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Auto Loan

The ride of your dreams, or your car for right now, an auto loan from First State Bank can get the keys to a new or used vehicle in your hand – sooner. With competitive rates and convenient payment options, you’ve got the green light on the loan you need.

  • Quick approvals
  • Flexible terms
  • Finance up to 90% of purchase price
  • Convenient payment options
  • 0.375% rate discount with autopay from a First State Bank account
Car Model Year Term Annual Percentage Rate with Automatic Payment* Annual Percentage Rate without Automatic Payment*
New Car 2018-2019 Max. 60 months Varies on term with rates as low as 3.75% Varies on term with rates as low as 4.125%
Used Car 2017 - 2011 Max. 48 months Varies on model year with rates as low as 4.25% Varies on model year with rates as low as 4.625%

Rates current as of: April 12, 2024

For a complete schedule of rates for new and used vehicles, please download our Auto Loan Rates (PDF).

*Lowest annual percentage rate assumes excellent credit history, automatic loan payment from a FSB account, 10% down payment on a new car financed for 60 months.  A $25,000 loan under these assumptions, including a $75 service fee, would result in a $459.00 monthly payment.

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Loans subject to credit approval, verification and collateral evaluation.

Fair Lending: The Federal Fair Lending laws, (Fair Housing Act, Equal Credit Opportunity Act, Community Reinvestment Act, and the Home Mortgage Disclosure Act), prohibit discrimination in credit transactions. In accordance with the these laws, First State Bank promotes fair housing choice and does not discriminate against any person on the basis of race or color, religion, national origin, sex, marital status, age, lawful source of income, familiar status, handicap, disability, sexual orientation or gender identity.