Auto Loans

happy car driver in a new or new-to-them car

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.  

Red car driving down the road

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
Open video in a modal Image of cars in showroom

Find Your Next Ride and Save


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.

  • Save money. Get special member-only savings on New and select Used cars. Save an average of $1,824 off MSRP² on new cars. 
  • Save time at the dealership or "Buy from Home". Search and price compare in advance for your next vehicle.
  • Get real pricing on local dealer inventory. See what others paid for the new car you want, and quickly find below-market priced pre-owned inventory before going to the dealership.
happy couple sitting in a car

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!

Online Account Opening

Complete an application online to get started

Apply Now
Call 800-284-1144

Get connected with a FCU service representative

Call Now
Visit Us!

We have 12 locations in north and central Florida

Find a Branch Near You

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.

Guaranteed Asset Protection (GAP)

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

Mechanical Breakdown Insurance & Roadside Assistance

Helps you pay for accident-related costs.

Loan Payment Protection

If a FCU borrower is disabled or dies, we can continue to make loan payments to help your loved ones.


FCU member sitting with a member service representative

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

There are many convenient and safe options for you to make a payment on your FCU loan. View your available payment options here.
Florida Credit Union does finance electric vehicles.
To obtain the payoff for your FCU auto loan, contact us!
You can submit proof of insurance on our partner website using your reference ID number. Once on the site, click the Enter Reference ID button located on the top right of the screen. If you don’t have your reference ID, you can click Don’t have an ID? to look up your loan by using your name, zip code, and VIN number.
It takes only minutes to get approved for an auto loan at Florida Credit Union!
Yes! Credit scores are only one of a few metrics our loan officers look at when considering loan applications.
You will need a statement from your auto loan at your current lender. If applying online, more information will be requested once you have been approved.
A co-signer is someone who agrees to be responsible to pay a debt if the primary borrower fails to make the loan payments. Having a co-signer on your loan gives FCU additional assurance that the loan will be repaid.


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.

2. Between 1/1/21 and 12/31/21, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $1,824. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer’s trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing. 

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.