Overview
Auto Loans
Shop for your next car with confidence. FSCB auto loans offer competitive rates on new and used vehicles, fast decisions, and the option to get pre-approved before you set foot on the lot. No dealer financing pressure — just straightforward local lending.
Common uses
New car purchase
Used car purchase
Private-party purchase
Refinance existing loan
Motorcycle or RV
Boat financing
Classic car purchase
Commercial vehicle
Why FSCB
What sets our loans apart
New Vehicle Financing
Competitive rates on new vehicles from any dealership. Bring your FSCB check and negotiate as a cash buyer.
Used Vehicle Financing
Finance used vehicles up to 10 years old from dealerships or private sellers.
Refinancing
Lower your existing auto payment by refinancing with FSCB — often with no fees and quick processing.
Pre-Approval in Minutes
Know your rate and budget before you shop. Pre-approval letters are accepted at all dealerships.
Terms Up to 84 Months
Choose the repayment term that fits your monthly budget — from 24 to 84 months.
No Prepayment Penalties
Pay extra or pay it off early whenever you want — with absolutely no penalty.
Rates & Terms
Illustrative rate guide
* APR shown is illustrative and varies based on creditworthiness, term, and loan type. Contact FSCB for your personalized rate.
Process
How to apply
1
Get Pre-Approved
Apply in 5 minutes online or in-branch. Receive your pre-approval letter the same day.
2
Shop Your Vehicle
Visit any dealership or private seller. Present your pre-approval and negotiate from strength.
3
Finalize and Drive
Bring the signed purchase agreement to FSCB. We fund the dealer directly and you drive home.
FAQ
Common questions
Can I finance a private-party purchase?
Yes — FSCB funds private-party vehicle purchases. We'll need the title and a bill of sale from the seller.
Is there a minimum loan amount?
We typically finance vehicles of $5,000 or more. Contact a banker for purchases below that amount.
Can I include tax, title, and registration in my loan?
Yes — in most cases, we can roll in tax, title, and registration fees so you owe nothing out of pocket at purchase.
Does my vehicle serve as collateral?
Yes — auto loans are secured by the vehicle. FSCB holds the title until the loan is paid in full.
Ready to apply?
Local decisions from people who know your community and want you to succeed.