Auto Loans

Financing your new or used vehicle has never been easier

Cruise into summer with your dream vehicle

Whether you're looking to buy a new car or refinance your existing auto loan, our auto financing team can help. We'll guide you through the lending process, lock in your interest rate and get you back into the driver's seat. Plus, save even more now on a new auto loan with our summer promotion, giving you an additional 0.5% off APR from May 1 to August 31 when you sign up for autodraft payments.

Fixed rates

Get a low monthly payment thanks to our competitive interest rates.

Flexible terms

Up to 84-month terms available for new auto loans.

Quick and easy access

Access your auto loan funds in as little as 24 hours.

Let's accelerate your funding
Summer Savings

Don't miss our limited-time discount

Enjoy an extra 0.5% rate discount for a limited time through August 31 during our Cruise into Summer autodraft promotion.

Promotional Rate

Save more when you finance your vehicle with a new auto loan

Rates as low as
Rate reflects 0.5% discount with autodraft

Auto Loan Benefits

Make it easier than ever to get a new ride

Whether you're buying new or simply a new-to-you car, we've got the car loan you need.

  • Pay for new and used vehicles
  • Spend less over time with an additional 0.5% savings on interest now through August 31 when you enable autodraft payments
  • Get access to competitive fixed rates
  • Secure your financing and auto insurance in the same transaction
  • Funding options include dealer purchase, private purchase and refinance

How to get started

Buying a new or used vehicle is easier when you understand how to get an auto loan. Even if you're buying a new car from a dealership, you can choose where to get your financing—which can lead to substantial savings.

Step 1

Shop for a car

The first step toward getting an auto loan is finding the car you'd like to buy. This could mean a new or used car from a dealership or a private seller. Shopping around and comparing prices will help you find the best deal.

Step 2

Apply for an auto loan

Contact us or visit a local branch to apply for an auto loan. One of our friendly lending experts will gather information about you and the vehicle you'd like to purchase.

Step 3

Prepare for closing

As we prepare to finalize your loan, we may reach out to you for more information. Feel free to ask any questions about the loan process—we're here to be your guide.

Step 4

Close your loan to receive your funds

Lastly, you'll sign closing documents to finalize your auto loan. After closing, you'll receive your funds, which could arrive in as little as 24 hours. Then you can return to the seller to buy and enjoy your new ride.

Digital Banking

Bank from anywhere with your mobile devices

Track your spending habits

Seamlessly move your money

Set alerts for transactions

Digital Banking

Bank from anywhere with your mobile devices

Track your spending habits

Digital Banking

Bank from anywhere with your mobile devices

Seamlessly move your money

Digital Banking

Bank from anywhere with your mobile devices

Set alerts for transactions

Auto Insurance

Protect all your vehicles

Find the right combination of coverage for your vehicle and its passengers.
Online Savings

Save online, simply and conveniently

Open an online savings account with a low minimum opening deposit of $50.
Auto Loans FAQ

People often ask us

Anyone who's purchasing a car or light truck can apply for an auto loan at First Citizens.

To get the quickest turnaround on your funds, we recommend that you find the car you want to purchase before applying for an auto loan.

For auto loans, the minimum amount is $2,500 and the maximum is $200,000. The maximum term is 84 months for loans greater than $50,000 and 72 months for loans less than $50,000.

You can talk to a banker for more information about auto loans.

Car owners should ensure they're complying with their state's auto insurance requirements. Your lender will collect your insurance information as part of the loan process. It's recommended that car owners carry a full range of auto insurance to protect their finances against damage or loss.


A few financial insights for your life

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Account openings are subject to normal bank approval.

Normal credit approval applies.

This application is not available for Wisconsin residents. Please call us to apply or visit your local branch.

Terms and conditions subject to change.

Annual Percentage Rate (APR) is {product.AL.Promo_APR_RT} as of {product.AL.DISC_APR_DT}, to qualifying applicants for a fixed-rate auto loan amortized over 5 years, and includes discounts for autodraft. APR is based upon a rate of {product.AL.DISC_INIT_PF_RT} and an origination fee of $100.

For example: An auto loan with an amount financed of $30,000 at a {product.AL.DISC_INIT_PF_RT} fixed rate and including a $100 origination fee would have an APR of {product.AL.Promo_APR_RT} and you would make 60 payments of {product.AL.DISC_PMT_RANGE1_DL} and pay total interest of {product.AL.DISC_TTL_INT_DL}.

Advertised APR is the lowest APR available and assumes excellent credit history and a discount for autodraft. Other rates and terms are available based on loan amount and customer credit profile.

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