Vehicle Loans

When every dollar counts, you can count on First Citizens for a car, truck or recreational vehicle loan that delivers competitive rates and monthly payments that fit your budget. Our options go beyond typical vehicle loans to help put your dreams within reach.

Traditional Vehicle Loans¹

First Citizens offers competitive fixed rates and flexible terms on new cars and trucks. We'll make financing that used vehicle easy for you too. Or, if you're thinking of purchasing a boat, ATV or recreational vehicle, talk with us about our range of financing options.

Tax Save Loan¹

If you're a homeowner, a Tax Save Loan can save you money on the purchase (or refinance) of a new or used car. A Tax Save Loan works like a regular vehicle loan but is recorded as a mortgage on your property. This means the interest you pay may be tax deductible (consult your tax advisor to be sure).

Affordable Car Expense Loan¹

An Affordable Car Expense (ACE) Loan can make buying a more expensive car or truck easier on your budget. With an ACE Loan, you finance only a portion of the vehicle's purchase price for the term of the loan. At the end of the term, you have several options, including: keeping the vehicle and paying off (or refinancing) the balance; selling or trading the vehicle and paying off the balance; or turning the car over to First Citizens and walking away (mileage and other restrictions apply). Talk with a First Citizens banker for more details.

Our experts can help you get behind the wheel of that new vehicle in no time. Call 1-888-612-4444 or stop by your local Branch Office.