Auto Loan Rates
Fast Application. Competitive Rates. Quick Decisions.
Rates Effective: 9/21/2026
Learn more about auto loans and how to get prequalified so you can shop for your vehicle with confidence.
2023 and Newer Model Years
| Term | APR as low as* | Special APR as low as* |
|---|---|---|
| 12 Months | 8.84% | 6.43% |
| 24 Months | 8.57% | 6.20% |
| 36 Months | 8.54% | 6.22% |
| 48 Months | 8.72% | 6.31% |
| 60 Months | 8.93% | 6.42% |
2016-2022 Model Years
| Term | APR as low as* | Special APR as low as* |
|---|---|---|
| 12 Months | 9.34% | 6.93% |
| 24 Months | 9.07% | 6.71% |
| 36 Months | 9.04% | 6.72% |
| 48 Months | 9.22% | 6.81% |
| 60 Months | 9.43% | 6.92% |
2015 and Older Model Years
| Term | APR as low as* |
|---|---|
| 12 Months | 10.15% |
| 24 Months | 9.87% |
| 36 Months | 9.84% |
| 48 Months | 10.02% |
| 60 Months | 10.23% |
- *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 2023 and newer model years, 20% for 2016-2022 model years, and 30% for 2015 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 2026 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 2023 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%.
Ready to Get Behind the Wheel?
Whether you've already found the right vehicle or are just beginning your search, we're here to help you finance your next ride.
