TFCU NEW AUTO LOANS

Florida Car Loan Rates

Compare Tropical Financial Credit Union's best new and used auto loan rates.

Rates effective September 26, 2022  

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New Auto Loan Rates

36 Months

Rates as low as

2.99%
APR+

Purchase transactions only. Oher conditions may apply. 

60 Months

Rates as low as

3.84%
APR+
Minimum loan amount required. Other conditions may apply.
78 Months**

Rates as low as

4.19%
APR*
Minimum loan amount required. Other conditions may apply.
84 Months**

Rates as low as

4.84%
APR*
Minimum loan amount required. Other conditions may apply.

Used Auto Loan Rates

36 Months

Rates as low as

2.99%
APR*
Purchase transactions only. Other conditions may apply. 
60 Months

Rates as low as

4.04%
APR*
Minimum loan amount required. Other conditions may apply.
78 Months**

Rates as low as

4.39%
APR*
Minimum loan amount required. Other conditions may apply.
84 Months**

Rates as low as

5.04%
APR*
Minimum loan amount required. Other conditions may apply.

Older Used Autos and Classic Vehicles

Older Used Auto

60 months
Rates as low as

6.54%
APR*
Minimum loan amount required.  Other conditions may apply. 
Classic Vehicles

78 months
Rates as low as

6.24%
APR*
Auto must be manufactured after 1946 and at least 30 years old.  Other conditions may apply. 

Disclosures

*APR = Annual Percentage Rate. Eligibility for the lowest advertised rate is based on creditworthiness, year of vehicle, ability to repay, credit score, down payment, terms and loan to value. Other rates and terms may apply and your rate may differ based on the loan program, term of repayment and other factors. TFCU membership required with $5.00 minimum in savings. Member must reside in a state within TFCU lending area. Other conditions may apply. Rates and Offers are subject to change without notice. Current TFCU accounts must be in good-standing, not have any type of restrictions, and TFCU loans paid-to-date.

** up to 84 month rate and term available for new and used automobiles.  Minimum loan amounts and model year restrictions apply.

Automobile: New automobiles include autos current year and previous year. Used Auto includes previously titled vehicles 8 years old or newer. Loan to Value based on MSRP/Purchase price  on new vehicles or the NADA Retail value plus/minus options and mileage on used vehicles. 84 month term on used vehicles for current model year plus six model years back Maximum..  Older Used Auto includes vehicles 9 to 20 years old. and must reflect a NADA value. 

Classic Vehicles. Manufactured after 1946 at least 30years old. Other conditions may apply.

Auto Loan Example: $10,000 loan at 3.84% APR with 60 monthly payments of approximately $183.45

*90-day payment deferral subject to credit qualification. Interest will continue to accrue during the 90-day deferral period on the full amount borrowed beginning on the loan issue date. The accumulation of interest, with no payments being made to reduce the principal, will be added to the total repayment amount. If you have purchased disability, and/or life insurance any charges will continue to accrue for any deferred month, and the final loan payment will include such charges.  If you have purchased GAP insurance, please note that deferred payments may be excluded in the GAP coverage. Any deferred payments could be deducted from a GAP claim settlement, and you will be responsible for the remaining deficiency balance that may result. Other restrictions may apply. This offer may be removed at any time without notice.  Offer cannot be combined with any other offer.