We will be CLOSED on Monday, January 19 observing Martin Luther King Day. Bank Holidays
Applying for an Auto Loan
Whether you're a first time vehicle buyer looking for advice or a seasoned pro, we are ready to help! Choose an option that works best for you:
Option #1 : Apply for Pre-Approval at First Citizens Bank
This is a great option for an auto loan, especially if you're still shopping around and haven't settled on a particular vehicle yet. With a pre-approval, you'll have a budget and terms taken care of which means you can talk about a vehicle's price rather than monthly payments and financing.
We can give you a letter to take with you to the dealership to offer an added level of comfort and buying power as you move through the buying process.
Option #2 : Find a Vehicle, Then Visit With Us
If you've got a specific vehicle picked out, visit with us! Contact us at 800-423-1602 to make an appointment to visit with our staff about current rates and auto loan options at any of our offices.
Our Auto Loan Process
We work with you to give you confidence and help you through the process of purchasing a vehicle.
- Apply for a loan online or in person
- Loan review
- Conditional approval
- Purchase the vehicle
- Loan closing
Who are you buying from?
Buying from a dealership
We would like to get the purchase agreement or bill of sale.
Purchasing from a private party
We encourage the buyer to see a copy of the title before finalizing the purchase. This helps the buyer know if the title is salvaged or reconstructed.
Frequently Asked Questions
How do I get pre-approved for an auto loan?
Simply apply online or in person for an auto loan and give a best estimate of the amount you are looking to spend. From there the lender will review and either approve, counter, or deny the application based on the amount. Final approval will require collateral review, but an initial approval can be offered to allow a customer to go shopping with confidence.
Why is it better to get a loan with First Citizens than with a dealer?
First Citizens Bank will offer you a local personal experience with the entire auto loan purchase and life of the loan. Using the dealer ends when you drive off the lot for most. We will be there for the entire relationship.