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First National Bank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 11 October 2023
Fact checked

A quick review of First National Bank auto loans

First National Bank logo

First National Bank provides flexible auto loans across the District of Columbia, Maryland, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, and West Virginia. Whether they’re new or used, you can finance different types of vehicles from dealers or private sellers. These include cars, boats, yachts, motor homes, and travel trailers.

Want to see what an FNB auto loan will cost? Try the First National 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 National Bank auto loan features

  • Minimum loan amount: $7,500.
  • Maximum loan amount: $100,000.
  • Interest rates: From 6.24% APR.
  • Loan terms: Up to 72 months.
  • Loan fees: Undisclosed.
  • Discounts: Autopay discount.

FIRST NATIONAL BANK LOAN OPTIONS

New and used auto loans

FNB has pre-owned and new auto loans. For as low as 6.24% APR, you can finance new vehicles. Meanwhile, rates start at 6.34% APR for used vehicles. But if you want an older vehicle, used 2014 to 2018 models start at 7.39% APR.

Recreational vehicle loans

If you want to finance your road trip, the bank offers RV loans, too. You can borrow from $25,000 to $75,000 for new or used motor homes and travel trailers. For used RVs, eligible vehicles include the prior 5 model years.

Boat and yacht loans

You can also buy new or pre-owned watercraft through a dealer or private seller. First National Bank has loans for boats and yachts, and you can borrow up to $125,000. However, you can only finance a marine vessel up to 8 years old.

First National 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
FNB Corporation

FNB Corporation auto loan

FNB 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 FNB Corporation 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 National Bank auto loan

Eligibility criteria

Though FNB doesn’t list the criteria for vehicle financing, it typically includes the following:

  • Be 18 years old or older
  • Be a U.S. citizen or permanent resident
  • Be employed or have a stable source of income

Other than assessing your eligibility, consider checking your credit score, too. Banks may have different requirements, but they commonly offer the best rates to borrowers in good credit standing. Knowing your score can help you weigh your chances and find lenders that work best for you.

What you’ll need to have ready

Personal details

When you apply for auto financing with First National 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 FNB 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.

Plus, it helps to check if the bank requires any down payment. This will help you prepare your budget. And remember, the larger your cash down payment is, the lower your loan amount will be.

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 833-226-5362

Additional First National Bank auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may take 1 business day to a few weeks based on your application.
  • Rate discounts: 0.25% interest rate discounts with autopay from an FNB account..
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed
  • Co-borrowers allowed: Undisclosed
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile banking, automatic transfers, and telephone banking.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Used vehicles should be up to 9 model years.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Unspecified.

PROS AND CONS

Pros

  • Borrow up to $100,000 of the total purchase price.
  • Competitive rates.
  • 0.25% APR autopay discount.
  • Fixed rates for easier monthly payment.
  • Different vehicles available – new and pre-owned autos, boats, yachts, motor homes, and travel trailers.
  • Easy online application.
  • Convenient online access.

Cons

  • Undisclosed loan fees.
  • Applicants with low credit scores may get higher rates.
  • Only available in selected states (PA, OH, MD, VA, WV, NC, SC, and District of Columbia).

FREQUENTLY ASKED QUESTIONS

Are there discounts available on First National Bank automobile loans?

You can have a 0.25% rate discount when you set up automatic payments from your FNB account.

Are FNB auto loan interest rates fixed or variable?

FNB’s vehicle loans are fixed rates.

Can I apply for First National Bank vehicle finance online?

Yes. You can submit your application online.

How much do I qualify for with a First National Bank auto loan?

The maximum loan amount is $100,000. Remember though that it may depend on your credit profile, repayment term, and overall situation.

Are the auto loans available in all 50 states?

First National Bank serves Pennsylvania, Ohio, Maryland, Virginia, West Virginia, North Carolina, South Carolina, and the District of Columbia.

Will applying for vehicle finance with FNB affect my credit score?

The bank will make a hard credit check when you apply for auto financing. This will appear on your credit report, so it temporarily dings your score by a few points.

What is the maximum length of a First National Bank car loan?

You can make your car payment for up to 72 months.

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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