Auto Loans

Looking for a new set of wheels? Turn to Community First Credit Union for your Auto Loans. We make car buying and refinancing easy with great low rates, flexible terms, and no payments for the first 90 days.^**

Apply Now Call our Express Team at 904.204.2929

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Loan Options
Benefits
Resources
FAQs

Vehicle loans for whatever drives you

It's easy to apply online, and our team of financing experts can help you find the best loan. From buying your first car to financing your dream ride and everything in between, Community First Credit Union has affordable loan options to get you in the driver's seat. In 2023, CardRates.com has recognized us as the most trustworthy choice for auto loans in the state of Florida.

New & Used Car Loans

Take the wheel and drive with an affordable car loan from Community First Credit Union. With great rates and flexible terms up to 84 months, you can find the right loan for you and your budget. Available for new and used sedans, trucks, SUVs, crossovers, luxury vehicles, and vans. Learn more.

Apply Schedule an Appointment

Auto Loan Refinance

Love your car but unhappy with your loan? Refinance with Community First Credit Union and save. Learn about tips for saving money on your auto loan by lowering your monthly payments with a lower interest rate or better loan term. We even offer lease buyouts. Learn more.

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Recreational Loans

Explore our recreational loans and find one that fits your passion. Whether it’s taking the family camping, going on a joyride, or deep sea fishing, we have the loan to get you the equipment you need to make the most of your play time. Learn more

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Auto Loan Express Drafts

Shopping for a car can be stressful if you're not sure what you can afford. Our Auto Loan Express Drafts help you shop confidently. You apply for pre-approval on a car loan before you hit the dealership. Learn about the benefits of getting pre-approved for an auto loan and drive away as a cash buyer. Learn more

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Benefits of a Community First Auto Loan

Low interest rates

We offer some of the best auto loan rates in the area. View our rates before you head to the dealership.

Flexible financing terms

With terms up to 84 months for new and used cars, you can finance your ride your way at a price you can afford.

Easy, fast approvals

We make all lending decisions locally, so we can approve your loan in minutes, online, or in a branch.

No payments for 90 days

Drive away happy and celebrate your new car with no payments for the first 90 days.**

Calculator | Monthly Car Payment

Resources

A family taking a selfie while showing off the keys to their new car.

Blog | Tips to help you qualify for a car loan

Many different factors determine if you'll qualify for a car loan. We'll explain each one with tips to help you improve your creditworthiness. Listen to Drive Away Happy Podcast

Read Now

A smiling couple sitting inside their new car, receiving the keys.

Blog | Benefits of car loans from credit unions

Did you know there are distinct advantages to financing your auto loan with a credit union? We explain the benefits and how to get a car loan from credit unions like ours.
Learn the value of cars in the JD Power Guide.

Read Now

A girl smiling holding a cup and looking at her smart phone.

Blog | The value of a good credit score

Your credit score is a significant financial indicator for potential lenders. Find out why your credit score is so important and how you can improve it. Annual Credit Report.com

Read Now

Couple closing on a contract with an agent, shaking hands.

Blog | Loan terminology to know

Loans have a lot of specific terms and jargon that can be confusing. We explain the basics so you can be empowered and informed.

Read Now

moveUP Module on Understanding Auto Loans

Empower yourself to reach your financial goals at every stage of life with our free moveUP Financial Wellness Program. Available for students, adults, and entrepreneurs.

Learn More

FAQs

Am I eligible for membership at Community First Credit Union?

Community First Credit Union membership is open to anyone who lives, works, or attends school in one of the following Florida counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia.

Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to select employer groups, including employees of Brooks Rehabilitation, Miller Electric Company, and Web.com. Not sure if you qualify? Contact us.

What do I need to apply for an Auto Loan?

To apply for an Auto Loan, you generally need to provide the following information:

Valid United States Driver's License, Permanent Resident Card, or United States Passport
Your income
Your address and proof of residence
The make and model of the vehicle you want to finance.
The desired loan amount and terms

Other documentation may be needed depending on your specific financial situation, but the information above is a good starting point and can make it easier to apply for a loan.

How do I apply for an Auto Loan?

You can apply for a Auto Loan online or in a branch. It takes minutes to complete the application, and eligible borrowers receive approvals in minutes.

^*Special Offer - Auto Loans - APR= Annual Percentage Rate. Credit, membership, and other restrictions apply. A payment example is $20,000.00 financed for 72 months at 5.74% is approx. $329.77. Rates are subject to change without notice. Minimum loan amount is $14,000. Offer applied to new vehicles of 2023 or newer. Refinances of existing Community First Credit Union FL loans do not qualify for this offer. Offer may end at any time without notice.