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

Term
48 months or less
Annual Percentage Rate
4.64% – 16.09%
Payment Per $1,000 Borrowed
$22.87 – $28.39
Term
60 months
Annual Percentage Rate
4.84% – 17.09%
Payment Per $1,000 Borrowed
$18.80 – $24.90
Term
66 months
Annual Percentage Rate
5.19% – 17.84%
Payment Per $1,000 Borrowed
$17.45 – $23.89
Term
72–75 months (minimum $15,000) For qualified borrowers
Annual Percentage Rate
5.79% – 12.59%
Payment Per $1,000 Borrowed
$15.92 – $19.86
Term
84 months (minimum $25,000) For qualified borrowers
Annual Percentage Rate
6.74% – 13.59%
Payment Per $1,000 Borrowed
$14.99 – $18.51

Term
48 months or less
Annual Percentage Rate
4.84% – 17.99%
Payment Per $1,000 Borrowed
$22.96 – $29.37
Term
60 months
Annual Percentage Rate
5.09% – 17.99%
Payment Per $1,000 Borrowed
$18.91 – $25.39
Term
66 months
Annual Percentage Rate
5.44% – 17.99%
Payment Per $1,000 Borrowed
$17.57 – $23.97
Term
72 months (minimum $15,000)
Annual Percentage Rate
5.99% – 12.74%
Payment Per $1,000 Borrowed
$16.57 – $19.94
Term
84 months (minimum $25,000) For qualified borrowers
Annual Percentage Rate
6.94% – 10.49%
Payment Per $1,000 Borrowed
$15.22 – $16.86

Rates are accurate as of December 2, 2022 and are subject to change without notice.

Refinance Your Auto Loan

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!

Protect Your Investment
Member Testimonial

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!”

Ready to Take the Wheel?

Apply online in minutes.

Resources for You

Explore Our Checking Accounts

Explore Our Checking Accounts

Try our Account Chooser to find the perfect account for you.

Digital & Mobile Banking

Digital & Mobile Banking

Find out what First Commerce’s powerful Digital Banking tools can do for you.

Road Map to Financial Strength

Road Map to Financial Strength

The FCCU Foundation offers free online tools to help you build your personal road map to financial strength.

Explore Our Checking Accounts

Explore Our Checking Accounts

Try our Account Chooser to find the perfect account for you.

Digital & Mobile Banking

Digital & Mobile Banking

Find out what First Commerce’s powerful Digital Banking tools can do for you.

Road Map to Financial Strength

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

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 80 years of financial expertise.