Last Updated: 04/18/2025
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Highlights
Amount Range
Up to $60,000
APR (Fixed APR)
Starting at 4.12%(Verified 06/21/2024)
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Credit Score Range
N/A
Loan Term (Months)
24 - 60
Fidelity Bank Auto Loans Review
Fidelity Bank Auto Loans is offered by Fidelity Bank, a bank founded in 1974 and based in Sarasota, FL. Fidelity Bank auto loan are available in 4 states.
Fidelity Bank auto loan FAQ
What APR does Fidelity Bank auto loan offer on its car loans?
Fidelity Bank auto loan offers a fixed apr car loan product that ranges from 4.12% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with Fidelity Bank auto loan?
Fidelity Bank auto loan has car loans with terms ranging from 24 to 60 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.
Does Fidelity Bank auto loan charge an origination fee?
Yes, Fidelity Bank auto loan may charge a loan origination fee .
Does Fidelity Bank auto loan charge a late fee?
Yes, Fidelity Bank auto loan charges borrowers with a late payment penatly fee
Does Fidelity Bank auto loan charge prepayment fees?
No, Fidelity Bank auto loan will not charge you a fee for paying your loan early. Whenever possible choose lenders like Fidelity Bank auto loan that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Fidelity Bank auto loan loan?
Yes, you can. Fidelity Bank auto loan does not charge a prepayment fee, so you can save money by paying your car loan early.
What do you need to qualify for Fidelity Bank Auto Loans?
Fidelity Bank Auto Loans does not require or does not disclose a credit score minimum. Fidelity Bank Auto Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Fidelity Bank Auto Loans.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Proof of income
- Proof of citizenship or residence permit
Does Fidelity Bank perform a hard credit pull?
Yes, Fidelity Bank auto loan performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Fidelity Bank a legit company?
Fidelity Bank was founded in 1974, it is a well-established company that has been in business for 52 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Message from Fidelity Bank auto loan
Message from our editor
What We Love About Fidelity Bank Auto Loans
Fidelity auto loans are offered directly through car dealerships, so it’s easy to apply while choosing a vehicle. These loans also come with various perks, such as payment holidays, automatic payments, and online account access. Customers can also delay their initial payment for up to 90 days if they meet eligibility requirements.
Fidelity has many customer service options, including email, regular mail, live chat, phone, or visiting a physical branch. Those who prefer to use one lender for all their loans may also appreciate that Fidelity provides personal loans and automobile loans.
What Could Fidelity Bank Do Better?
Customers will need to apply and qualify for a loan from Fidelity Bank to better understand the terms available to them. Fidelity doesn’t offer financing for several types of vehicles, such as electric vehicles, recreational vehicles, commercial vehicles of over a ton, and flatbeds.
Some consumers will prefer a direct loan, as well, which Fidelity does not provide. The auto loans are only provided in select states, so Fidelity may not be an option for every consumer who wants to purchase a new car, truck, or SUV.
Fidelity Bank Backstory
Fidelity Bank was founded in 1974 in Atlanta, Georgia, and has grown over the years to offer policies to consumers across the southeastern portion of the United States. The bank now offers loans, banking services, and wealth management solutions for personal and business customers.
The Verdict
Fidelity has many perks associated with it, most notably the option to delay your first payment and others throughout the loan term. This can add a bit of flexibility if the down payment is expensive or one month you need a little extra money in your bank account.
However, make sure that you shop around and get quotes from several companies before choosing an auto loan. At that point, you can visit a dealership to find out what Fidelity will offer in terms of financing and whether it’s your top option.