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MidFirst Bank Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 13 October 2023
Fact checked

MidFirst Bank auto loans overview

MidFirst Bank logo

MidFirst Bank offers flexible vehicle financing in more than 80 banking locations across Oklahoma, Arizona, Colorado, and Texas. You can purchase or refinance new or used
autos, motorcycles, boats, recreational vehicles, and travel trailers. Plus, you can enjoy discounted rates and easy pre-approval.

Want to see what a MidFirst auto loan will cost? Try the MidFirst 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 MidFirst Bank auto loan features

  • Minimum loan amount: $5,000.
  • Maximum loan amount: $100,000.
  • Interest rates: Undisclosed APR.
  • Loan terms: 36 to 72 months.
  • Loan fees: Undisclosed.
  • Discounts: Auto-debit discount with MidFirst Bank checking accounts.

MIDFIRST BANK AUTO LOAN OPTIONS

New and used auto and motorcycle loans

MidFirst offers flexible loans for purchasing or refinancing. You can qualify for an auto-debit discount and extend your loan payments for up to 72 months. To know your rates, you can reach out to the bank for assistance.

Recreational vehicle and travel trailer loans

You can also finance RVs and travel trailers through MidFirst Bank. You can easily get preapproved to check the rates and terms you may qualify for.

Boat loans

If you want to cruise the waves, MidFirst has loans tailored for boats, too. You can borrow up to $100,000 and choose repayment periods of up to 84 months. For new boats, you can finance up to the lesser of 90% of MSRP or 100% of the invoice. Then, for used vehicles, you can fund up to 100% of the NADA trade-in value.

MidFirst 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
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 MidFirst auto loan

Eligibility criteria

While MidFirst doesn’t disclose the criteria, financing requirements commonly include the following:

  • At least 18 years old
  • A legal resident
  • Be employed or have a source of income

Other than qualifying for the basic requirements, check your credit score and debt-to-income ratio (DTI), too. These numbers can affect your rates, terms, and chances of securing credit. That said, aim for a higher credit score and a lower DTI ratio.

What you’ll need to have ready

Personal details

When you apply for auto financing with MidFirst 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

Documents

You may need to provide MidFirst 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.

Try to also inquire about the loan fees that you may need to consider before applying. Knowing the total cost of your loan can help you prepare your budget, expect your expenses, and compare other offers.

Ways to apply for a MidFirst Bank auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 888-643-3477

Additional MidFirst auto loan details

  • Automatic payment: Available.
  • Loan approval times: It may take 1 business day to a few weeks based on your situation.
    Rate discounts: APR discounts for borrowers who set up automatic transfers with MidFirst Bank checking accounts.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile banking, over the phone, by mail, and in a branch.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Flexible repayment periods.
  • Rate discounts with autopay.
  • No prepayment penalties.
  • Equal monthly payments.
  • 24/7 loan access.
  • Low minimum loan amount.
  • Available for used and new cars, motorcycles, boats, RVs​, and travel trailers.
  • Pre-approval offered.
  • Purchase and refinance available.
  • Convenient payment options – online, through the phone, by mail, and in person.

Cons

  • Undisclosed loan rates.
  • Unspecified loan fees.
  • Applicants with low credit scores may get higher APRs.

FREQUENTLY ASKED QUESTIONS

What is the interest rate on a car loan at MidFirst Bank?

MidFirst Bank doesn’t disclose the annual percentage rates online. Nonetheless, note that rates may vary based on your location, creditworthiness, and loan amount.

Are MidFirst auto loan interest rates fixed or variable?

MidFirst’s auto loans have fixed interest rates.

Does MidFirst Bank refinance auto loans?

You can transfer your existing loan to MidFirst to save on your interest payments or adjust your loan term.

Are there early repayment fees on MidFirst vehicle loans?

None. You can pay off your auto loan early without getting charged with prepayment penalties.

Are there discounts available on MidFirst Bank car loans?

You may qualify for a rate discount if you set up auto-debit from a MidFirst Bank checking account.

How to pay my MidFirst auto loan?

You can make your payments online, by phone, through mail, and in person.

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

You may borrow up to $100,000 for a new or used vehicle.

What is the maximum length of a MidFirst car loan?

MidFirst’s auto loans can stretch up to 72 months.

Video: MidFirst Bank | Now is the time

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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