Bank · FDIC insured
Security First Bank Auto Loan Rates
Security First Bank auto loans start at 5.29% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Security First Bank’s auto loan rates compare
Compared with banks and credit unions near Beatrice, NE, where Security First Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Security First Bank
5.29%APR
- Terms
- 49–60 months
Brand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in)
Lowest rate
MembersOwn Credit Union
4.25%APR
- Terms
- up to 84 months
Security First Bank auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.29%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Security First 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.
Brand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in)
Assumes excellent credit history on new (not previously registered) vehicle purchase. Automatic payments from a Security First Bank checking or savings account are required to obtain advertised rate. Subject to credit qualifications. $75 prepayment penalty if loan is paid off within 12 months of note date.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.95% | Automatic payments from Security First Bank checking or savings required. $75 prepayment penalty within 12 months. |
| 49–60 months | 5.29% | Automatic payments from Security First Bank checking or savings required. $75 prepayment penalty within 12 months. |
| 61–72 months | 5.49% | Automatic payments from Security First Bank checking or savings required. $75 prepayment penalty within 12 months. |
| 73–84 months | 5.74% | Automatic payments from Security First Bank checking or savings required. $75 prepayment penalty within 12 months. |
Sources (1)
- security1stbank.com/personal-banking/auto-loans · captured Oct 7, 2026
Pre-Owned Vehicles: 1-3 Years Old (2026, 2025 & 2024)
Automatic payments from a Security First Bank checking or savings account are required to obtain advertised rate. Approval and terms subject to credit qualifications. 10% down pertains to used vehicles 3 years old or newer (no down payment may be available based on collateral, terms, and borrower credit history). $75 prepayment penalty if paid off within 12 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.49% | Automatic payments from Security First Bank checking or savings required. 10% down payment pertains to used vehicles 3 years old or newer. $75 prepayment penalty within 12 months. |
| 49–60 months | 5.74% | Automatic payments from Security First Bank checking or savings required. 10% down payment pertains to used vehicles 3 years old or newer. $75 prepayment penalty within 12 months. |
| 61–72 months | 5.99% | Automatic payments from Security First Bank checking or savings required. 10% down payment pertains to used vehicles 3 years old or newer. $75 prepayment penalty within 12 months. |
| 73–84 months | 6.24% | Automatic payments from Security First Bank checking or savings required. 10% down payment pertains to used vehicles 3 years old or newer. $75 prepayment penalty within 12 months. |
Sources (1)
- security1stbank.com/personal-banking/auto-loans · captured Oct 7, 2026
Pre-Owned Vehicles: 4-5 Years Old (2023 & 2022)
Automatic payments from a Security First Bank checking or savings account are required to obtain advertised rate. Approval and terms subject to credit qualifications. 20% down required for vehicles four years and older (no down payment may be available based on collateral, terms, and borrower credit history). $75 prepayment penalty if paid off within 12 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.74% | Automatic payments from Security First Bank checking or savings required. 20% down required for vehicles four years and older. $75 prepayment penalty within 12 months. |
| 49–60 months | 5.99% | Automatic payments from Security First Bank checking or savings required. 20% down required for vehicles four years and older. $75 prepayment penalty within 12 months. |
| 61–72 months | 6.24% | Automatic payments from Security First Bank checking or savings required. 20% down required for vehicles four years and older. $75 prepayment penalty within 12 months. |
| 73–84 months | 6.59% | Automatic payments from Security First Bank checking or savings required. 20% down required for vehicles four years and older. $75 prepayment penalty within 12 months. |
Sources (1)
- security1stbank.com/personal-banking/auto-loans · 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.