Where does First Internet Bank do business?

First Internet Bank is based in Indianapolis, IN. It was founded in 1999 and offers auto loans in 50 states across the USA.

What APR does First Internet Bank offer on its auto loans?

First Internet Bank offers auto loans with APRs starting at 3.25% .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 inaccuate information in your credit history with these credit monitoring tools.

What is the maximum loan term for a First Internet Bank auto loan?

First Internet Bank offers auto loans with terms of up to 66 months. Lenders that offer longer terms can offer larger loan amounts and lower monthly payments. However, remember that the longer the term of your loan, the more interest you will pay. 

Does First Internet Bank charge an origination fee?

Yes, First Internet Bank charges a loan origination fee .

Does First Internet Bank charge a late fee?

Yes, First Internet Bank charges borrowers with a late payment penatly fee.

Does First Internet Bank charge prepayment penalties?

No, First Internet Bank will not charge you a penalty fee for paying your loan early. Whenever possible choose lenders like First Internet Bank that don't charge a prepayment penalty fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

What is First Internet Bank’s eligibility criteria?

First Internet Bank requires borrowers to have a credit score of at least 650 to apply.

To qualify, applicants must provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for an auto loan via First Internet Bank?

First Internet Bank will typically approve (or deny) a loan application within 48 hours and fund auto loans within 1 and 7 days of approval

  • Payment Options
    • Automatic Payments
    • Check by mail
  • Max Loan Term (Months)
  • Credit Score Range
    650 - 850
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
  • Verification Documents Required?
    • Recent pay stubs
    • Driver license (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Institution Type
  • APR
    Starting at 3.25%
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Loan Amount
    Starting at $5000
"Rate determined by factors such as type of loan, collateral, term, amount of loan, credit worthiness and applicant's relationship with First IB."
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