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Auto Loans

Get great Auto Loan Rates as low as 4.99% APR* for up to 75 months. Apply today!

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Auto Loans

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 auto loan rates as low as 4.99% APR*
  • Terms up to 75 months
  • You can receive $250¹
  • No payments for up to 90 days^
  • Pre-approval available
  • Affordable payments
  • Payment Protection available
  • Find the right car with our Auto Advisors
  • Easy application process

Need a loan coupon? Simply click here for a fillable coupon.

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.

Mechanical Repair Coverage (MRC)

With MRC, you can enjoy many valuable benefits among which are:
  • Rental reimbursement: up to $35 per day (5-day maximum, 10-day maximum for parts delay); available on the first day of a covered repair
  • 24-hour emergency roadside assistance: up to $100 per occurrence; includes towing, battery jumpstart, fluid delivery, flat tire assistance and lock-out service
  • No out-of-pocket expense (except for any deductible): the administrator pays the repair facility directly for the covered repair

Protect yourself from unexpected costly repairs. Learn more about which Mechanical Repair Coverage plan is right for you.

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product. MRC-3415612.1-0121-0223 CUNA Mutual Group ©2021, All Rights Reserved.

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.

Credit Life & Disability

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against unexpected disability and covered life events could help protect more than your finances. It could help lighten the burden for the people you care about. Insure your loan payments today so you can worry a little less about tomorrow.

Credit Life, Terminal illness, Accidental Dismemberment, or Disability Claim? We are here to help!

In your time of need, our claims process is quick and easy. If you elected credit life or disability on your loan, you can use this convenient claims process to quickly and easily file your insurance claim.

To begin, please fill out a claim form here.

If you prefer, call 1-800-621-6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. MEMBER'S CHOICE® credit life and credit disability insurance is underwritten by CMFG Life Insurance Company.

TruStage Auto Insurance

The TruStage Auto Insurance program can help you receive better rates on car insurance - complete with top-notch service. It's easy to get a quote! Isn't it easy to see how much you can save? Visit TruStage and check out the savings! 

© Copyright 2019, TruStage. All Rights Reserved. TruStage™ insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

*Annual Percentage Rate based on individual applicant’s creditworthiness, year, make, model of vehicle, and term of the loan. ¹Receive $250 when you open an auto loan with floridacentral of $15,000 or more. The recipient of the incentive will receive a 1099 INT form at the end of the year in which the credit is given. Cash incentive is a one-time offer on one-time funds disbursement. Incentive will be deposited into savings within 30 business days of loan closing. Early payoff of less than one year requires full repayment of incentive. Loans must be closed directly with floridacentral and existing floridacentral loans are not eligible for refinance or this special offer. Limited time offer. Special offer is not applicable for refinances with change of ownership. Vehicle registration must be presented. ^Interest will continue to accrue during the 90-day “no payment” period. Rates, terms, and conditions are subject to change without notice. Rates effective November 11, 2022. Restrictions apply.

**Based on a minimum loan of $10,000 with a term of 60 months, and APR of 4.99%, and no down payment would have an estimated monthly payment of $188.67 compared to a minimum loan of $10,000 with a term of 60 months, and APR of 9.50%, and no down payment would have an estimated monthly payment of $210.02.