Loans and Lines
When it comes to personal lending, The First has the tools, resources and expert lenders to help you achieve your goals.
Our knowledgeable lenders are here to listen to your needs and help you achieve your financing goals on terms that work for you. So whether you are looking for a larger sum from a one-time loan, or need something more flexible like a revolving line of credit, you can trust our local team to guide you to the loan option that best suits your needs.
Auto Loans
When you are ready to get behind the wheel of a new car, whether it be a used or new model, we are here to help. Talk with one of our local lenders to see which loan is right for you. Our expert team is ready to work with you to find the financing solutions that work for you, so you can get the right loan on the right terms with quick and easy decision-making.
Effective as of 8/3/2025
| Term | Rate | APR7 |
|---|---|---|
| Term: Up to 36 Mo | Rate: 6.250% | APR7: 6.595% |
| Term: Up to 48 Mo | Rate: 6.250% | APR7: 6.514% |
| Term: Up to 60 Mo | Rate: 6.250% | APR7: 6.465% |
| Term: Up to 72 Mo | Rate: 6.250% | APR7: 6.433% |
All rates and Annual Percentage Rates (“APRs”) are effective as of the date shown, are for illustrative purposes only and are subject to change without notice.
7APR assumes a $20,000 loan with a $100 documentation fee, excellent credit history, and a loan-to-value ratio of 100%. Rates and down payment requirements vary according to credit history. Additional .50% for no automatic payment from a First National Bank of Hutchinson account. Subject to credit approval. Monthly payment amounts vary by loan term and rates. For example, a loan for $20,000 will have a minimum monthly payment of $391.00 over 60 months at 6.465% APR.
7APR assumes a $20,000 loan with a $100 documentation fee, excellent credit history, and a loan-to-value ratio of 100%. Rates and down payment requirements vary according to credit history. Additional .50% for no automatic payment from a First National Bank of Hutchinson account. Subject to credit approval. Monthly payment amounts vary by loan term and rates. For example, a loan for $20,000 will have a minimum monthly payment of $391.00 over 60 months at 6.465% APR.
Personal Loans
We understand that everyone's goals, dreams, projects and plans are different. They require unique solutions from expert lenders who listen to your goals and work to help you achieve them in the quickest and easiest way possible. Trust our team of local lenders to find you the right solution with a personal touch. Our great rates, flexible payment options and easy application process can help you consolidate debt, pay off a big expense, fund a larger project and more.
Find the right loan at a great rate with terms that work for you.
Effective as of 8/3/2025
| Term | Rate | APR9 |
|---|---|---|
| Term: Up to 24 Mo | Rate: 11.000% | APR9: 11.545% |
| Term: Up to 36 Mo | Rate: 11.500% | APR9: 11.881% |
All rates and Annual Percentage Rates (“APRs”) are effective as of the date shown, are for illustrative purposes only and are subject to change without notice.
9 APR assumes a $20,000 loan with a $100 documentation fee and excellent credit history. Rates vary according to credit history. Additional .50% for no automatic payment from a First National Bank of Hutchinson account. Subject to credit approval. Monthly payment amounts vary by loan term and rates. For example, a loan for $20,000 will have a minimum monthly payment of $663.15 over 36 months at 11.881% APR.
9 APR assumes a $20,000 loan with a $100 documentation fee and excellent credit history. Rates vary according to credit history. Additional .50% for no automatic payment from a First National Bank of Hutchinson account. Subject to credit approval. Monthly payment amounts vary by loan term and rates. For example, a loan for $20,000 will have a minimum monthly payment of $663.15 over 36 months at 11.881% APR.
Personal Line of Credit
Borrow money as you need it with a personal line of credit from The First. Our team of local lenders works hard to understand your needs, and come up with solutions that work for you. Whether you're looking to refinance your student loans, fund some minor home improvements or pay off medical expenses, a personal line of credit can help keep your interest payments down. You'll have access to an available balance of funds at any time during the draw period.
