Whether you are looking to refinance or purchase a new or used car, we have the lending solution to put you behind the wheel. From enjoying that new car smell to driving confidently knowing you got the best deal possible, we can help steer you in the right direction.


  • Competitive rates
  • Quoted rates guaranteed for 30 days
  • $5,000 minimum to $50,000 maximum loan amounts
  • New Cars - Terms up to 60 months (72 months by exception)1
  • Used Cars - Terms up to 60 months depending on model year

For a timely response you must direct all billing inquiries and requests for information on your loan to:  ESSA Bank & Trust, Attn: Loan Servicing, PO Box L, Stroudsburg, PA 18360-0160.


Terms up to 72 months are available for new automobiles when amount financed exceeds $20,000 and credit score is 700 or higher.

All loans are subject to credit approval.