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buying a vehicle in florida is simple

We promise to guide you every step of the way and help you get the vehicle you want while saving you more money.
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Compare rates, calculate payments and get pre-approved so you will shop with confidence and save money.
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New Car

I'm shopping for a new car and need help getting a loan.
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Used Car

I'm shopping for a used car and need help getting a loan.
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I'd like to lower my monthly car payment and save money.

Estimate Your Payments and Compare Auto Loan Rates

Get an idea of what your month to month payments will be like with TFCU’s auto loan calculator. Compare rates and see how different rates will either change your monthly payments or save you more money overall.




Financing your auto loan with a credit union is a quick process.
To make sure you’re on the right road, we’ve mapped out some helpful steps to get you started:

Submit an Auto Loan Application

Start by submitting your online auto loan application. You can also apply for your auto loan by stopping in one of our branches. 

Get Pre-approved for Your Auto Loan

Getting preapproved can save you tons of time when it comes to finding your new car. It helps you know how much you can finance and what types of vehicles you can choose from.

Connect with Auto Advisors

Getting preapproved can save you tons of time when it comes to finding your new car. It helps you know how much you can finance and what types of vehicles you can choose from.

Complete Your Loan Documents

Take advantage of this free concierge car buying service that will not only save you time but money too.


Finalize Your Auto Loan
Once you’ve tied up any loose ends, we’ll send over the funds so you can get into your new ride.

Drive Off In Your New Auto
You've finished everything up. It's time to hit the open road.



When you finance an auto loan at TFCU you don’t just get any auto loan, you get an auto loan that comes with unbeatable features.

  • Competitive low-interest rates on new and used vehicles
  • 90 days no payment on auto loans*
  • Auto loan calculator to estimate costs up front
  • Discount of .25% for a member with Premium Checking Account*
  • Same day approval on most auto loans
  • Ability to work with free, member-exclusive car buying service.
  • No prepayment penalties. Reduce interest by paying early.
  • Refinance your auto loan and save with low-interest rates



Want to get more information about auto loans and the car buying process? Check out these free car buying resources written by our auto experts.


Why should I get a credit union car loan?

Tropical Financial offers four different types of vehicle loans which include new, used, recreational and refinancing. There’s many benefits to a credit union car loan versus one from another financial institution. Credit Unions tend to offer lower rates and terms, personalized service, preapproved financing to streamline the car buying experience as well as perks and promotions for members.

What should I know about car loans from a credit union in Florida?

Many people decide to apply for an auto loan at the dealership and are unaware of the details for their loan. There’s many important pieces that consumers should be aware of, yet are not always notified.

How long are car loans usually for?

Our auto loan terms differ between new and used. New auto loans have the option of 36, 60, 72 or 84 months. Whereas, our used auto loan terms are generally for 36, 60 or 72 months.

How much will I pay overall on my car loan from a credit union?

This depends on your specific situation. However, the important thing to know about stretching out the term is that you’ll pay less monthly, but end up paying more over time due to interest, whereas with shorter terms you’ll pay a higher monthly payment and less over time. 

What’s the interest rate on an auto loan from Tropical Financial Credit Union?

Our rates vary depending on the term you choose and also varies depending on credit score. Our rates are as low as 1.7% APR*, but we recommend working with one of our representatives to find your specific rate and payment based on your specific details.

Applying for a car loan from a credit union in Florida is an easy process. You can either apply online or call in to speak with a representative. We provide resources to members and non-members, so they can decide if applying with us, is the right choice for them.

We recommend browsing our different types of auto loans as they allow you to compare car loan rates, calculate/estimate future payments and apply for a pre-approval.

For more tips and tricks be sure to check out our auto blog here


*APR = Annual Percentage Rate.  Eligibility for the lowest advertised rate is based on creditworthiness, year of vehicle, ability to repay, credit score, down payment and terms.  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 restrictions may apply. Rates 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.

2.59% APR for 36 months up to 100% LTV. Rates Valid on 2016-2019 autos.  Limited time offer which applies to purchases only. Cannot be combined with any other offer or loan discount. 

3.09% APR, 3.34% and 4.20% APR include a .25% reduction for members with a Premium Checking account.

Automobile: New automobiles include autos current year and previous year. Used Auto includes previously titled vehicles 7 years old or newer. Up to 100% financing not to exceed the lesser of MSRP or the final purchase price plus tax and Vehicle Service Agreement on new vehicles or the NADA retail value plus/minus options and mileage on used vehicles. Older Used Auto includes vehicles 8 years and older and must reflect an NADA value.  Rates are subject to change without notice. Other restrictions may apply. Auto loan example: $10,000 loan at 2.59% APR with 36 monthly payments of approximately $289.01.