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Auto Loan Express Drafts

Shop confidently for your next car with an Auto Loan Express Draft: A pre-approved auto loan that allows you to secure financing for a car purchase before you start shopping.
Apply Now Call our Express Team at 904.204.2929
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Benefits of applying for an Auto Loan Express Draft

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Lock in a low interest rate

Get pre-approved for financing at a great low rate before you shop. Then, head to the dealer confidently.

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Affordable payment options
We can help determine the payment option that's right for you, and help set you up to pay your auto bills without worry.
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Easy, fast approvals

We make all lending decisions locally, so we can approve your loan in minutes, online, or in a branch.

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Shop happy & smart

Shop for the car you want (not just what's available), knowing what you can afford, and drive away happy.

Calculator | Monthly Car Payment

CLICK HERE to see how much car you can afford.
Resources
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Blog | How to buy a car with an Auto Loan Express Draft

An Auto Loan Express Draft makes it easier than ever to get behind the wheel of a new car with flexible and affordable financing. See how it works.

Read Now
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Blog | Tips to help you qualify for a car loan
Many different factors determine if you'll qualify for a car loan. We'll explain each one with tips to help you improve your creditworthiness. Listen to Drive Away Happy Podcast
Read Now
A smiling couple sitting inside their new car, receiving the keys.
Blog | Benefits of car loans from credit unions
Did you know there are distinct advantages to financing your auto loan with a credit union? We explain the benefits and how to get a car loan from credit unions like ours. Learn the value of cars NADA Guide
Read Now
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Blog | The value of a good credit score
Your credit score is a significant financial indicator for potential lenders. Find out why your credit score is so important and how you can improve it. Annual Credit Report.com
Read Now
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Blog | Loan terminology to know
Loans have a lot of specific terms and jargon that can be confusing. We explain the basics so you can be empowered and informed.
Read Now
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moveUP | Understanding Auto Loans
Empower yourself to reach your financial goals at every stage of life with our free moveUP Financial Wellness Program. Available for students, adults, and entrepreneurs.
Learn More

Explore other great products and find what's right for you

New & Used Car Loans

From first cars to dream cars and everything in between, Community First is there for the ride with great low rates and quick approvals.
Apply Now Learn More

Auto Loan Refinance

Lower your monthly payment when you refinance at a better rate or different terms. We refinance new and used cars and lease buyouts
Apply Now Learn More

Recreational Loans

Finance some fun and just be yourself with an affordable recreational loan. Available for motorcycles, ATVs, boats, RVs, and more
Apply Now Learn More

Special Purpose Savings Account

Whether you're saving for a vacation, holiday shopping, or a down payment on a car, our Special Purpose Savings account helps you meet all your savings goals.
New Member | Open Account Learn More

 

FAQs

Am I eligible for membership at Community First Credit Union?

Community First Credit Union membership is open to anyone who lives, works, or attends school in one of the following Florida counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia.

Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to select employer groups, including employees of Brooks Rehabilitation, Miller Electric Company, and Web.com. Not sure if you qualify? Contact us.

What is an Auto Loan Express Draft?
With an Auto Loan Express Drafts, the member is given the pre-approved express draft, giving them the freedom to shop around at any dealership they choose, knowing their pre-approved amount.
 
Once you find the car you want in your pre-approved price range, you'll complete the purchase by signing the draft authorization.
What do I need to apply for an Auto Loan Express Draft?
To apply for an Auto Loan Express Draft, you generally need to provide the following information:
  • Valid United States Driver's License, Permanent Resident Card, or United States Passport
  • Your income
  • Your address and proof of residence
  • The make and model of the vehicle you want to finance.
  • The desired loan amount and terms
Other documentation may be needed depending on your specific financial situation, but the information above is a good starting point and can make it easier to apply for a loan.
How do I apply for an Auto Loan Express Draft?
You can apply for an Auto Loan Express Draft online or in a branch. It takes minutes to complete the application, and eligible borrowers receive approvals in minutes.

*Auto Loan Refinance - Credit and other restrictions apply. Get $250 for refinancing an auto loan balance of at least $25,000 or more. Excludes loans already financed at Community First. Funds will be posted in Community First Share account within 30 days of loan funding. Offer may end at any time without notice.

**Credit, income, and other restrictions apply. First payment may be deferred up to 90 days. Interest continues to accrue during deferred payment period. Deferring your payment will result in your having to pay higher total Finance Charges. Offer can end at any time without prior notice.