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Auto Loans

Get more value for your vroom.

Whether you’re buying a new or used car, truck, SUV, or van, Floridacentral Auto Loans offer competitive rates, flexible repayment terms, and local lending decisions. Apply online, get pre-approved before you shop, or use our vehicle-buying resources to finance your next ride with confidence.  

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Auto Financing That Fits Your Budget

Whether you’re purchasing a new or used vehicle, Floridacentral offers financing with competitive rates, flexible loan terms, and local lending decisions. Our team will help you choose an auto loan that fits your budget, driving needs, and financial goals.

Financing That Fits Your Needs

Choose from a variety of loan terms and enjoy the flexibility of selecting the payment due date that best fits your monthly budget.

Loan Features

  • Competitive rates as low as 5.25% APR1
  • Loan terms up to 84 months
  • Choose your monthly payment due date
  • Quick, local loan decisions and processing
  • Personalized service from application through payoff

Get Pre-Approved Before You Shop

Getting pre-approved gives you a clear understanding of your budget before you visit the dealership. It can also simplify the buying process and help you negotiate with confidence when you’re ready to purchase your next vehicle.

Additional Benefits

  • Shop with confidence knowing your approved budget
  • Potentially strengthen your negotiating position
  • Streamline the financing process at the dealership
  • Refinance an existing auto loan from another financial institution
  • Payment protection options available

Vehicle Shopping Tools That Make Buying Easier

Finding your next vehicle should be exciting, not overwhelming. That’s why Floridacentral offers Find My Ride, a collection of car-buying resources designed to help you shop with confidence, compare options, and simplify the buying process from start to finish.

Whether you’re browsing inventory online, working with an Auto Advisor, or exploring quality pre-owned vehicles through CU Auto Branch, we’re here to help make your next purchase easier.

Find My Ride Resources

  • Floridacentral AutoSMART: Search millions of new and used vehicles from participating dealerships while exploring financing options.
  • Auto Advisors: Receive personalized guidance from an experienced advisor who can help you navigate the car-buying process.
  • CU Auto Branch: Shop a selection of quality pre-owned vehicles with a straightforward, no-haggle buying experience.

Explore Find My Ride

Apply Now

Auto Loan Rates

Explore our current rates for new and used vehicles, motorcycles, recreational vehicles, watersports vehicles, motorsports vehicles, and mobility vehicles. Your final rate is based on factors such as creditworthiness, the vehicle being financed, and the loan term.

Loan TypeAPR1Term2
Car – Newas low as 5.25%Up to 72 months
Car – Usedas low as 5.75%Up to 72 months

New Cars:
New Car loan with a 72-month term and a 5.25% APR  would have an estimated monthly payment of $16.23 per thousand dollars borrowed.  

Used Cars:
A Used Car loan with a 72-month term and a 5.75% APR  would have an estimated monthly payment of $17.42 per thousand dollars borrowed.

Apply Now

Estimate Your Monthly Payment 

Use our auto loan calculator to estimate your monthly payment based on the loan amount, interest rate, and repayment term you’re considering. 

Move your auto
loan to Floridacentral
& drop your rate to
4.99%APR3
Refinance

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Auto Loan FAQs

Have questions about financing your next vehicle? We’re here to help.

Yes. Pre-approval helps you understand your budget before visiting a dealership and can strengthen your negotiating position by showing sellers you’re a qualified buyer.

Yes. Floridacentral offers financing for both new and used vehicles. Our lending team can help you choose the loan option that’s right for your purchase.

The length of a pre-approval may vary. Contact our lending team for current pre-approval timeframes and any requirements to keep your financing active while you shop.

Yes. Refinancing may help you lower your interest rate, reduce your monthly payment, or adjust your loan term depending on your financial goals and qualifications.

Loan terms are available for up to 84 months, depending on the vehicle and your qualifications.

Generally, you’ll need identification, proof of income, information about the vehicle you’re purchasing (if applicable), and any trade-in or insurance information. Our lending team will let you know if additional documentation is needed.

AutoSMART is Floridacentral’s online vehicle shopping tool that lets members browse millions of vehicles from participating dealerships while exploring financing options in one convenient place.

Visit our Help Center for more frequently asked questions or contact our team. We’re here to answer your questions about auto financing and help you choose the vehicle loan that’s right for your needs.

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Disclosures

1 APR - Annual Percentage Rate. Annual Percentage Rate based upon individual applicant's creditworthiness, the year, make and model of vehicle, and term of the loan. Other terms and rates available. Rates and terms are subject to change without notice. Payment does not include insurances. Terms up to 120 months are available for Recreational and Watersport vehicles. Rates effective as of September 30, 2026.

2 May be eligible for longer terms, subject to approval, rate may be higher.

3 4.99% Annual Percentage Rate (APR) is effective as of September 30, 2026 for terms up to 84 months. An 84-month loan with a 4.99% APR would have a monthly payment of $14.14 per thousand dollars borrowed. Approval is based on individual applicant’s creditworthiness, year, make, model and mileage of vehicle. Not all will qualify. This offer applies only to auto loan refinances from other financial institutions: existing Floridacentral loans are not eligible. Refinance requests involving change in ownership are excluded. This offer cannot be combined with other promotions. Membership eligibility required. This offer subject to change or end without notice. Rate may be higher for LTV over 125%