Auto Loans

Beneficial Banking Auto Loans

Beneficial State provides a wide range of auto financing options. Whether you are looking to purchase a new or used vehicle to refinance an existing loan for better terms or pay for an expected expense, we have a product to fit your needs. Ready to apply? You can begin your auto loan application with Beneficial State Bank right here. Select the desired loan product below to start your application today.

Coming Soon

On April 1, 2021, Beneficial State Bank will transition to a NEW auto loan payment portal. The new payment portal will have additional payment options making it easier and convenient for you to make your auto loan payment.

Your auto loan number will not be affected, please continue to use your eight- or nine-digit loan number. All terms and conditions of your auto loan will remain the same. You can continue to mail in your check payments to PO Box 2900, Porterville, CA 93258.


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If you have an auto loan with Beneficial State and you're ready to make a payment, click the button below:


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Mailing a Payment?

  • Payment Address: Beneficial State Bank PO Box 2900 Porterville CA 93258
  • Overnight Address: Beneficial State Bank 268 N Main St Porterville CA 93257

Coronavirus Update

If the economic impact of the current pandemic has made it difficult to make your monthly loan payment, please contact us at 800-550-5790 to discuss alternative payment options. If you are a borrower in good standing, you may qualify for payment deferral.

Apply for a Beneficial Banking Auto Loan

Auto Purchase or Refinance

We offer financing options for new and used autos, vans, and trucks (non-commercial use). Whether you are looking to purchase a vehicle or refinance for better terms, we have a solution for you.

Pre-approvals – Maintain your buying power and get pre-approved before you go to the dealer. Know your lending terms before you shop.

Auto Loan Refinance – Do you have a current auto loan and need a lower rate or payment? Ask us about our refinance options.

Auto Equity – Cash Out

Do you have an unexpected expense? Are you looking to consolidate debt?

Use the equity on your vehicle as a positive alternative to a payday title lender and get the cash you need.

Need assistance? Contact us at 888-326-2265.

Click Here to Apply


Clean Vehicle Loans

Clean Vehicle Assistance Program

Beneficial State Bank is a preferred lender for multiple clean vehicle programs. If your purchase is combined with any program incentive or grant, please be sure to select the appropriate program and/or Grant Approval ID. 

NOTE: Any approved application in conjunction with a clean vehicle program will require verification of program/grant prior to funding. 

If you have not received a Grant Approval ID yet, you can still apply. If your loan application is approved, you will be required to provide a Grant Approval ID before your loan can be funded.