Bank · FDIC insured
First National Bank Auto Loan Rates
First National Bank auto loans start at 6.42% APR for a new vehicle and 6.42% for a used one. Rates checked October 16, 2026.
How First National Bank’s auto loan rates compare
Compared with banks and credit unions near Des Moines, IA, where First National Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
First National Bank
6.42%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Midland Credit Union
4.10%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
- Discount
- None included
First National Bank auto loan score
63
Auto loan score
Higher than 8% of U.S. banks and credit unions
- New vehicleNew6.42%
- Used vehicleUsed6.42%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First 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 Loans
Finance new and used cars, trucks, SUVs, motorcycles, and other eligible vehicles for purchase or refinance. Fixed monthly payments. Minimum down payment: 10% for 2023 and newer model years, 20% for 2016-2022, 30% for 2015 and older. EVs must be brand new (model year 2026 and newer) with 30% minimum down payment. Salvage or rebuilt titles not accepted.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 8.84% | 2023 and Newer Model Years. APR as low as. |
| up to 12 months | 6.43% | 2023 and Newer Model Years. Special APR as low as; includes discount for automatic payment from a First National Bank deposit account with direct deposit, as well as other minimum requirements. New money to First National Bank only. |
| up to 24 months | 8.57% | 2023 and Newer Model Years. APR as low as. |
| up to 24 months | 6.20% | 2023 and Newer Model Years. Special APR as low as; includes discount for automatic payment from a First National Bank deposit account with direct deposit, as well as other minimum requirements. New money to First National Bank only. |
| up to 36 months | 8.54% | 2023 and Newer Model Years. APR as low as. |
| up to 36 months | 6.22% | 2023 and Newer Model Years. Special APR as low as; includes discount for automatic payment from a First National Bank deposit account with direct deposit, as well as other minimum requirements. New money to First National Bank only. |
| up to 48 months | 8.72% | 2023 and Newer Model Years. APR as low as. |
| up to 48 months | 6.31% | 2023 and Newer Model Years. Special APR as low as; includes discount for automatic payment from a First National Bank deposit account with direct deposit, as well as other minimum requirements. New money to First National Bank only. |
| up to 60 months | 8.93% | 2023 and Newer Model Years. APR as low as. |
| up to 60 months | 6.42% | 2023 and Newer Model Years. Special APR as low as; includes discount for automatic payment from a First National Bank deposit account with direct deposit, as well as other minimum requirements. New money to First National Bank only. |
| up to 12 months | 9.34% | 2016-2022 Model Years. APR as low as. |
| up to 12 months | 6.93% | 2016-2022 Model Years. Special APR as low as; includes discount for automatic payment from a First National Bank deposit account with direct deposit, as well as other minimum requirements. New money to First National Bank only. |
| up to 24 months | 9.07% | 2016-2022 Model Years. APR as low as. |
| up to 24 months | 6.71% | 2016-2022 Model Years. Special APR as low as; includes discount for automatic payment from a First National Bank deposit account with direct deposit, as well as other minimum requirements. New money to First National Bank only. |
| up to 36 months | 9.04% | 2016-2022 Model Years. APR as low as. |
| up to 36 months | 6.72% | 2016-2022 Model Years. Special APR as low as; includes discount for automatic payment from a First National Bank deposit account with direct deposit, as well as other minimum requirements. New money to First National Bank only. |
| up to 48 months | 9.22% | 2016-2022 Model Years. APR as low as. |
| up to 48 months | 6.81% | 2016-2022 Model Years. Special APR as low as; includes discount for automatic payment from a First National Bank deposit account with direct deposit, as well as other minimum requirements. New money to First National Bank only. |
| up to 60 months | 9.43% | 2016-2022 Model Years. APR as low as. |
| up to 60 months | 6.92% | 2016-2022 Model Years. Special APR as low as; includes discount for automatic payment from a First National Bank deposit account with direct deposit, as well as other minimum requirements. New money to First National Bank only. |
| up to 12 months | 10.15% | 2015 and Older Model Years. APR as low as. |
| up to 24 months | 9.87% | 2015 and Older Model Years. APR as low as. |
| up to 36 months | 9.84% | 2015 and Older Model Years. APR as low as. |
| up to 48 months | 10.02% | 2015 and Older Model Years. APR as low as. |
| up to 60 months | 10.23% | 2015 and Older Model Years. APR as low as. |
Sources (2)
- fnb247.com/personal/personal-loans-lines/auto-loans
- fnb247.com/personal/personal-l…to-loans/auto-loan-rates
All captured Oct 16, 2026
Opening an account
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