Skip to main content

Menu

 Menu
Auto loan banner

Auto Loan Rates

 Section Menu

FAST APPLICATION. COMPETITIVE RATES. QUICK DECISIONS.

Rates Effective: 12/11/2025

Learn more about auto loans and how to get prequalified so you can shop for your vehicle with confidence.  

Apply Online or  Contact Us

2022 and Newer Model Years

Term APR as low as* Special APR as low as*
12 Months 8.59% 6.18%
24 Months 8.32% 5.95%
36 Months 8.29% 5.97%
48 Months 8.47% 6.06%
60 Months 8.68% 6.17%

2015-2021 Model Years

Term APR as low as* Special APR as low as*
12 Months 9.09% 6.68%
24 Months 8.82% 6.46%
36 Months 8.79% 6.47%
48 Months 8.97% 6.56%
60 Months 9.18% 6.67%


2014 and Older Model Years

Term APR as low as*
12 Months 9.90%
24 Months 9.62%
36 Months 9.59%
48 Months 9.77%
60 Months 9.98%
  • *APR = Annual Percentage Rate
  • Special APR includes discount for automatic payment from a First National Bank deposit account with direct deposit, as well as other minimum requirements. Borrowers will lose discount if they fail to meet the Special APR qualifications during loan term.  
  • New money to First National Bank only, does not include adding money to a pre-existing First National Bank loan. 
  • Rates quoted are fixed and subject to change. 
  • Some additional restrictions may apply. 
  • All loans subject to full underwriting procedures and approval. 
  • Minimum down payment amount is 10% for 2022 and newer model years, 20% for 2015-2021 model years, and 30% for 2014 and older model years. 
  • Vehicles with salvage or rebuilt titles will not be accepted as collateral.
  • First National Bank will only finance Electric Vehicles (EVs) which are brand new (model year 2025 and newer). Minimum down payment is 30%. EVs with salvage or rebuilt titles will not be accepted as collateral. 
  • Loan payment and APR will vary based on the term, loan amount, vehicle age, and applicable fees. Estimated monthly payment example: a $30,000 loan on a 2022 or newer vehicle with a 60-month term with $126.05 in closing costs: 60 monthly payments of $615.50 and an APR of 8.68%.

  How Can We Help?

Back to Top