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We’ll Help You Roll With It

We’ll work with you to see what you can afford under the best terms for you. From navigating financing to worrying about payments, the process isn’t always easy. Financing at a dealer can feel like a lot of pressure because the focus is on the vehicle, not on the loan. That’s why having a local expert from First State Bank walk you through the process, without the pressure, can make the road to financing a vehicle with us less bumpy than other options.

The Easiest Way To Finance Your Next Ride

We know financing a car can feel overwhelming, especially with the pressure at the dealership. From navigating options to worrying about payments, the process isn’t always easy. That’s why First State Bank focuses on you, not just the vehicle. Our local experts guide you every step of the way, helping you find the best terms for your budget, without the stress or sales pressure. With us, financing is smoother, simpler, and less bumpy than other options.

We’re making car buying simple, so you can focus on the ride ahead. With our auto loans, you’ll enjoy:

Competitive Rates: Finance up to 90% of the purchase price and get affordable monthly payments to keep you on budget.
Flexible Terms: Loan options designed to fit your needs.
Quick Approvals: Get on the road faster with a streamlined process.
Local Expertise: Work with people who know your community and care about your success.
Have an Offer From Another Lender? Let us try to match it!

The Perfect Loan for the Road Ahead

We’re making car buying simple, so you can focus on the ride ahead. With our auto loans, you’ll enjoy:

Whether you’re upgrading your family car, buying your first vehicle, or dreaming of something sportier, we have the right loan for you.

New Car Loans: Get pre-qualified before you set foot in a dealership to take the pressure out of the car-buying experience. Enjoy current model year pricing, too!
Lease Buy-Outs: Love your leased ride and want to own it? We can help you buy it out.
Used Car Loans: We can help establish your best mix of down payment and monthly payment affordability based on your qualifications.
Refinancing Options: Use equity in your car for something new, or to save money on monthly payments if you originally financed elsewhere.

Apply Today

Get Prequalified

Thinking about buying? Start with a pre-qualification. It’s a simple way to understand what you can afford and how much to put toward your new vehicle. Plus, it can help you avoid overpaying and keep your budget on track.

Current Auto Loan Rates

0.50% rate discount with autopay from a First State Bank account
Service Fee: $85

Model Year	Term	Annual Percentage Rate with Automatic Payment*	Annual Percentage Rate without Automatic Payment*
2022 - 2025	Max. 60 months	Varies on term with rates as low as 6.64%	Varies on term with rates as low as 7.14%
2022 - 2025	Max. 72 months	Varies on term with rates as low as 7.14%	Varies on term with rates as low as 7.64%
2017 - 2021	Max. 48 months	Varies on model year with rates as low as 7.67%	Varies on model year with rates as low as 8.17%
2017 - 2021	Max. 60 months	Varies on term with rates as low as 8.14%	Varies on term with rates as low as 8.64%

Rates current as of: January 23, 2025 *

Lowest annual percentage rate assumes excellent credit history, automatic loan payment from a FSB account, 10% down payment on a new car financed for 60 months. A $25,000 purchase under these assumptions, including a $85 service fee, would result in a $490.81 monthly payment.

Check the Numbers

Knowledge is power - especially when it comes to your finances. Our online calculators are here to help!

Check out the Calculators

Ready to Roll? Let’s Get Started.

Give us a call, stop by a branch, or apply online to get yourself into the driver's seat.

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