COMMUNITY FIRST
AUTO LOANS

We just dropped our rates! Take advantage of 5.09% APR for 72 months* on your new car! Additional rates and terms available.

Apply Now

we just dropped our rates!

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Reach new heights with a Community First Auto Loan! With our newly lowered rates, its never been easier to get the car you want all while keeping your monthly payments low. Enjoy our featured rate of 5.09% APR for 72 months* when you apply today! Additional rates and terms available. 

Exclusive Community First Auto Loan Perks:

  • 5.09% APR for 72 months*
  • 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

Q1 2026 Auto Loan Rate Table updated

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

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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Trying to plan your budget? 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.

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. 

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.

Federally insured by NCUA. All new accounts and loans are subject to approval and membership eligibility required. Please visit our website at communityfirstfl.org/connect/become-a-member or call 904.354.8537 for more information on membership requirements.

* APR= Annual Percentage Rate. A payment example is $20,000.00 financed for 72 months at 5.09% is approx. $323.67 Minimum loan amount is $20,000. Used vehicles must be 2018 or newer. All rates are based on the member’s individual credit history. Terms are subject to conditions and verification. Credit, income and other restrictions may apply

** First payment may be deferred up to 90 days. Interest continues to accrue during deferred payment period. Deferring your payment will result in you having to pay higher total Finance Charges.

*** Financing available for up to 115% of the vehicle’s value as determined by JD Power.

Refinances of existing Community First Credit Union of FL loans do not qualify for this offer. Product offers, terms, conditions, and other information provided herein are subject to change without notice.