


Invest how you want, when you want, in real time with Self-Directed Investing.
Being a teen is hard enough. Help us support Teen Cancer America to improve their quality of care.
We're committed to serving companies as they expand and succeed. The proof is in our success stories.
May Q&A: Available now
This month, the Making Sense team answers client questions related to trade policy developments and their impacts on key economic issues.
Whether you're looking to buy a new car or refinance your existing auto loan, our auto financing team can help. We'll guide you through the lending process, lock in your interest rate and get you in the driver's seat.
Fixed rates
Get a low monthly payment, thanks to our competitive auto loan rates.
Quick and easy access
Get access to funds in as little as 24 hours.
Flexible terms
Up to 84-month terms are available for new auto loans.
Rates as low as
5.84% APRD
Whether you're buying a new or simply new-to-you car, we've got the auto loan you need.
Buying a new or used vehicle is easier when you understand how to get an auto loan. Even if you're buying a new car from a dealership, you can choose where to get your auto financing—which can lead to substantial savings.
The first step toward getting an auto loan is finding the car you'd like to buy. This could mean a new or used car from a dealership or a private seller. Shopping around and comparing prices can help you find the best deal.
Contact us or visit a local branch to apply for an auto loan. One of our auto financing experts will gather information about you and the vehicle you'd like to purchase.
As we prepare to finalize your loan, we may reach out for more information. Feel free to ask any questions about the loan process. We're here to be your guide.
You'll sign closing documents to finalize your auto loan. After closing, you'll receive your funds, which could arrive in as little as 24 hours. Then you can return to the seller to buy and enjoy your new ride.
Use this auto loan calculator to estimate your monthly payment. Try changing values, like down payment amount or loan length, to find the auto financing option that works for you.
Track your spending habits
Seamlessly move your money
Set alerts for transactions
Track your spending habits
Seamlessly move your money
Set alerts for transactions
With an auto loan, a lender agrees to give you money to purchase a vehicle. You'll repay the amount borrowed over the agreed term—which is typically 3 to 7 years—by making monthly payments. Each payment includes both principal and interest. Once you pay the auto loan in full, you'll own the car.
You must be at least 18 years old to qualify for an auto loan at First Citizens. A good credit score will increase your chance of approval, and your income will be used to determine eligibility. A lower debt-to-income ratio can help improve your standing. Contact us or visit your local branch to learn more about our auto loan eligibility requirements.
For auto loans, the minimum amount is $2,500 and the maximum is $200,000. The maximum term is 84 months for loans greater than $50,000 and 72 months for loans less than $50,000. Talk to a banker for more information about auto loans.
To get the quickest turnaround on your funds, we recommend finding the car you want to purchase before applying for an auto loan. Once you have a vehicle in mind and apply for an auto loan online, we'll get back to you within 2 business days. If you prefer, you can also visit your local branch to apply in person.
It's important to make sure you're complying with your specific state's auto insurance requirements before applying for an auto loan. It's also recommended that you carry enough insurance to protect your finances against damage or loss.
Refinancing an auto loan can help you lower your monthly payments and save on interest over the life of your loan. It can also help you secure a lower interest rate, adjust a loan term, or add or remove co-signers from your loan.
This application is not available for Wisconsin residents. Please call us to apply or visit your local branch.
Annual Percentage Rate (APR) is 5.84% as of May 8, 2025, to qualifying applicants for a fixed-rate auto loan amortized over 5 years and includes discounts for autodraft from a First Citizens checking account. APR is based upon a rate of 5.70% and an origination fee of $100.
For example: An auto loan with an amount financed of $30,000 at a 5.70% fixed rate and including a $100 origination fee would have an APR of 5.84%, and you would make 60 payments of $576 and pay total interest of $4,549.
Advertised APR is the lowest APR available and includes a discount for autodraft from a First Citizens checking account. Other rates and terms are available based on loan amount, customer credit profile and payment method, and your rate may differ. Credit and collateral subject to approval. Rates, terms and conditions are subject to change at any time based on market conditions or other business factors.
Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.
NMLSR ID 503941
Treasury & Cash Management
Electronic Bill Presentment & Payment
Investment & Retirement Services
Community Association Banking
Equipment Financing & Leasing
Credit Cards
Merchant Services
Insurance
Email Us
Please select the option that best matches your needs.
Customers with account-related questions who aren't enrolled in Digital Banking or who would prefer to talk with someone can call us directly.
Congratulations! You've taken an important step in the loan process by reaching out to our experienced team of loan advisors. Complete the form below, and a member of our loans team will contact you within 2 business days.
Fields denoted with an asterisk (*) are required.
If you prefer to speak with someone directly, please give us a call or visit a branch.