Pick Your Auto Loan Promotion ... Or Choose Both!

Six Months to First Payment*

Six Months to First Payment*

Get More Room In Your Budget
An auto loan from First Commerce Credit Union can make it possible for you to hit the road in a new or used car this summer AND make no payments for up to six months! You can even refinance your auto loan from another lender.

  • Competitive rates
  • Terms up to 84 months
  • Easy, secure online application with quick response times
  • Local decisions, local service

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Buy Now, Lower Your Rate Later**

Buy Now, Lower Your Rate Later**

Have A Say In What You Pay
For a limited time, you can choose to either shorten the term of your loan OR reduce your payment. It’s the type of flexibility you get when you work with a truly local lender.

  • Borrower may choose to either shorten the loan term or reduce their payment.
  • Must make six months of on-time payments to be eligible
  • Additional eligibility requirements and credit qualifications apply
  • Reduce your rate conveniently in Digital Banking

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Up To 100% Financing

Terms up to 84 Months

Easy Application Process

Fast Local Approval

TermAnnual Percentage RatePayment Per $1,000 Borrowed
48 months or less5.24% – 16.99%$23.18 – $29.01
60 months5.49% – 16.99%$19.41 – $24.99
66 months5.74% – 16.99%$17.74 – $23.55
72–75 months (minimum $15,000) For qualified borrowers5.99% – 12.49%$16.05 – $19.36
84 months (minimum $25,000) For qualified borrowers6.49% – 13.24%$14.88 – $18.41
TermAnnual Percentage RatePayment Per $1,000 Borrowed
48 months or less5.49% – 16.99%$23.30 – $29.01
60 months5.74% – 16.99%$19.25 – $24.99
66 months5.99% – 16.99%$17.86 – $23.55
72 months (minimum $15,000)6.49% – 12.99%$16.85 – $20.16
84 months (minimum $25,000) For qualified borrowers6.99% – 10.24%$15.13 – $16.79

Term
48 months or less
Annual Percentage Rate
5.24% – 16.99%
Payment Per $1,000 Borrowed
$23.18 – $29.01
Term
60 months
Annual Percentage Rate
5.49% – 16.99%
Payment Per $1,000 Borrowed
$19.41 – $24.99
Term
66 months
Annual Percentage Rate
5.74% – 16.99%
Payment Per $1,000 Borrowed
$17.74 – $23.55
Term
72–75 months (minimum $15,000) For qualified borrowers
Annual Percentage Rate
5.99% – 12.49%
Payment Per $1,000 Borrowed
$16.05 – $19.36
Term
84 months (minimum $25,000) For qualified borrowers
Annual Percentage Rate
6.49% – 13.24%
Payment Per $1,000 Borrowed
$14.88 – $18.41

Term
48 months or less
Annual Percentage Rate
5.49% – 16.99%
Payment Per $1,000 Borrowed
$23.30 – $29.01
Term
60 months
Annual Percentage Rate
5.74% – 16.99%
Payment Per $1,000 Borrowed
$19.25 – $24.99
Term
66 months
Annual Percentage Rate
5.99% – 16.99%
Payment Per $1,000 Borrowed
$17.86 – $23.55
Term
72 months (minimum $15,000)
Annual Percentage Rate
6.49% – 12.99%
Payment Per $1,000 Borrowed
$16.85 – $20.16
Term
84 months (minimum $25,000) For qualified borrowers
Annual Percentage Rate
6.99% – 10.24%
Payment Per $1,000 Borrowed
$15.13 – $16.79

Rates are accurate as of September 26, 2025 and are subject to change without notice.

Member Testimonial

“I had some issues concerning an auto loan and an insurance plan, but you resolved it easily and efficiently. I feel confident that if any issues arise in the future, I can call First Commerce and get straight answers and great service!”

Member Testimonial

Frequently Asked Questions

Answer: Qualified borrowers can choose to delay their first payment for six months. However, interest will accrue during this period, which can increase your monthly payment by $5–$15 depending on your loan amount, term, and rate.
Answer: After making six months of on-time payments, eligible borrowers may request a rate reduction. You may choose to either shorten the term of your loan or reduce your payment.

The new rate will be based on the posted rate for the original loan term. Only one rate reduction per loan is allowed.

First Commerce will not rate match another lender as part of this program.

To qualify:
  • Your loan balance must be over $5,000
  • Borrower must not be overdrawn or delinquent on any First Commerce account
Additional eligibility and credit requirements apply
Answer: No, there is no penalty for early loan payoff.
Answer: Yes, but only if your current auto loan is held by another lender. Loans are subject to credit qualifications and approval.
*Offer good through September 30, 2025, and subject to change. Loans subject to credit qualifications and approval. Rate will be determined after a credit review and loan term is selected. Six months until first payment feature available to qualified borrowers. Autos being refinanced must be held by another lender. Interest will accrue during the six months until first payment, and will cause a slightly higher payment throughout the life of the loan ($5-$15 per month on a typical size auto loan) depending on the term of your loan, loan amount and rate. There is no penalty for early loan payoff. Waiting six months until first payment is not required. Call 850.488.0035 or 1.800.533.5772 for details about credit costs and terms.

**Borrower may choose to shorten the loan term or reduce their payment. Reduced rates will be based on the posted rate for the original term of the loan. First Commerce will not rate match another lender as part of this program. Loan balance must be greater than $5,000 at the time of rate reduction request. Limit one rate reduction per loan. Must make six months of on-time payments to be eligible. Borrower cannot be overdrawn in their First Commerce checking account or delinquent on any First Commerce loan at time of rate reduction request. Additional eligibility requirements and credit qualifications apply. Visit www.firstcommercecu.org for details. Equal Opportunity Lender.