Fast Auto-Financing Process
New or Used, get it financed in no time
Whether you are buying a car, truck, or SUV from a car dealer or from a private seller and need to be pre-approved for a loan, we can help you finance your next ride. We’ll even work with you if your credit score is not the best.
Why Finance Your Next Auto with FCU?
Whether you need a loan for a car, truck, or SUV, we have options with competitive interest rates that are often lower than traditional banks.
- 36-84 Months repayment terms
- Option to defer payments for 90 days1
- 100% financing available
- Get pre-approved before heading to the dealer
- Loans for new or used cars
Refinance with FCU
Refinancing your auto loan can help you save money on the vehicle you already own. Refinancing your auto loan can have many benefits such as:
- Get cash out
- Reduce your payment
- Save on interest
- Reduce or extend term options
Get Started Today!
Protect Your Investment
After you buy, it's time to protect your investment. FCU offers three types of coverage for every vehicle we finance. Guaranteed Asset Protection (GAP), Mechanical Breakdown Insurance & Roadside Assistance and Payment Protection Insurance can all help safeguard you against financial hardship. Fees apply; coverage is subject to approval.

Protect your investment if your vehicle is stolen or damaged beyond repair.

Helps you pay for accident-related costs.

If a FCU borrower is disabled or dies, we can continue to make loan payments to help your loved ones.
Resources
Free Auto Advisor Services
If you have never purchased a car before, there's a lot to learn about buying a new or used vehicle, and Florida Credit Union is here to help.
- Our Auto Advisor Service starts before you even start visiting showrooms.
- We can teach you how to save money and get the vehicle you want at the right price.
- You'll gain a competitive edge with tips about negotiating in high-pressure situations.
- The Auto Advisor Service is completely free. It's another valuable benefit that puts FCU members on the road to financial success.
Vehicle Loan Calculators
Vehicle Loan FAQs
DISCLOSURES
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.
Calculators: The calculators found on this page are for information purposes only. While the results of the calculators may be generally accurate, the results do not reflect any specific Credit Union accounts, loans or other products or services and may not exactly match the calculation methods used by the Credit Union (or any third party) for accounts, loans or other products or services. These calculators should be used only for general informational purposes and should not be relied on for any specific transaction.