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.
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 October 23, 2025 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.
