Locations
Become a Member
Special Offer!

Limited-Time Only! Cool down your Auto Loan rate with a 0.5% APR discount!1 Apply before March 31st to take advantage of this exclusive offer.

Apply Now

New & Used Auto Loans

Find the best loan for your next new or used car, truck, or SUV at Community First Credit Union. We offer competitive rates and fast decisions on Florida auto loans.

Apply Now Call our Express Team at 904.204.2929
Jump to:

Benefits

A bar graph with a green downward arrow
Low Interest Rates

We offer some of the best rates on auto loans in Florida. View our rates and get the best deal.

Icon - Paper with dollar sign with calculator
Flexible Financing Terms

Enjoy terms up to 72 months for autos, motorcycles, scooters, ATVs and jet skis, and terms up to 180 months for boats and RVs.

Icon - Stopwatch
Easy, Fast Approvals

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

Icon - Coin with dollar sign with a line through it
No Payments for 90 Days2

Drive away happy and celebrate your new car with no payments for the first 90 days2. It's our way of saying thanks!

Calculator | Monthly Car Payment

Auto Loan Resources
A family taking a selfie while showing off the keys to their new car.
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
A girl smiling holding a cup and looking at her smart phone.
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
Couple closing on a contract with an agent, shaking hands.
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
A man and a girl looking at a laptop
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

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.

How do I apply for an Auto Loan?
You can apply for a Auto Loan online or in a branch. It takes minutes to complete the application, and eligible borrowers receive approvals in minutes.
What do I need to apply for an Auto Loan?
To apply for an auto loan, 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.

Explore Other Great Products And Find What's Right For You.

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 with an affordable recreational loan. Available for motorcycles, ATVs, boats, RVs, and more, our loans will get you where you want to go.

Apply Now Learn More

Personal Loans

Have an unplanned expense? Struggling with too much debt? Our Personal Loans get you the money you need to make your life better.

Apply Now Learn More

Auto Loan Express Draft

Get pre-approved with an Auto Loan Express Draft so you can shop confidently for your next car.

Apply Now Learn More

1 APR= Annual Percentage Rate. Cooling Down Rates 0.5% off APR offer applies for Personal Loans and Auto loans that are new, used, or refinanced from another financial institution. Loan documents must be originated on or before 3/31/2026. Loan documents originated in DocuSign must be accepted, signed, and returned by expiration date in DocuSign. In branch loan documents must be signed by 3/31/2026. Loan drafts presented to a dealership for vehicle purchase between 3/15/2026 and 3/31/2026 will receive the promotional discount. Indirect loan applications must be originated between 3/15/2026 and 3/31/2026 and documents must be signed for by 3/31/2026. All loans are subject to credit approval. Rate reduction will be applied to the approved rate tier. Restrictions may apply. Promotion excludes Green Path Auto Loans, all recreational vehicles, and refinances of existing Community First Credit Union of FL loans.

2 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.