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Home / Personal / Loans / Auto Loan

Auto Loan

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New or used vehicles, First State Bank is offering rates that will let you drive the car of your dreams today.

Understand/Improve/Establish Your Credit Score as featured in Macomb NOW Magazine in printable PDF.

For a limited time, we're offering incredible rates - as low as 2.49% APR* - on new auto loans.


  • Competitive rates
  • Quick approvals
  • One percent (1%) rate reduction with automatic payment from a First State Bank account
  • Flexible terms
  • New: finance up to 90% of cash sale price
  • Used: finance up to 90% of cash sale price
  • Convenient payment options: automatic deduction from any First State Bank checking or savings account (which may reduce your interest rate), Online Banking, or any First State Bank ATM or night depository

Current Rates and Fees:

  New Auto Used Auto
Car Model Year 2016/2015 New
Annual Percentage Rate with Automatic Payment Varies on term with rates as low as 2.49% Varies on model year with rates as low as 2.99%
Annual Percentage Rate without Automatic Payment Varies on term with rates as low as 3.49% Varies on model year with rates as low as 3.99%
Term Max. 60 months Max. 48 months
Service Fee $75

For a complete schedule of rates for new and used vehicles, please download our Auto Loan Rates (PDF)**.

Loans are subject to credit approval, verification and collateral evaluation.

*Lowest annual percentage rate assumes excellent credit history, automatic loan payment from a FSB account, 10% down payment on a new car financed for 60 months.  A $25,000 loan under these assumptions, including a $75 service fee, would result in a $400.55 monthly payment.

**Requires Adobe Acrobat (free download) 


Fair Lending
The federal fair lending laws are a group of laws that prohibit discrimination in credit transactions, including transactions related to residential real estate.  These laws include the Fair Housing Act, Equal Credit Opportunity Act, Community Reinvestment Act, and the Home Mortgage Disclosure Act.
In accordance with the fair lending laws, First State Bank is committed to promoting fair housing choice and will not discriminate against any person on the basis of race or color, religion, national origin, sex, marital status, age, lawful source of income, familial status, handicap, disability, sexual orientation or gender identity.


The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) is a federal law designed to enhance consumer protection and reduce fraud in the mortgage lending industry.  The SAFE Act requires that all individual mortgage loan originators or MLOs be registered with the Nationwide Mortgage Licensing System and Registry, or NMLS.


License #462643

Equal Housing LenderMember FDIC