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Auto Loan Express Checks

Shop with confidence.

We can help you get pre-approved for an auto loan before you buy so that you can shop as a cash buyer. Once pre-approved, we'll hand you an Express Check that you can use once you've found the car you want. Have peace of mind knowing exactly how much you can afford and a check that's there for you when you’re ready.

Call us at 904.354.8537 (select option 3)
Auto Loan Rates | Auto Loan Calculator
Schedule an Appointment


Fast Approvals


Affordable payment options


Special low rates


Extended protection plans

The Easy 5 Step Process of Auto Express Checks:

Step 1 | Apply

You can apply for an auto loan by completing
our online application,visiting any Community First branch, or calling us.

Step 2 | Review Process

We review your credit and pre-approve you for an amount you can afford.

Step 3 | Pick your
Term Preference

You pick your term preference up to 84 months (based on the year of the vehicle you’re looking for).

Step 4 | Issuing of an
Express Check

Next we issue you an express check
that you can use just like cash at any dealership.

Step 5 | Drive Away in Style

You shop as a cash buyer and drive away
with the best deal on the car you want.

Community First Auto Loan Benefits Include:


Special Low Auto Rates

Special Low Auto Rates

We offer some of the lowest auto loan rates around. Make sure to check with us to ensure you're getting the best possible rate before going to the dealership!

Extremely Fast Approvals

Extremely Fast Approvals

Your time is valuable. That's why we make all of our loan decisions locally. In doing so, we're able to approve your loan in minutes, so you will know exactly what you can afford.

Auto Insurance for Members

Auto Insurance for Members

All members have access to special insurance discounts with TruStage Auto Insurance.

Affordable Payment Options

Affordable Payment Options

Your car payment can be one of the most expensive bills you'll have to pay. We can help determine the payment option that's right for you, and help set you up to pay your auto bills without worry.

Access to Extended Protection Plans

Access to Extended Protection Plans

Once approved, we can offer you extremely affordable protection plans like Guaranteed Auto Protection (GAP) and Mechanical Repair Coverage (MRC). The GAP protection plan is designed to help reduce or eliminate the difference between the insurance and loan balance, while the MRC protection plan will protect you from unexpected vehicle repair costs. Ask us for details when applying.

Auto Loan Calculator

Auto Loan Calculator

Calculate your estimated monthly payment or loan amount to find what works best for you.

moveUP Money Talk:

Here are some great reads to help you learn more about financial tips for all of your auto needs!

All loans and accounts are subject to approval. All rates are based on an evaluation of the member’s individual credit history. Terms are subject to conditions and verification and restrictions may apply. All credit union program, rates, terms and conditions are subject to change at any time without prior notice.

Rev. 10.21