Auto Loans
No matter where the road takes you, First Commerce is here to help! Buy or refinance your car or truck at a payment and loan term you can afford. We offer competitive low rates, because you deserve to be as happy with your payment as you are with your car.
Get More From Your Auto Loan
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.
- Always competitive rates
- Flexible payment options
- Easy, secure online application with quick response times
- Local decisions, local service
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 loan payment. It's the type of flexibility you get when you work with a truly local lender.
- Lower your rate conveniently in our app
- Become eligible after 6 months of on-time payments
- Additional eligibility requirements and credit qualifications apply
- Do it all in just minutes
We Make Auto Loans Easy!
Up to 100% Financing
Terms up to 84 Months
Easy Application Process
Fast Local Approval
Rates are accurate as of June 22, 2026 and are subject to change without notice.
Refinance Your Auto Loan
Love your car or truck but not your loan payment? We can help! First Commerce offers competitive rates, up to 100% financing, and flexible terms up to 84 months or longer. Refinancing options also available for new and used vehicles.
Protect Your Investment
We know the road ahead can get bumpy. When you finance an auto loan with us, you’re eligible for our selection of Vehicle Services including GAP Waiver, Mechanical Repair Coverage, Paintless Dent Removal, and Key Coverage. Enjoy peace of mind knowing your car or truck is protected!
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!”
Resources for You
Digital & Mobile Banking
Find out what First Commerce’s powerful Digital Banking tools can do for you.
Road Map to Financial Strength
The FCCU Foundation offers free online tools to help you build your personal road map to financial strength.
Digital & Mobile Banking
Find out what First Commerce’s powerful Digital Banking tools can do for you.
Road Map to Financial Strength
The FCCU Foundation offers free online tools to help you build your personal road map to financial strength.
Your Financial Partner for Life
Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 85 years of financial expertise.
