Auto Loans

Take your next right turn. Our competitive auto financing and refinancing options get you where you want to go.

Apply Now  – Auto LoanView Rates 
HomeBorrowAuto Loans

Car loans made easy.

Drive away in your new or used vehicle with hassle-free financing.

Whether it’s your first automobile purchase or one of many, see how beneficial auto loan financing with First Financial can be:

Features

  • Budget-friendly auto loan rates
  • Apply for pre-approval so you can shop with confidence
  • Loan terms up to 84 months
  • Up to 135% loan-to-value financing
  • Browse available vehicles at our select partner dealers with AutoSMART
  • Asset protection when you add GAP Plus coverage to cover a loss

Effective Date: 3/7/2026

Auto Loan
Maximum TermAPR* as low asMonthly Payment per $1,000 Borrowed
60 months5.24%$18.99
72 months5.50%$16.34
84 months6.74%$14.97

*Annual Percentage Rate (APR) based on product, creditworthiness, loan amount, loan to value, and term. All loans subject to credit approval. Other terms and conditions may apply. Amounts may vary. Motorcycles excluded. Currently not processing lease buyouts or private party transactions.

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APR* as low as:

5.24%

Loan Terms:

60-84 months

Auto refinancing today, more cash tomorrow.

Paying a high rate on your existing auto loan? Refinance with us for a better rate and keep more of your hard-earned money.

Effective Date: 3/7/2026

Auto Loan
Maximum TermAPR* as low asMonthly Payment per $1,000 Borrowed
60 months5.24%$18.99
72 months5.50%$16.34
84 months6.74%$14.97

*Annual Percentage Rate (APR) based on product, creditworthiness, loan amount, loan to value, and term. All loans subject to credit approval. Other terms and conditions may apply. Amounts may vary. Motorcycles excluded. Currently not processing lease buyouts or private party transactions.

Apply Now  – auto refinance

APR* as low as:

5.24%

Loan Terms:

60-84 months

AutoSMART Dealer Partnership

Browse available vehicles at our select partner dealers and get pre-approved ahead of time, making your purchase even more hassle-free.

 

Start Browsing   – autosmart

Guaranteed Asset Protection (GAP) Plus

GAP Plus can cover the difference between what you owe and what your insurance company pays on an outstanding loan.

Learn More  about gap

Protected at Every Turn

Home and auto insurance through TruStage offers members affordable, top-quality coverage. Enjoy discounted rates, online convenience, and 24/7 claims service.

Get Protected   – auto insurance

Calculate Your Auto Loan

 

Auto Loan Calculator

Use the slider to select your purchase amount and down payment, then choose your desired repayment term.

$40,000
$5,000
3. Loan Term

Based on your selections above, and using First Financial’s current rates, your estimated rate and monthly payment are:*

  • Rate As Low As
    1.74%
  • Monthly Payment
    $71.32

*This is an estimate. Rate calculated is the APR (Annual Percentage Rate). Your actual APR and monthly payment may be different. Information and interactive calculators are made available to you as a self-help tool for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their accuracy or applicability in regards to your individual circumstances. Using this calculator does not constitute an application or qualification for credit.

Enjoy Enterprise car rental discounts.

First Financial members get car rental discounts when they rent through Enterprise. Simply use Customer Number 18B7215 to unlock your savings.

Please note that this offer cannot be combined with other discounts.

Start Saving   about car rental discounts

Build a better relationship with your money.

Tools and tips to transform your finances.

  • Banzai Learning Center

    In-depth lessons explore the financial topics you care about the most.
    Learn More  about Banzai Learning Center

  • Should I buy used, buy new or lease?

    There are pros and cons to each method. Your choice will be based on various financial considerations, driving habits, and personal preference.
    Read More 

  • Scam-proof your finances.

    Scammers are savvy, but these financial security tips are smarter than they are.
    Stay Safe  – fraud prevention

    Looking for more financial education resources? Visit our Learning Center.

    Here's what First Financial members are saying…

    “I explored several options for auto loans, but none compared to First Financial. They not only offered the lowest interest rates but also made the approval process seamless.”

    Brian C. | Member