Rates from 1.99% APR and No Payments for 90 days

Click Here to Apply Now or complete the form below for more information.


Start focusing on what's really important.

Great news! We want to send you on a vacation from car payments starting today. When you buy or refinance with an auto loan from us, you can now defer your payments for 90 days! So get ready to free up cash and start focusing on what’s really important to you.

  • No payments for 90 days (valid for refinances and purchases)
  • Rates from just 1.99% APR**
  • $0 down payment required
  • Spread out payments for up to 84 months
  • New and used financing available

Find out how much car you can afford.

Click here to use our auto loan calculator.

An initial deposit of $5 to be held in your Community First Share account is required for membership. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. *Credit and other restrictions apply. First payment may be deferred up to 90 days. Interest continues to accrue during deferred payment period. Deferring your payment will result in your having to pay higher total Finance Charges. Offer can end at any time without prior notice. **APR= annual percentage rate. Payment example of $5,000 financed at 1.99% APR for 24 months = approx. $212.70.