Bank · FDIC insured
First National Bank of Waterloo Auto Loan Rates
First National Bank of Waterloo auto loans start at 6.26% APR for a new vehicle. Rates checked October 16, 2026.
How First National Bank of Waterloo’s auto loan rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where First National Bank of Waterloo has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
First National Bank of Waterloo
6.26%APR
- Terms
- 49–60 months
- Up to
- —
New Vehicles (2024-2025)
Lowest rate
St. Louis Policemen's Credit Union
3.50%APR
- Terms
- —
- Up to
- 12.25% APR
2nd-lowest rate
First Missouri Credit Union
3.99%APR
- Terms
- —
- Up to
- —
First National Bank of Waterloo auto loan score
62
Auto loan score
Higher than 6% of U.S. banks and credit unions
- New vehicleNew6.26%
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 of Waterloo 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.
New Vehicles (2024-2025)
New vehicles require 10% down payment.
| Terms | APR | Conditions |
|---|---|---|
| 73–84 months | 7.73% | Requires 10% down payment. APR and payments based on a $15,000 loan example and may differ based on loan amount, credit score, and term. |
| 61–72 months | 6.44% | Requires 10% down payment. APR and payments based on a $15,000 loan example and may differ based on loan amount, credit score, and term. |
| 49–60 months | 6.26% | Requires 10% down payment. APR and payments based on a $15,000 loan example and may differ based on loan amount, credit score, and term. |
| 36–48 months | 6.17% | Requires 10% down payment. APR and payments based on a $15,000 loan example and may differ based on loan amount, credit score, and term. |
| up to 35 months | 6.10% | Requires 10% down payment. APR and payments based on a $15,000 loan example and may differ based on loan amount, credit score, and term. |
Sources (1)
- fnbwaterloo.bank/personal/current-rates · captured Oct 6, 2026
Used Vehicles
Used vehicle loans require 20% down payment.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.86% | For model years 2022-2023. Requires 20% down payment. APR and payments based on a $10,000 loan example and may differ based on loan amount, credit score, term, and model year. |
| up to 36 months | 7.59% | For model years 2019-2021. Requires 20% down payment. APR and payments based on a $10,000 loan example and may differ based on loan amount, credit score, term, and model year. |
| up to 24 months | 8.37% | For model years 2018 or older. Requires 20% down payment. APR and payments based on a $10,000 loan example and may differ based on loan amount, credit score, term, and model year. |
Sources (1)
- fnbwaterloo.bank/personal/current-rates · captured Oct 6, 2026
Opening an account
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