Bank · FDIC insured
First State Bank Auto Loan Rates
First State Bank auto loans start at 4.74% APR for a new vehicle and 4.74% for a used one. Rates checked October 16, 2026.
How First State Bank’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where First State Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
First State Bank
4.74%APR
- Terms
- 6–84 months
- Up to
- 16.49% APR
Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Up to
- —
First State Bank auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First State 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
Subject to credit approval. Proof of insurance is required prior to loan funding. Loan amount and repayment term are based on vehicle value and applicant credit profile.
| Terms | APR | Conditions |
|---|---|---|
| 6–84 months | 4.74%–16.49% | Subject to credit approval. Interest rate ranges from 4.70% to 16.45%. A $45.00 admin fee is added to the loan amount. No application fee and no prepayment penalty. Proof of insurance required prior to loan funding. |
Sources (1)
- firststate.bank/auto-loans- · captured Sep 17, 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.