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FAST ONLINE APPLICATION. COMPETITIVE RATES. QUICK DECISIONS.

Buying a new vehicle is an exciting venture, regardless of whether it's new or new-to-you. There's the thrill of the test drive, finding a vehicle with all of the latest comforts and technology, and then locating a vehicle that doesn't break your budget. 

Is there anything that could make it an even better experience? Yes! There's nothing better than knowing your vehicle is being financed through a local, community bank with more than 100 years of lending experience and lenders that sincerely care about you. That's what you get when you finance your vehicle through First National Bank.


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Apply online. If you're ready to apply for a loan, select the loan type below that fits your situation and click on the "Apply Online" button to complete the quick application.

Apply in-person. If you prefer, you can still stop by any of our bank locations; and we would be glad to assist you with your application. 

Prequalification. If you are just starting out on your vehicle-buying journey and want to know approximately how much you may be able to borrow, contact a lender using the "Contact Us" button.  

Contact us. Don't hesitate to contact us at any time before or during the loan application process. We're always happy to be of assistance.     


Vehicle Financing & Refinancing Loan Options

New vehicle loan

New or Newer Vehicle Loan Purchase

  • 2021 and newer model years
  • Auto, truck, motorcycle or recreational vehicle
  • Easy online application
  • Fast credit decision
  • Optional loan prequalification
  • Fixed rate
  • Special rate for qualified applicants
  • Minimum 10% down payment on autos and trucks*
  • See our competitive rates.

Apply Online

Used Vehicle Loan

Used Vehicle Loan Purchase

  • 2014-2020 model years
  • Auto, truck, or motorcycle
  • Easy online application
  • Fast credit decision
  • Optional loan prequalification
  • Fixed rate
  • Special Rate for qualified applicants
  • Minimum 20% down payment on autos and trucks*
  • See our competitive rates.

Apply Online

Older Used Vehicle Loan

Older Used Vehicle Loan Purchase

  • 2013 and older model years
  • Auto, truck, or motorcycle
  • Easy online application
  • Fast credit decision
  • Fixed rate
  • Optional loan prequalification
  • Minimum 30% down payment on autos and trucks*
  • See our competitive rates.

Apply Online

New vehicle refinancing

New Vehicle Loan Refinance

  • 2021 and newer model years
  • Auto, truck, motorcycle, or recreational vehicle
  • Easy online application
  • Quick credit decision
  • Fixed rate and loan term determined according to vehicle model, balance on existing loan, and applicant's creditworthiness 
  • May be able to lower your monthly vehicle payment

Apply Online

Older Vehicle Loan Refinance

Older Vehicle Loan Refinance

  • 2020 and older vehicles
  • Auto, truck, motorcycle, or recreational vehicle
  • Easy online application
  • Quick credit decision
  • Fixed rate and loan term determined according to vehicle model, balance on existing loan, and applicant's creditworthiness 
  • May be able to lower your monthly vehicle payment

Apply Online

*Minimum down payments: 33.33% on motorcycle loans; and 20% for recreational vehicle loans

Vehicle loans are secured loans, using the vehicle you're buying as collateral. 

First National Bank does not provide financing for vehicles issued a "Salvage" or "Rebuilt" title. When a vehicle's title is classified as a "salvage" title, this means that the vehicle has either been severely damaged or totaled, and is considered unsafe for the roadway. A "rebuilt" title is issued to a vehicle that was previously assigned a salvage title, but was subsequently repaired and inspected by the state. Buyers should be cautious when purchasing a vehicle with a salvage or rebuilt title. 

First National Bank does not finance watercraft. 

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