Bank · FDIC insured
1st National Bank Auto Loan Rates
1st National Bank auto loans start at 7.80% APR for a new vehicle and 7.80% for a used one. Rates checked October 6, 2026.
How 1st National Bank’s auto loan rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where 1st National Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
1st National Bank
7.80%APR
- Terms
- up to 60 months
- Up to
- —
Auto and Truck Loans
Lowest rate
Delta Community Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.39% APR
2nd-lowest rate
Cincinnati Interagency Federal Credit Union
4.24%APR
- Terms
- —
- Up to
- —
1st National Bank auto loan score
61
Auto loan score
Higher than 3% of U.S. banks and credit unions
- New vehicleNew7.80%
- Used vehicleUsed7.80%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st National Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Special
Rate includes 0.50% reduction for automatic payments from a 1st National Bank account. Must have a 1st National Bank account with automatic payments to receive special rate. Minimum credit score of 660+. $250 application fee due at signing. Offer ends 4/29/2023. Model year 2020-NEW.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.39% | Rate shown includes 0.50% reduction for automatic payments from a 1st National Bank account. Requires minimum credit score of 660+ and $250 application/loan fee. Model year 2020-NEW. APR based upon $10,000 loan size. Offer ends 4/29/2023. |
Sources (1)
- bankwith1st.com/auto-loan-specials · captured Oct 6, 2026
Auto and Truck Loans
Rate includes 0.50% reduction for automatic payments from a 1st National Bank account. All loans subject to credit approval. $250 loan fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 8.54% | Model Year 2021 - NEW. Rate includes 0.50% reduction for automatic payments from a 1st National Bank account. All loans subject to credit approval. APR based upon $10,000 loan size and $250 loan fee. |
| up to 72 months | 8.41% | Model Year 2021 - NEW. Rate includes 0.50% reduction for automatic payments from a 1st National Bank account. All loans subject to credit approval. APR based upon $10,000 loan size and $250 loan fee. |
| up to 60 months | 7.80% | Model Year 2021 - NEW. Rate includes 0.50% reduction for automatic payments from a 1st National Bank account. All loans subject to credit approval. APR based upon $10,000 loan size and $250 loan fee. |
| up to 48 months | 8.37% | Model Year 2019 - 2020. Rate includes 0.50% reduction for automatic payments from a 1st National Bank account. All loans subject to credit approval. APR based upon $10,000 loan size and $250 loan fee. |
Sources (2)
All captured Oct 6, 2026
Motorcycle and ATV Loans
Rate shown includes 0.50% reduction for automatic payments from a 1st National Bank Account. All loans subject to credit approval. APR based upon $10,000 loan size and $250 loan fee.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.55% | Model Year 2021-NEW. Rate includes 0.50% reduction for automatic payments from a 1st National Bank account. All loans subject to credit approval. APR based upon $10,000 loan size and $250 loan fee. |
| up to 36 months | 9.98% | Model Year Pre-2021. Rate includes 0.50% reduction for automatic payments from a 1st National Bank account. All loans subject to credit approval. APR based upon $10,000 loan size and $250 loan fee. |
Sources (2)
All captured Oct 6, 2026
Opening an account
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