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Last Updated: 04/18/2025

First Citizens Bank Auto Loans

in Auto Loans from First Citizens Bank

Last Updated: 04/18/2025

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Highlights

Amount Range

$2,500 - $200,000

APR (Variable APR)

Starting at 6.64%(Verified 06/21/2024)

Credit Score Range

N/A

Loan Term (Months)

Up to 84
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First Citizens Bank Auto Loans Review

First Citizens Bank Auto Loans is offered by First Citizens Bank, a bank founded in 1898 and based in Raleigh, NC. First Citizens Bank Auto Loans are available in 50 states and Washington, DC.

First Citizens Bank Auto Loans FAQ

How much can you borrow via First Citizens Bank Auto Loans?

First Citizens Bank Auto Loans loan amounts start at $2,500 and go up to $200,000.

What APR does First Citizens Bank Auto Loans offer on its car loans?

First Citizens Bank Auto Loans offers a variable APR car loan product that ranges from 6.64% 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 First Citizens Bank Auto Loans?

First Citizens Bank Auto Loans has car loans with a maximum term of 84 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.

Does First Citizens Bank Auto Loans charge an origination fee?

Yes, First Citizens Bank Auto Loans may charge a loan origination fee .

Does First Citizens Bank Auto Loans charge a late fee?

Yes, First Citizens Bank Auto Loans charges borrowers with a late payment penatly fee

Does First Citizens Bank Auto Loans charge prepayment fees?

Yes, First Citizens Bank Auto Loans does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my First Citizens Bank Auto Loans loan?

Yes, you can. However, First Citizens Bank Auto Loans charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.

What do you need to qualify for First Citizens Bank Auto Loans?

First Citizens Bank Auto Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
First Citizens 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 First Citizens Bank Auto Loans.
To qualify, applicants may need to provide the following documentation:
  • Proof of identity
  • Proof of citizenship or residence permit

Does First Citizens Bank Auto Loans report your account activity to credit bureaus?

Yes, First Citizens Bank Auto Loans reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does First Citizens Bank perform a hard credit pull?

Yes, First Citizens Bank Auto Loans 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 First Citizens Bank a legit company?

First Citizens Bank was founded in 1898, it is a well-established company that has been in business for 128 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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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

4300 Six Forks Rd
Raleigh, NC 27609
(888) 323-4732
Visit Site
Email Support

Hours of Operation

Sunday
7:00AM - 11:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
7:00AM - 11:00PM

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