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Community First

Auto Loans

Summer Rate Rush! Celebrate the end of summer and lower your payments with rates as low as 4.90% APR!* Plus, enjoy no payments for 90 days**. Skip the hassle and apply online in minutes.

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celebrating 90 years of community First

As we proudly celebrate the 90th Anniversary of Community First Credit Union, we’re excited to give back to the community that has supported us since 1935. Throughout the year, enjoy exclusive incentives as our way of saying thank you! Scroll down to learn more about our limited-time Auto Loan offer and take advantage before rates expire!

Lock in our end of summer rates

Celebrate the end of summer with our special Summer Rate Rush! For a limited time, you can refinance and lower your existing car payment with rates as low as 4.90% APR!* Enjoy additional perks like no payments for 90 days**, up to 115% financing*** and more! Check out our additional rates and terms.

With a Community First Auto Loan you can enjoy:

  • Rates as low as 4.90% APR*
  • No payments for 90 days (available on both purchases and refinances)**
  • Up to 115% financing***
  • Lock your rate for up to 45 days
  • Potentially lower your payment & reduce your rate. 

ADDITIONAL RATES AND TERMS

Auto Rates Table

READY TO GET STARTED?

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Apply online now

Apply online now, it only takes ~10 minutes to complete an application!

Apply Now
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Call our express team

Still have questions? Reach out to our express team from Monday - Friday: 8 a.m. - 6 p.m.

Call Us At 904-474-3602
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Schedule An Appointment

Save wait times in the branch by scheduling a phone or in-person appointment!

Schedule an Appointment

check out our debt consolidation loan offer!

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consolidate debt with rates as low as 9.99% aPR1

Pay down your summer debt with a Community First Debt Consolidation Loan! Take advantage of competitive rates as low as 9.99% APR1. Enjoy exclusive perks such as:

  • Rates as low as 9.99% APR1
  • No payments for up to 90 days**
  • Flexible terms and affordable payments
Learn More

need more information?

Check out these resources that will guide you in your car buying journey.

CHECK OUT OUR RATES
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Looking for the best auto rate? Explore our great low rates for both new and used vehicles!
Auto Loan Rates
AUTO LOAN CALCULATOR
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Find the best payment option for your budget using our Auto Loan Calculator
Auto Loan Calculator

Helpful Resources

Is It Better to Finance a New Car or Used?

Deciding whether to finance a new or used car is not just about getting a new set of wheels—it's about finding the right fit for your wallet and your lifestyle.  Click below to explore these factors so you can make an informed decision.

+ Read more

SHOULD I FINANCE MY CAR LOAN WITH A DEALERSHIP OR MY BANK?

When it comes to financing a car, you generally have two options financing through the dealership or a financial institution like your bank. Learn more about which one is the best option for you. 

+ Read more

HOW TO QUALIFY FOR A CAR LOAN

If you're in the market for a car, you may be wondering if you qualify for a car loan. There are more factors lenders consider than income and credit score. Click below to learn more.

+ Read more

Federally insured by NCUA. Membership is open to anyone who lives, works, or attends school in one of the following counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia. Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to Select Employer Groups, including all employees of Brooks Rehabilitation, Miller Electric Company and Web.com. All offers may end at any time without notice. An initial deposit of $5 to be held in your Community First Share account is required for membership.

* Financing available for up to 115% of the vehicle’s value as determined by JD Power. Loans are subject to approval. Offer only available for vehicles 2018 or newer. Credit, income, and other restrictions apply. Offer can end at any time without prior notice.

** Credit, income, 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.

1 - APR = Annual Percentage Rate. A payment example is $3,000.00 financed at 9.99% APR for 36 months is approx. $97.18. Credit and other restrictions apply. Offer may end at any time without notice.