New Auto Loans
Rates as low as 4.69%APR* on a new auto loan.
South Florida's number one credit union.† Apply online in minutes.
You don't need to be a member to apply for an auto loan. Apply for your rate today, and we'll handle your membership automatically when you're approved.
What your payment could look like
At 4.69% APR* over 48 months. Your numbers depend on your rate, term, and amount financed.
$20,000
financed
$458/mo
$30,000
financed
$687/mo
$40,000
financed
$916/mo
Payment examples are for illustrative purposes only. Amounts shown ($20,000 / $30,000 / $40,000) reflect estimated monthly payments at 4.69% Annual Percentage Rate (APR) over a 48-month term for a well-qualified borrower and do not include applicable taxes, title, registration fees, or optional add-on products. Your actual APR, term, and payment amount may differ based on credit history, loan amount, term, and vehicle financed, and are subject to credit approval. Pricing displayed is not final and is subject to change without notice. See full rate disclosure below for complete terms.
Key benefits
Lower rate. Lower payment.
As low as 4.69% APR*1 on a new vehicle, with financing available for up to 100% of MSRP. A not-for-profit cooperative returns its earnings to members as lower rates, and that shows up in your monthly payment.
Skip the dealership grind
Our auto advisors search inventory, negotiate the price, and bring the deal to you through the car buying service.2 You walk in pre-approved and drive out done.
Find your perfect auto loan
Flexible rates and terms for the car you actually want.
| Type | APR as low as1 | Terms | |
|---|---|---|---|
| New Auto | 4.69% | 12 to 48 months | Apply Now |
| New Auto | 5.25% | 49 to 78 months | Apply Now |
| Used Auto | 4.69% | 12 to 48 months | Apply Now |
| Used Auto | 5.25% | 49 to 78 months | Apply Now |
| Used Auto – Older or 100k+ Miles2 | 9.99% | Up to 36 months | Apply Now |
1 APR=Annual Percentage Rate (rate of interest charged per year). The rate quoted is for a well-qualified borrower. Payment Examples: a 48-month auto loan at 4.69% APR = $22.89 per $1,000 borrowed; a 78-month auto loan at 5.25% APR = $15.16 per $1,000 borrowed. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 7/13/2026, our floor rate is 4.69%.
2 Auto with over 100,000 miles or a 2017 model year vehicle or older.
Rates and terms are subject to change without notice. Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details.
We find the car while you relax.
Our auto advisors search real-time dealer inventory, negotiate the price, and deliver the deal — while you shop with the confidence of a pre-approved buyer.
Find your next car
Tell us the make, model, year, and budget. Our advisors search participating dealer partners for accurate pricing and confirmed availability.
Apply nowSell or trade in your current car
Submit your vehicle details for a complimentary appraisal. Apply the value toward your new purchase and roll everything into one transaction with one monthly payment.
The car buying service is available to We Florida Financial members. Auto advisors are provided by AutoAdvisors, an independently operated partner.2
Auto loan FAQs
How does applying for an auto loan affect my credit score?
Applying for an auto loan requires a full credit report inquiry — a hard pull — as part of processing your application. This is standard for any loan application and may affect your credit score.
What will my monthly payment be?
It depends on your rate, term, and amount financed. As a reference point, $30,000 at 4.69% APR* over 48 months runs about $687 a month. See more payment examples above, or apply to get your exact numbers.
Do I need to know the car I plan to purchase before I apply?
You can get pre-approved before you've picked the car. Many members apply first and shop with the confidence of a cash buyer. If you'd like help finding the car, our auto advisors will do the searching for you.2
Do I need to be a member to apply?
You don't need to be a member to apply. Apply for your rate today, and we'll handle your membership automatically when you're approved.
Once I sign my loan documents, how do I receive my funds?
[Client to provide: disbursement process — dealer direct, check, or account deposit.]
Are there mileage or vehicle restrictions on financing?
New auto financing is available on new, untitled vehicles for up to 100% of MSRP.1 Used vehicles over 100,000 miles or model year 2017 or older move to a separate rate tier rather than being excluded. [Client to provide: any additional weight restrictions.]
Are there fees for applying or for paying off the loan early?
[Client to provide: application fee and prepayment policy.]
The car you actually want, a payment that fits, and a credit union that's been Florida's since 1952.
Apply Now