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First Bank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

A quick review of First Bank auto loans

First Bank logo

First Bank is a family-owned bank with over 100 years of history in the financial services industry. The bank has several branches across California, Illinois, and Missouri. With 1st Bank, you get fixed-rate loans with flexible terms tailored to cars, trucks, SUVs, motorcycles, boats, and RVs. Additionally, you may lock in up to 100% financing for commercial vehicles.

Want to see what a 1st Bank auto loan will cost? Try the First Bank auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key First Bank auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: Undisclosed.
  • Loan terms: Up to 72 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

FIRST BANK LOAN OPTIONS

New and used auto, motorcycle, boat, and RV loans

First Bank has financing options with workable terms of up to 72 months. Whether you’re up for a cozy ride or an adventurous trip, you can fund a variety of vehicles. These include cars, trucks, SUVs, motorcycles, ATVs, motor homes, boats, and personal watercraft. Plus, you can get pre-approved before going to a dealership to know how much you can afford.

Commercial vehicle loans

If you need a truck, van, auto, or other industry-specific vehicle, you can also secure a commercial vehicle loan. 1st Bank offers fixed- and variable-rate commercial vehicle loans. Moreover, you can fund up to 100% of new vehicles and stretch your term to up to 84 months.

First Bank auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
First Bankcorp

First Bankcorp auto loan

First Bankcorp auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate First Bankcorp auto loan
MidFirst Bank

MidFirst Bank auto loan

MidFirst Bank auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate MidFirst Bank auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a First Bank auto loan

Eligibility criteria

Although the bank doesn’t list the specific requirements to finance a vehicle, you commonly need to:

  • Be 18 years old or legal to apply for vehicle financing
  • Be employed or have a reliable source of income

Remember though that financial institutions set different eligibility criteria. So, it pays to understand how to get approved for auto financing. This way, you can compare your options and find the one that increases your chances of getting approved.

What you’ll need to have ready

When you apply for auto financing with First Bank, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide 1st Bank with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Each bank requires different information and documents depending on your circumstance. That said, it’s important to have an idea of the car loan documents you may need during your application. This will help you come prepared, speed up the process, and drive away your dream car sooner.

Ways to apply for a First Bank auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-760-2265

Additional First Bank auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but your application may take a day to a few weeks based on your circumstance.
  • Rate discounts: Potential lower APRs for borrowers with excellent credit scores.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, telephone banking, and in-person.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Unspecified. But in general, banks may limit vehicles to 10 years old.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Unspecified.

PROS AND CONS

Pros

  • Flexible repayment terms extending up to 72 months.
  • Fixed rate for easier monthly payment.
  • Multiple eligible vehicle types – cars, trucks, SUVs, motorcycles, motor homes, ATVs, boats, and personal watercraft.
  • Commercial vehicle loans available.
  • Get pre-approved before heading to a dealer.
  • Borrowers with excellent credit may get more competitive rates.
  • Multiple branches across Missouri, Illinois, and California.

Cons

  • Limited information online.
  • Undisclosed interest rates.
  • Unspecified auto loan fees.

Frequently asked questions

Where can I apply for 1st Bank vehicle finance?

You can inquire online by submitting a form, calling 800-760-2265, or visiting a local branch.

What is the maximum length of a 1st Bank auto loan?

You can fund your auto loan for up to 72 months, while commercial vehicles extend up to 84 months. But remember that your loan term may depend on several factors, including your credit standing, total amount of loan, and collateral.

Does First Bank refinance vehicle loans?

Yes. You can refinance your existing auto loan to lower your monthly payments or adjust your loan term.

What credit score is needed to get an auto loan?

1st Bank doesn’t indicate the credit standards to get a car loan. However, as a rule of thumb, a high credit score can help you secure a lower interest rate and flexible term. Generally, a score above 660 may help improve your application. But remember that all loans are subject to credit approval.

Are First Bank vehicle loan interest rates fixed or variable?

The bank’s auto loans have fixed rates. For commercial vehicles, you can choose between fixed and variable rates.

Video: First Bank, family-owned for four generations

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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