First Citizens Bank
First Citizens Bank — refinance APRs as low as 5.99%, loans from $2,500 to $200,000.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means First Citizens Bank does not publish this on their public site. "No restriction" means First Citizens Bank explicitly states no limit.
Overview
First Citizens Bank says its auto financing team can help you "refinance your existing auto loan." It publishes rates as low as 5.99% APR, loan amounts from $2,500 to $200,000, and a maximum term of 84 months for loans over $50,000 (72 months for loans under $50,000).…
What’s great
- Refinances existing auto loans
- As-low-as APR of 5.99%
- Loan amounts up to $200,000
What to know
- Loans under $50,000 are limited to 72 months
- Minimum credit score is not published
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.99% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | $2,500 – $200,000 |
| Term length | Up to 84 months |
| States served | Not disclosed |
| Membership requirement | Not disclosed |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from First Citizens Bank's own published materials. Rates, eligibility, and terms can change — verify directly with First Citizens Bank before applying.
- [1]Auto Loans — First Citizens Bankhttps://www.firstcitizens.com/personal/loans/autoLast checked: October 2026