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FAST APPLICATION. COMPETITIVE RATES. QUICK DECISIONS.

Rates Effective: 11/8/2024

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

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2021 and Newer Model Years

Term APR as low as* Special APR as low as*
12 Months 8.91% 6.50%
24 Months 8.96% 6.60%
36 Months 9.04% 6.73%
48 Months 9.28% 6.87%
60 Months 9.52% 7.01%

2014-2020 Model Years

Term APR as low as* Special APR as low as*
12 Months 9.41% 7.00%
24 Months 9.46% 7.10%
36 Months 9.54% 7.23%
48 Months 9.78% 7.37%
60 Months 10.02% 7.51%


2013 and Older Model Years

Term APR as low as*
12 Months 10.21%
24 Months 10.26%
36 Months 10.34%
48 Months 10.58%
60 Months 10.82%
  • *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 2021 and newer model years, 20% for 2014-2020 model years, and 30% for 2013 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 2024 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 2021 or newer vehicle with a 60-month term with $26.90 in closing costs: 60 monthly payments of $630.36 and an APR of 9.52%. 

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