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FAST APPLICATION. COMPETITIVE RATES. QUICK DECISIONS.

Rates Effective: 1/31/2024

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 9.64% 7.23%
24 Months 9.70% 7.34%
36 Months 9.78% 7.47%
48 Months 10.03% 7.62%
60 Months 10.27% 7.76%

2014-2020 Model Years

Term APR as low as* Special APR as low as*
12 Months 10.14% 7.73%
24 Months 10.20% 7.84%
36 Months 10.29% 7.97%
48 Months 10.53% 8.12%
60 Months 10.77% 8.26%


2013 and Older Model Years

Term APR as low as*
12 Months 10.94%
24 Months 11.00%
36 Months 11.09%
48 Months 11.33%
60 Months 11.57%
  • *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 10.00% for 2021 and newer model years, 20.00% for 2014-2020 model years, and 30.00% 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 model year 2019 and newer. Minimum down payment is 10% for 2023 and newer model years, 30% for 2021-2022 model years and 50% for 2019-2020 model years. 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 $30,000.00 loan on a 2021 or newer vehicle with a 60-month term with $24.88 in closing costs: 60 monthly payments of $641.11 and an APR of 10.27%. 
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