Bank · FDIC insured
First State Bank Auto Loan Rates
First State Bank auto loans start at 6.69% APR for a new vehicle and 6.69% 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 Detroit, MI, where First State Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
First State Bank
6.64%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
Chief Financial Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
FreeStar Financial Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
First State Bank auto loan score
63
Auto loan score
Higher than 8% of U.S. banks and credit unions
- New vehicleNew6.69%
- Used vehicleUsed6.69%
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
Finance up to 90% of purchase price. Service fee: $85. 0.50% rate discount with autopay from a First State Bank account.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.64% | Model Year: 2025 or Newer. Annual Percentage Rate with Automatic Payment. Varies on term with rates as low as 6.64%. Lowest APR assumes excellent credit history, automatic loan payment from a FSB account, 10% down payment on a new car financed for 60 months. |
| up to 60 months | 7.14% | Model Year: 2025 or Newer. Annual Percentage Rate without Automatic Payment. Varies on term with rates as low as 7.14%. |
| up to 72 months | 7.14% | Model Year: 2025 or Newer. Annual Percentage Rate with Automatic Payment. Varies on term with rates as low as 7.14%. |
| up to 72 months | 7.64% | Model Year: 2025 or Newer. Annual Percentage Rate without Automatic Payment. Varies on term with rates as low as 7.64%. |
| up to 48 months | 7.67% | Model Year: 2018 - 2024. Annual Percentage Rate with Automatic Payment. Varies on model year with rates as low as 7.67%. |
| up to 48 months | 8.17% | Model Year: 2018 - 2024. Annual Percentage Rate without Automatic Payment. Varies on model year with rates as low as 8.17%. |
| up to 60 months | 8.14% | Model Year: 2018 - 2024. Annual Percentage Rate with Automatic Payment. Varies on term with rates as low as 8.14%. |
| up to 60 months | 8.64% | Model Year: 2018 - 2024. Annual Percentage Rate without Automatic Payment. Varies on term with rates as low as 8.64%. |
| up to 60 months | 6.69% | Model Year: 2025 or Newer. The lowest APR assumes excellent credit history, automatic loan payment from an FSB account, and 10% down payment on a new car financed for 60 months. |
| up to 72 months | 7.22% | Model Year: 2025 or Newer. |
| up to 48 months | 7.76% | Model Year: 2018 - 2024. |
| up to 60 months | 8.30% | Model Year: 2018 - 2024. |
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.