Bank · FDIC insured
First Financial Bank Auto Loan Rates
First Financial Bank auto loan rates start at 4.50% APR. Rates checked October 16, 2026.
How First Financial Bank’s auto loan rates compare
Compared with banks and credit unions in Texas, where First Financial Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
First Financial Bank
– –
- Terms
- —
- Up to
- —
- Discount
- —
No ongoing APR published
Lowest rate
Valley Federal Credit Union
2.95%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Lubrizol Employees' Credit Union
3.24%APR
- Terms
- 24–60 months
- Up to
- 14.49% APR
- Discount
- Included in the rate
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.
New Car Loan
Available for 2023 and newer models. Terms from 24 to 72 months. Subject to credit approval. Rate includes 0.25% discount for auto-draft from a First Financial account.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50% | 48-month term. Available for 2023 and newer models. Rate includes 0.25% discount for auto-draft from a First Financial account. Payment example: $912.68/mo for $40,000 loan. |
Sources (1)
- ffin.com/personal/borrowing/auto-loans · captured Oct 16, 2026
Used Car Loan
Available for 2021-2022 models. Terms from 24 to 72 months. Subject to credit approval. Rate includes 0.25% discount for auto-draft from a First Financial account. Financing options available for older models.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.85% | 48-month term. Available for 2021-2022 models. Rate includes 0.25% discount for auto-draft from a First Financial account. Payment example: $919.01/mo for $40,000 loan. |
Sources (1)
- ffin.com/personal/borrowing/auto-loans · captured Oct 16, 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.