FCU4U Auto

FCU4 Auto

Let's make your new ride a reality

It's time to get the keys to your new (or new-to-you) ride! We've got auto loan options, just roll on in and we'll navigate financing together. Don't worry — we'll handle the loan logistics so you can focus on finding your perfect ride.

Let's get you on the road!

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Love at first drive? We'll help with an auto loan.

Perks of going with FCU:

Competitive Rates

When every penny counts, we can help you save with a rate that fits your budget.

Flexible Terms Up to 84 Months

Choose the loan repayment timeline that best fits you budget, from 36 to 84 months.

Defer Payments for 90 Days¹

Get driving right away while delaying your first payment by up to 90 days.

100% Financing Available

Receive financing to cover the full cost of your new or used vehicle purchase.

Pre-Approval Prior to Purchase

Know your budget before negotiating with pre-approval before you head to the dealership.

Loans for Both New and Used Vehicles

Finance the car you want, new or used, with loan options tailored for your situation.

 Need a little guidance?  


Shop and price match from the comfort of your home when you use FCU’s Online Car Buying Service, powered by TrueCar®, to purchase a new or used vehicle. You can also use CARFAX™ for used vehicle history reports. Go to TrueCar®.

Auto Advisor

Our free Auto Advisor Service empowers member with savvy negotiating tips before visiting dealerships, helping you get the best deal on the vehicle you want. Contact FCU.

Central FL Locations

Visit a branch – we have 13 locations in north and central Florida – for in-person answers to your car buying questions.


Need to calculate a payment? See what you can afford with this calculator. 

Hit the road with confidence.

Apply Now

Other options to open your account

Online Account Opening

Complete an application online to get started

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Call 800-284-1144

Get connected with a FCU service representative

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Visit Us!

We have 13 locations in north and central Florida

Find a Branch Near You

But don't just take our word for it...

Brandon F.

"Had amazing help getting a car loan where no other place would even try and help all thanks to TJ. Without his help we would still be looking around and stressing out trying to figure out what to do!"

Stephanie B.

"Alexis is hands down the best! She was there every second of the way getting me into my dream car! She is very very responsive and will answer any question you may have! 10/10!" 

Community-first, always

Florida Credit Union has been serving our community for over 70 years. As a not-for-profit financial institution, our focus is on enriching our members' lives, not maximizing profits. We take pride in making the communities we serve better places to live, work, and play.


Subject to credit approval.

1. No payment for 90 days:  Offer for auto, SUV and truck loans only. Payments may be deferred for the first 90 days; interest accrues from inception.