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Best for: Texas borrowers with newer vehicles

First Financial Bank (Texas)

First Financial Bank — APRs from 4.495% on 2023+ vehicles, terms 24 to 72 months.

Min credit
Not disclosed
APR
From 4.50%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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"Not disclosed" means First Financial Bank (Texas) does not publish this on their public site. "No restriction" means First Financial Bank (Texas) explicitly states no limit.

Overview

First Financial Bank publishes 4.495% APR on a 48-month term for 2023 and newer models and 4.845% APR for 2021–2022 models; both rates include a 0.25% discount for auto-draft from a First Financial account. Terms run from 24 to 72 months. Not all applicants qualify for the advertised rate.

What’s great

  • Published APRs by model year
  • Terms from 24 to 72 months

What to know

  • Advertised rates include a 0.25% auto-draft discount
  • Loan amounts and minimum credit score are not published

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
APR floor (as low as)From 4.50% — minimum only; full range not published
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term length24 – 72 months
States served1 states
Membership requirementNot disclosed

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from First Financial Bank (Texas)'s own published materials. Rates, eligibility, and terms can change — verify directly with First Financial Bank (Texas) before applying.

  1. [1]Auto Loans — First Financial Bank
    https://ffin.com/personal/borrowing/auto-loans
    Last checked: October 2026