, Boat & RV Loans

Perhaps you are in the market for a new fuel-efficient car or a pickup that’s been around the block a time or two. Whatever the choice, Lake City Bank offers attractive and competitive rates and terms.

Get a pre-approved loan so you can shop and negotiate with the peace of mind that your financing is secure and approved.

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Benefits

  • Competitive rates and excellent terms
  • Affordable monthly fixed payments
  • 0.25% interest rate discount with an automatic payment from a Lake City Bank account
  • Payment Protection available in the event of death or disability

Protect Your Investment with GAP and MBP

Guaranteed Asset Protection (GAP)1 — When you finance your vehicle with a small down payment or for extended terms, your comprehensive and collision insurance may not be enough to pay off the loan balance if your vehicle is stolen or damaged beyond repair during the term of your loan. GAP will protect you for the difference between the amount you owe on the loan and the depreciated value of the vehicle.

Mechanical Breakdown Protection (MBP)1 — MBP provides protection against mechanical breakdowns above and beyond the original manufacturer’s warranty. It also includes 24-hour assistance for extra peace of mind.

Click here for more information about Guaranteed Asset Protection and Mechanical Breakdown Protection, or to get an instant quote on the cost of the coverage.

Lake City Bank car, truck, boat, motorcycle and RV loans are subject to credit approval. You are required to maintain physical damage insurance for the full term of your loan naming Lake City Bank as loss payee.

1The purchase of Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP) is voluntary and cannot be required as a condition of loan approval. The protection is optional for loan products. GAP and MBP do not cover delinquent payments or past-due charges. Some loan types may not be applicable.

Auto Loan Calculator

How much will your monthly auto loan payment be? Use this calculator to determine how much your monthly auto loan payment will be, based on vehicle price and loan information.

Elan Credit Card Promo

Introducing your new favorite card trick.

Looking for a little extra cash? Lake City Bank’s VISA® Credit Card pays you up to 3% on the purchases you make every day – with no annual fee.
Learn More

Unlimited Cash Card. Offer expires 1/31/2027.

Consumer Loan Inquiry

Thank you for your interest in Lake City Bank.

Lake City Bank accepts loan applications in our market area only, which includes Northern and Central Indiana. However, Lake City Bank reserves the right to make exceptions to this policy based on the individual situation.

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Banking Tips & Insights

6 Smart Tips for Buying a Car

Buying a car is a major purchase, and there’s more to consider than choosing a make and model. The right car for you also needs to fit your budget, driving habits and long-term plans.

Before you head to the dealership, take some time to consider your options and understand what you can comfortably afford. These six tips can help you approach the car-buying process with confidence.