Lender profile
First Watch
Lender Live rate observations
First Watch at a glance
First Watch is a lender based in Texas. LoanMate.ai tracks 8 published loan products from First Watch (8 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.29% on New auto loan · 84 months. Its New auto loan · 84 months rate of 4.29% is 1.66 points below the national median of 5.95% (across 225 lenders publishing that product). First Watch lends in Texas only.
Home equity loan (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL | — | 6.49 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (6)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-84 | — | 4.29 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-84 | — | 4.29 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-72 | — | 4.29 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 5.09 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-48 | — | 5.59 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-36 | — | 6.59 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC | — | 9.99 | — | — | 2026-10-17 | Lender source ↗ |
How First Watch compares
- #1 nationally for Used auto loan · 84 months — 4.29% (of 113 lenders publishing it)
- #2 nationally for New auto loan · 84 months — 4.29% (of 225 lenders publishing it)
- #2 nationally for Used auto loan · 72 months — 4.29% (of 149 lenders publishing it)
Compare all home equity loan rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in Texas
Compare with: 1St Community, 4U, A+, Abilene Teachers
Common questions
What is the lowest published rate at First Watch?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from First Watch is 4.29% on its New auto loan · 84 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does First Watch lend?
First Watch lends in Texas only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does First Watch's New auto loan · 84 months rate compare nationally?
First Watch publishes New auto loan · 84 months at 4.29%. The national median for that product is 5.95% across 225 lenders in LoanMate.ai's October 17, 2026 dataset, so First Watch is 1.66 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.