Auto Loans

Take your next right turn. Our competitive auto financing and refinancing options get you where you want to go.

Apply Now  – Auto LoanView Rates 
HomeBorrowAuto Loans

Car loans made easy.

Drive away in your new or used vehicle with hassle-free financing.

For a limited time, your first payment may be deferred up to 60 days!**

Whether it’s your first automobile purchase or one of many, see how beneficial auto loan financing with First Financial can be:

Features

  • Budget-friendly auto loan rates
  • Apply for pre-approval so you can shop with confidence
  • Loan terms up to 84 months
  • Up to 135% loan-to-value financing
  • Browse available vehicles at our select partner dealers with AutoSMART
  • Asset protection when you add GAP Plus coverage to cover a loss

Effective Date: 8/19/2026

Auto Loan
Maximum TermNew Auto APR* as low asMonthly Payment per $1,000 Borrowed (New)Used Auto APR* as low asMonthly Payment per $1,000 Borrowed (Used)
60 months4.49%$18.654.74%$18.76
72 months4.75%$16.005.00%$16.51
84 months5.49%$14.375.74%$14.49

*Annual Percentage Rate (APR) based on product, creditworthiness, loan amount, loan to value, and term. All loans subject to credit approval. Other terms and conditions may apply. Amounts may vary. Motorcycles excluded. Currently not processing lease buyouts or private party transactions.

Apply Now 

** Interest continues to accumulate until the first payment is made. Not all borrowers will qualify for the maximum deferral period.

New Auto APR* as low as:

4.49%

Used Auto APR* as low as

4.74%

Loan Terms:

60-84 months

Auto refinancing today, more cash tomorrow.

Paying a high rate on your existing auto loan? Refinance with us for a better rate and keep more of your hard-earned money. Plus, for a limited time, your first payment may be deferred up to 60 days!**

Effective Date: 8/19/2026

Auto Loan Refinance
Maximum TermUsed Auto APR* as low asMonthly Payment per $1,000 Borrowed
60 months4.74%$18.76
72 months5.00%$16.51
84 months5.74%$14.49

*Annual Percentage Rate (APR) based on product, creditworthiness, loan amount, loan to value, and term. All loans subject to credit approval. Other terms and conditions may apply. Amounts may vary. Motorcycles excluded. Currently not processing lease buyouts or private party transactions.

Apply Now  – auto refinance

** Interest continues to accumulate until the first payment is made. Not all borrowers will qualify for the maximum deferral period.

APR* as low as:

4.74%

Loan Terms:

60-84 months

AutoSMART Dealer Partnership

Browse available vehicles at our select partner dealers and get pre-approved ahead of time, making your purchase even more hassle-free.

 

Start Browsing   – autosmart

Guaranteed Asset Protection (GAP) Plus

GAP Plus can cover the difference between what you owe and what your insurance company pays on an outstanding loan.

Learn More  about gap

While we hope you find this content useful, it is only intended to serve as a starting point. Your next step is to speak with a qualified, licensed professional who can provide advice tailored to your individual circumstances. Nothing in this article, nor in any associated resources, should be construed as financial or legal advice. Furthermore, while we have made good faith efforts to ensure that the information presented was correct as of the date the content was prepared, we are unable to guarantee that it remains accurate today.

Neither Banzai nor its sponsoring partners make any warranties or representations as to the accuracy, applicability, completeness, or suitability for any particular purpose of the information contained herein. Banzai and its sponsoring partners expressly disclaim any liability arising from the use or misuse of these materials and, by visiting this site, you agree to release Banzai and its sponsoring partners from any such liability. Do not rely upon the information provided in this content when making decisions regarding financial or legal matters without first consulting with a qualified, licensed professional.

Enjoy Enterprise car rental discounts.

First Financial members get car rental discounts when they rent through Enterprise. Simply use Customer Number 18B7215 to unlock your savings.

Please note that this offer cannot be combined with other discounts.

Start Saving   about car rental discounts

Build a better relationship with your money.

Tools and tips to transform your finances.

  • Banzai Learning Center

    In-depth lessons explore the financial topics you care about the most.
    Learn More  about Banzai Learning Center

  • Should I buy used, buy new or lease?

    There are pros and cons to each method. Your choice will be based on various financial considerations, driving habits, and personal preference.
    Read More 

  • GreenPath™ Financial Wellness

    Take control of your finances with our partnership with GreenPath. Access free debt counseling, financial education, and personalized advice.
    Learn More  about GreenPath

    Looking for more financial education resources? Visit our Learning Center.

    Here's what First Financial members are saying…

    “I explored several options for auto loans, but none compared to First Financial. They not only offered the lowest interest rates but also made the approval process seamless.”

    Brian C. | Member