Auto Loans

Get great new Auto Loan Rates as low as 3.15% APR* for up to 75 months. Plus, no payments for up to 90 days. Apply today!


If you are tired of car repairs or need to upgrade to a family vehicle, floridacentral can help you get behind the wheel of a new or pre-owned car or truck. Contact us before you start shopping so we can give you an idea of how much financing you'll be approved for, and even give you pre-approval for additional bargaining power. 

  • Great new auto loan rates as low as 3.15% APR*
  • Terms up to 75 months
  • No payments for up to 90 days¹
  • Pre-approval available
  • Affordable payments
  • Payment Protection available
  • Find the right car with our Auto Advisors
  • Easy application process

*Annual Percentage Rate based on individual applicant’s creditworthiness, year, make, model of vehicle, and term of the loan. Restrictions apply. Refinances only available for non-floridacentral loans. Rates and terms are subject to change without notice. ¹Interest will continue to accrue during the 90 day "no payment" period. Contact floridacentral for complete details.

^Based on a minimum loan of $10,000 with a term of 60 months, and APR of 3.15%, and no down payment would have an estimated monthly payment of $180.35 compared to a minimum loan of $10,000 with a term of 60 months, and APR of 9.20%, and no down payment would have an estimated monthly payment of $208.56. 

Find My Ride

floridacentral offers two easy and convenient ways to help you find the car you are looking for.

  • Auto Advisors – floridacentral’s auto advisors can help eliminate all of the hassle and pressure from the car buying experience. This service is a free to all floridacentral members. Whether you are looking for a new or used car, floridacentral’s auto advisors will find what you are looking for.  Contact our Auto Advisor, Chris Engel, at 727.420.5515 today. For more information about this service, contact us or you can visit their website.
  • CU Auto Branch – The CU Auto Branch is committed to providing the highest standards of quality, selection, and value on premium used cars at a great value. The CU Auto Branch works closely with floridacentral during the financing process and provides a no haggle car buying experience. For a selection of their inventory, check out their website.
Payment Protection

Extended Warranties

Cars always seem to break down just after the factory warranty expires. Now you can gain peace of mind by purchasing an extended warranty for your new or newer pre-owned vehicle. Not only do extended warranties save you money on expensive repairs, but our extended warranties save you up to 50% on what the dealer charges.

GAP Coverage

GAP (Guaranteed Asset Protection) is a great product that can easily be built into your loan package, giving you peace of mind. It pays the difference between the balance on your vehicle loan and what your insurance pays in the event your vehicle is stolen or totaled. When you purchase or refinance your next vehicle, contact floridacentral Credit Union to apply and save money with GAP.