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First Horizon Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

First Horizon Bank auto loans overview

First Horizon National Corporation logo

First Horizon National Corporation first opened its doors in Memphis in 1864 and now has over 417 branches. With First Horizon, customers can secure vehicle loans with longer terms of up to 72 months and equal monthly payments. The bank also offers loans tailored to boats, yachts, and different types of recreational vehicles.

Want to see what a First Horizon auto loan will cost? Try the First Horizon National Corporation 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 payment.

Key First Horizon Bank auto loan features

  • Minimum loan amount: $10,000.
  • Maximum loan amount: $75,000.
  • Interest rates: Undisclosed.
  • Loan terms: 12 to 72 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

FIRST HORIZON BANK LOAN OPTIONS

New and used auto loans

First Horizon offers financing up to $75,000 and flexible repayment periods of up to 60 months. For loans $50,000 and up, you can stretch your term up to 72 months, but collateral should be 3 years old or newer. However, you need to make your purchase in a dealership.

RV loans

If you’re looking to fund a motorhome, travel trailer, or fifth wheel, you can also secure an RV loan from First Horizon Bank. With this loan, you can borrow up to $250,000 and finance your vehicle for up to 240 months.

Boat loans

First Horizon can help you finance your water cruise, too. The bank has boat and yacht loans with terms extending up to 240 months. Plus, you can borrow up to $250,000. To know the competitive rates you qualify for, you can contact First Horizon.

First Horizon 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

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First Horizon National Corporation

First Horizon National Corporation auto loan

First Horizon National Corporation 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 Horizon National Corporation auto loan
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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.
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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 Horizon National Corporation auto loan

Eligibility criteria

  • A U.S. citizen
  • 18 years or older
  • A resident of Alabama, Arkansas, Georgia, Florida, Louisiana, Mississippi, North or South Carolina, Tennessee, Texas, Virginia, Kings (Brooklyn), Nassau, New York, or New Jersey

Online applications can only take less than 10 minutes. But to apply online, you need to be an existing First Horizon customer. If you’re a new customer, you need to visit a First Horizon Banking Center. Plus, you need to buy from a dealership.

What you’ll need to have ready

When you apply for auto financing with First Horizon 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 First Horizon 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 financial institution has a unique set of requirements. Ensure you know the auto loan documents you need so that you can prepare ahead of time. Moreover, this can help you get approved faster and drive your car sooner.

Ways to apply for a First Horizon Bank auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-615-1933

Additional First Horizon auto loan details

  • Automatic payment: Available.
  • Rate discounts: Potential lower APRs for borrowers with high 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 banking, and in person.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: 4 years old.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Motorcycles, ATVs, kit cars, salvaged titles, and commercial vehicles ineligible.

PROS AND CONS

Pros

  • Up to 90% of financing based on the trade value or purchase price.
  • Flexible repayment terms.
  • Automatic payments available.
  • Multiple vehicles available – autos, boats, yachts, motorhomes, travel trailers, fifth wheel.
  • Equal monthly loan payment.
  • Delayed purchase allowed.
  • Purchase and refinance available.
  • Borrowers in good credit standing may get a competitive rate.

Cons

  • Undisclosed interest rates online.
  • Undisclosed loan fees.
  • Individual-to-individual purchases are not allowed.
  • Cashout refinance not allowed.

Frequently asked questions

How to apply for an auto loan at First Horizon?

You can complete your application online if you’re an existing digital banking user. On the other hand, you need to visit a branch if you’re a new customer.

What is the maximum term of a First Horizon Bank auto loan?

First Horizon offers auto loans with up to a 72-month term.

How much do I qualify for with a First Horizon car loan?

You can finance up to $75,000. Remember though that your maximum loan amount may depend on several factors, like your credit standing, collateral, and term.

How to buy a car with a First Horizon Bank auto loan?

Purchases should be made in a dealership since individual-to-individual purchases aren’t allowed.

What information do I need to provide when applying for a First Horizon auto loan?

When you apply for vehicle financing, you need to prepare your date of birth, contact information, monthly income, employer information, and Social Security number.

How long does it take to apply for a First Horizon Bank car loan?

Online applications can take less than 10 minutes to complete.

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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