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We have competitive auto loan rates and flexible terms, that range from 36 to 72 months. We specialize in refinancing your current auto loan. We also help with new or used vehicle purchases.1

Unfortunately, at this time we are unable to facilitate lease buy-outs or private party sales.


Or get a purchase auto loan with us. We offer:

  • Generous credit criteria
  • Refinancing for more than your auto is worth
  • Competitive rates

Call 800-241-1749

Get a Rate Quote

Connect with us today!

Real Clients. Real Savings.

We make the refinancing process easy. Read about some recent experiences our clients have had with us!

  • A banking client lowered his monthly auto payment by nearly $160.


    A banking client, T.J., had a car loan with a competitor. He had sent an electronic check from First Midwest for his monthly payment, only to be told it was never received. The dispute continued for a month and the company began initiating collections calls.

    In distress, T.J. reached out to a First Midwest Banker, who was able to confirm that the payment had been sent. Our Banker then personally called the competitor, found the person in charge, and provided documentation of T.J.’s payment. Within 45 minutes the situation was resolved.

    Frustrated with his experience with a competitor, T.J. was open to hearing about First Midwest’s auto refinance options. It turned out, we offered him a loan that fit his needs far better. By refinancing to First Midwest, T.J. was able to lower his monthly payment by nearly $160.

    And it all started by reaching out to a First Midwest Banker.

  • Banking client qualified for a rate with First Midwest that was more than 15 percentage points lower – and she could save over $250 a month in payments.


    A banking client, Kim, had an auto loan with a competitor, with an interest rate over 20%. When talking with a First Midwest Banker, she explained that when she applied, she had no credit score. That was the best rate she could get.

    Our Banker suggested she put in a refinance application with First Midwest and see what happens – since she’d been making her car payments on time for a year, she had likely built up a decent credit score.

    It turned out, she qualified for a rate with First Midwest that was more than 15 percentage points lower – and she could save over $250 a month in payments if she selected the longest term available. She ultimately chose a loan with a shorter term; she still received substantial monthly savings while reducing her overall interest costs and speeding up her payoff date.

    And it all started with a simple conversation with a First Midwest Banker.

  • Banking client lowered his rate by nearly nine percentage points, and saved $105 per month on his payments.


    Even if you’ve been previously declined, it may be worth another shot.

    James, a First Midwest client, had put in an application to refinance in October. He was declined because he owed more than his car was worth. However, First Midwest has since updated its loan-to-value ratio guidelines – we now can refinance clients who owe more than their car is worth.

    A First Midwest Banker knew of James’ situation and encouraged him to reapply – he might be approved this time. And, in fact, he was! He lowered his rate by nearly nine percentage points, and saved $105 per month on his payments.

    All thanks to reapplying after we expanded our credit guidelines.


**Calculations are for estimated analysis only. Results are not indicative of any actual loan terms or payment amounts. Please contact a Banker for current rates and to get your personalized rate quote.

An Auto Loan Has Never Been Easier

Call 800-241-1749

See how we can help you save today!*

*The rate quote that will be provided in response to a request represents an estimate based on preliminary information provided by the client. It will not be representative of available product rates and terms based on the specific credit qualifications of the requestor. If specific product eligibility, rates and product terms are desired, an application will need to be submitted and authorized consent to pull a credit bureau report will need to be provided by the applicant. The only way to obtain exact rate and payment information is to apply.

* Client names are changed to protect their identity. These clients’ savings were greater than average.
1 Subject to credit approval. Vehicle insurance required. Rates are subject to change daily. Contact your First Midwest Banker for our current rates. Mileage caps may apply for used vehicle loans.