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  1. Home
  2. Loans

Auto Loans

New or used car, truck, van or SUV
  • Rates as low as 5.55% APR1
  • Apply and shop with check in hand
  • Decisions in as little as one business day for most applications
  • Flexible terms to fit your budget

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Home Equity Loan

Single Payout
  • Fixed rate and term
  • Fixed monthly payments help with budgeting

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Home Equity Line of Credit

Access funds on an ongoing basis
  • 3.99% Intro APR for 6 months on new home equity lines of credit then as low as 6.50% variable APR2

View Details

Boat Loans

New or used boat
  • Low boat loan rates
  • Apply in just minutes

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Mortgages

Buy or refinance a home
  • Low rates, low fees and closing costs
  • Quick application
  • Flexible terms
  • Seasoned mortgage professionals guide you through the process

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  1. 1 Rates effective May 1, 2026, subject to change without notice. Rate includes a 0.25% reduction for Preauthorized Transfer from an Elements checking account set up at closing. Rate reduction is subject to increase if the Preauthorized Transfer is discontinued. Each individual’s Annual Percentage Rate (APR) is determined by Elements’ underwriting criteria. Rate may vary depending on credit history, vehicle model year, and loan term. Not all applicants will qualify for the displayed lowest rate. A documentary fee of $235 applies to all booked auto loan applications. Interest charges begin accruing as of the loan funding date. APR calculation and estimated monthly payment in Auto Loan rate table based on loan amount of $30,000, FICO® score of 790 or greater, term of 54 months. Payments shown does not include taxes or insurance premiums. Subject to credit approval. Additional conditions may apply.  Please call for rates for terms other than 54 months. Private party sales outside of Indiana and non-franchise dealerships (Carvana, Enterprise, etc.) are not available for financing at Elements Financial. Elements Financial refinances subject to $200 refinance fee.
  2. 2 Rates are based on an evaluation of credit history, combined loan-to-value ratio, loan term, and occupancy, so your rate may differ. Not all applicants will qualify for the displayed lowest rates. The term is 25 years, consisting of a 10-year draw period with interest-only payments followed by a 15-year repayment period with principal plus interest, which may increase your monthly payments. The Introductory Annual Percentage Rate (APR) of 3.99% applies for the first six months and is available for new Home Equity Lines of Credit (HELOCs) and for existing HELOCs that meet qualification requirements. Effective May 1, 2026, existing Elements HELOCs that have been open and active for at least 60 months may be renewed or rewritten and are eligible for the Introductory APR. HELOC modifications, renewals, or increases that use the same property but have not been open and active for at least 60 months are not considered new accounts and are not eligible for the Introductory rate. To qualify for the Introductory rate, a minimum draw of $10,000 must be completed within 30 days of account opening.  After the Introductory rate expires, balances will be charged at the variable APR based upon the Prime rate as published in The Wall Street Journal plus a margin. The APR will never be lower than 3.75% or higher than 18%. The stated rate, correct as of May 1, 2026, applies to borrowers with credit scores of 790 or greater, CLTV 80% or less, and owner-occupied single-family residences. Elements Financial will conditionally waive the following Closing Costs associated with your home equity line of credit: flood certification, title search or title abstract, credit report, recording fees, and a simple valuation. You may be required to pay other costs such as taxes, and when required, appraisal fees. However, if you close your home equity line of credit within 36 months after it is opened, you will be required to pay an Early Closure Fee in the amount of the Closing Costs originally waived. These costs vary by state and property type. Elements Financial reserves the right to modify or end this offer at any time. Additional terms and conditions may apply. Subject to credit approval. Elements Financial Membership Required.