Bank · FDIC insured
FirstBank Auto Loan Rates
FirstBank auto loans start at 6.25% APR for a new vehicle and 7.55% for a used one. Rates checked October 22, 2026.
How FirstBank’s auto loan rates compare
Compared with banks and credit unions near San Juan, PR, where FirstBank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
FirstBank
6.25%APR
- Terms
- up to 72 months
- Discount
- None included
Conventional Auto Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
GE Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
FirstBank auto loan score
62
Auto loan score
Higher than 7% of U.S. banks and credit unions
- New vehicleNew6.25%
- Used vehicleUsed7.55%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FirstBank 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 Lease
Only for residents of Puerto Rico. Maximum residual value of 35%. Does not apply to all makes/models. Subject to credit approval. Insurance policy is not included in the financing. Public liability policy required with limits of $100,000 / $300,000 / $50,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.25% | Lease up to 60 months with maximum 35% residual value. Starting at 6.25% APR. |
| up to 66 months | 6.35% | Lease up to 66 months with maximum 35% residual value. Starting at 6.35% APR. |
| up to 66 months | 6.75% | Used vehicle lease up to 66 months with maximum 35% residual value. Starting at 6.75% APR. |
Sources (2)
All captured Oct 7, 2026
Conventional Auto Loan
Only for residents of Puerto Rico. Subject to credit approval and parameters established by FirstBank. Interest rate may vary based on credit history, amount approved to finance, and debt-to-income ratio. First payment is assumed to be made in 30 days and includes regular registration fee. Not all models qualify for 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.25% | New vehicles. Starting at 6.25% APR for terms up to 72 months. |
| up to 84 months | 7.15% | New vehicles. Starting at 7.15% APR for terms up to 84 months. Not all models qualify for 84 months. |
| up to 84 months | 7.55% | Used vehicles. Starting at 7.55% APR for terms up to 84 months. Not all models qualify for 84 months. |
Sources (2)
All captured Oct 7, 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.