Auto Financing Made Simple

Get valuable perks when you finance with First Florida.

Your next car is waiting. Let First Florida help you get behind the wheel! With direct financing, you can unlock a competitive rate and a term that best fits you. Plus, you can take advantage of value-added perks to protect your purchase.

Enjoy a better car buying experience with:

Budget-Friendly Finance Terms
Up to 90 Days of No Payments⁺
Quick Application with Same-Day Response

First Florida takes pride in offering members exceptional value through added benefits to support your purchase. You can always count on premium financing features, including:

Pre-approval before you shop so you stay in the driver's seat of your purchase
Up to 100% financing and flexible terms to keep you within budget
GAP (Guaranteed Asset Protection) and Extended Protection Plans that keep your investment protected at a fraction of what the dealer charges
Unmatched personal service from start to finish

Our special financing offers also extend to refinancing a current auto loan you have elsewhere. So either way, we have you covered.

AutoAdvisors FREE Member Resource

Take advantage of our long-standing partnership with AutoAdvisors, an auto buying service FREE to First Florida Credit Union members.

Try our Auto Loan Calculator to test-drive your payment.

Vehicle Loan Calculators (5)

How much vehicle can I afford?

How much will my vehicle payments be?

Which is better: a new or used vehicle?

Should I lease or purchase a vehicle?

Which is better: a rebate or special dealer financing?

Apply for a Loan Today

Apply for an auto loan online Apply Online
Call (800) 766-4328
Visit a branch near you or schedule an appointment

Auto Loan Rates (new & used)

Rates effective as of 2/17/2025

Daily Periodic Rate	Approximate Term	APR* as low as
0.01436%	1-42 months	5.24%
0.01436%	43-54 months	5.24%
0.01436%	55-66 months	5.24%
0.01504%	67-78 months ($18,000 minimum)	5.49%
0.0171%	79-84 months ($25,000 minimum, new only)	6.24%

*APR = Annual Percentage Rate. APR includes a .25% automatic-pay discount. Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for and what criteria we use to qualify you for a certain rate.

Payment Example: A $20,000 loan at a 5.24% APR would require a monthly payment of $23.15 per thousand borrowed for 48 months. Total interest paid is $2,215.35, total amount paid is $22,215.35.

⁺Payments can be deferred for up to 90 days from the date of loan closing. Interest will continue to accrue during loan payment deferral period. Deferring loan payments may increase the total amount of finance charges you pay. Excludes loans already financed at First Florida Credit Union. Does not apply to indirect loans. Offer can be withdrawn at any time without prior notice.

Financial Education

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Vehicle affordability Making vehicle payments Vehicle financing costs Rebates & special financing Buying a vehicle online Costs of vehicle ownership