First State Bank Auto Loans
Allow Us to Help You with Your Auto Lending Needs
Thinking About Buying or Refinancing a Vehicle?
At First State Bank, we're here to make auto financing easy. Whether you’re purchasing your first car, upgrading to a new model, or refinancing your current vehicle to save money, our lending team is here to help. With a range of flexible terms and competitive rates, we’ll work with you to create an Auto Loan that fits your budget and your needs.
Ready to Submit an Application?
Have Questions?
Send us a MESSAGE or give us a call (940) 668-4347
Apply for a Auto Loan Today
Online
If you like the convenience of doing everything online from the comfort of your home or office, this option is for you. Applying for a loan with us online is a pretty straightforward process, but we will happily help you out if you need any assistance. Just contact the branch nearest you and we will make sure you get everything set up smoothly.
With a Banker
If you prefer to talk to a person, our friendly and experienced bankers are ready to assist! Contact your local banker and they will gladly walk you through the process.
Auto Loan Terms
| Interest Rate | Loan Amount | Term | Fees |
|---|---|---|---|
|
4.95% - 16.70%
(APR 4.99% - 16.74%)
|
Minimum $1,500 (No Max) |
6 months
(minimum) to
84 months (maximum)
|
$45.00 admin fee
No application fee
and no prepayment penalty
|
Important Disclosures:
Annual Percentage Rate effective as of 9/18/2025.
Subject to Credit Approval. A $45.00 admin fee will be added to the loan amount. No origination or application fee.
Approval process may take longer if additional documents are requested.
Minimum loan amount $1,500. Repayment terms range from 6 - 84months. APR ranges from 4.95% to 16.70%. Loan amount and term are based on vehicle value and applicant credit profile. Proof of insurance is required prior to loan funding. The following example depicts the interest rates, monthly payments, and total payments available for a $50,000.00 loan with a 60-month term: interest rate range of 4.95%-16.70%, 60 payments of $942.42 - $1,234.58 and total Payments of $56,545.01- $74,074.66.
If approved, your loan amount, interest rates and monthly payment may differ from the example based on the length of the term selected, your current income, creditworthiness, and other factors.
We're dedicated to serving you.
Our team is committed to providing top-notch service, ensuring all your needs are met with efficiency and a personal touch.
Customer Service Hours
Monday-Friday: 7:00 am to 11:00 pm
Saturday-Sunday: 9:00 am to 5:00 pm
(940) 665-1711