Bank · FDIC insured
First Citizens Bank Auto Loan Rates
First Citizens Bank auto loans start at 6.39% APR for a new vehicle and 6.39% for a used one. Rates checked October 22, 2026.
How First Citizens Bank’s auto loan rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where First Citizens Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
First Citizens Bank
6.39%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
Auto Loan
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
- Discount
- None included
First Citizens Bank auto loan score
63
Auto loan score
Higher than 8% of U.S. banks and credit unions
- New vehicleNew6.39%
- Used vehicleUsed6.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Citizens 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
Application not available online for Wisconsin residents. Must be at least 18 years old. Maximum loan term is 84 months for loans greater than $50,000 and 72 months for loans less than $50,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.39% | As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000. |
Sources (1)
- firstcitizens.com/personal/loans/auto · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.