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Mobility Vehicle Loans

Maintain your independence with financing built around you. 

Floridacentral Mobility Vehicle Loans help eligible borrowers finance new or used vehicles equipped with accessibility modifications, including wheelchair-accessible vans and other adaptive vehicles. With competitive rates, flexible terms, available rate discounts, and local lending decisions, you can choose financing designed around your mobility needs. 

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Financing Built for Accessibility

Floridacentral Mobility Vehicle Loans may be used to finance eligible new or used vehicles equipped with accessibility modifications. Qualifying vehicles may include wheelchair-accessible vans, vehicles with ramps or lifts, adaptive driving controls, and other mobility equipment. Rates are available as low as 6.99% APR1, with terms up to 65 months.

Loan Features

Enjoy competitive rates, flexible repayment terms, and personalized service from a local lending team that’s here to help every step of the way.

Loan Features

  • Rates as low as 6.99% APR1
  • Terms up to 65 months
  • Financing for eligible new and used accessible vehicles
  • Flexible payment options
  • Choose your monthly payment due date
  • Quick, local loan decisions
  • Personalized service throughout the loan process

Save Even More

  • Save with combinable loan rate discounts of up to 0.60% off your rate
  • Community heroes — current or retired military, law enforcement, first responders, healthcare workers, and educators — can save up to 0.35%3 with a Legends Loan discount2
  • Explore resources on financial aid and grants available in Florida for purchasing an accessible vehicle
Apply Now

Mobility Vehicle Loan Rates

Review current rates for eligible new and used mobility vehicles. Your final rate will depend on factors such as creditworthiness, the vehicle year, make, model, equipment, loan amount, and repayment term.

Loan TypeAPR4Term5
Mobility Vehicle – Newas low as 6.99%Up to 120 months
Mobility Vehicle – Usedas low as 6.99%Up to 120 months

New Mobility Vehicle:
A Mobility Vehicle loan on a New Mobility Vehicle with a term of 72 months, an APR of 6.99%, and no down payment would have an estimated monthly payment of $17.05 per thousand dollars borrowed.

Used Mobility Vehicle:
A Mobility Vehicle loan on a Used Mobility Vehicle with a term of 72 months, an APR of 6.99%, and no down payment would have an estimated monthly payment of $17.05 per thousand dollars borrowed.17.0

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Estimate Your Monthly Payment  

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

More Financial Resources for Your Journey

Financial solutions designed to help you enjoy every mile.

Vehicle Loans

Explore additional financing options for cars, motorcycles, RVs, boats, and other eligible vehicles.

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Money Market Accounts

Build your savings while earning competitive dividends on your balance.

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Personal Loans

Flexible financing for life’s adventures and unexpected expenses.

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Financial Wellness Tools

Explore calculators, articles, and resources to help you make informed financial decisions.

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Mobility Vehicle Loan FAQs

Have questions about financing mobility vehicles? We’re here to help.

Eligible vehicles may include wheelchair-accessible vans, vehicles equipped with ramps or lifts, adaptive driving controls, and other approved mobility modifications. Eligibility depends on the vehicle, equipment, loan requirements, and credit approval.

Eligible rate discounts may be combined for total savings of up to 0.60%, subject to qualification and program requirements. Available discounts may include the Legends Loan discount and an eligible GAP-related rate reduction.

Current or retired military members, law enforcement officers, first responders, healthcare workers, and educators may be eligible for a rate discount of up to 0.35% on a Mobility Vehicle Loan.**

Floridacentral can provide information about third-party financial assistance and grant resources that may be available to eligible Florida residents. Availability and qualification requirements are determined by the organizations providing those programs.

Yes. For added convenience, you can select the day of the month your payment is due.

Financing eligibility for accessibility modifications may depend on whether the equipment is included with the vehicle purchase or added afterward. Contact Floridacentral before applying so our lending team can review the vehicle and modification details.

Yes. Eligible used mobility vehicles may qualify for financing, subject to the vehicle’s age, condition, value, accessibility equipment, credit approval, and other lending requirements.

Visit our Help Center for more frequently asked questions or contact our team. We’re here to answer your questions and help you explore financing for an accessible vehicle that fits your mobility needs.

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Disclosures

1 Annual Percentage Rate based on individual applicant’s creditworthiness, year, make, model of vehicle, and term of the loan. Rates, terms, and conditions are subject to change without notice. Rates effective September 30, 2026.

2 Primary borrower or co-borrower must be a current, retired, or veteran member of the military, law enforcement, healthcare worker, or educator. When the loan is initiated and completed directly with Floridacentral, the maximum discount is 35 bps (.35%) with a Floridacentral checking account + autopay or auto transfer. When the loan is initiated and completed at a dealership (indirect), the maximum discount is 10 bps (.10%) with a Floridacentral checking account + autopay or direct deposit on the loan. A branch visit is required to obtain the discount on indirect consumer loans. Existing Floridacentral loans are not eligible for these discounts. Restrictions apply. Contact us for complete details.

3 Primary borrower or co-borrower must be a current, retired, or veteran member of the military, law enforcement, healthcare worker, or educator. First Mortgage Loans: Maximum discount of 35 bps (.35%) with a Floridacentral checking account + autopay or auto transfer. Consumer Loans: When the loan is initiated and completed directly with Floridacentral, the maximum discount is 35 bps (.35%) with a Floridacentral checking account + autopay or auto transfer. When the loan is initiated and completed at a dealership, the maximum discount is 10 bps (.10%) with a Floridacentral checking account + autopay or direct deposit on the loan. A branch visit is required to obtain the discount on indirect consumer loans. Share-secured and unsecured loans are not eligible for the Legends Loan discounts. Special 4.99% Auto Loan Refinance offer not eligible for Legends Loans discount. The Annual Percentage Rate is based on the individual applicant’s creditworthiness and the year, make, model, and mileage of the vehicle, if applicable. Existing Floridacentral loans are not eligible for these discounts. Restrictions apply. Contact us or visit floridacentralcu.com for complete details.

4 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.

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