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Buying a Car Shouldn't Feel Consuming

Save Time & Beat the Stress with TFCU

Apply Now For An Auto Loan

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What Type of Florida Auto Loan Are You Looking For?

Finding the perfect auto loan in Florida has never been easier. With some of the best auto loan rates around and an easy application, getting into a new car is quicker than finding your next road trip radio station.  Before putting the keys in the ignition compare new and used auto loan rates, estimate your costs with our car loan calculator, and get pre-approved so that you can shop with confidence. We're here to help every step of your car buying journey. 


New Auto Loan

I’m shopping for a new car in Florida, and want to get more information on new car loan rates.

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Used Auto Loan

I’m shopping for a used car in Florida, and want to get more information on used car finance rates.

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Auto Refinance

I’d like to lower my monthly payments and save money by refinancing my car loan.

Learn More

Before You Start Your Application

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.


AutoAdvisor in Miami-2

Tell Me More About Auto Financing At TFCU

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 upfront
  • Same-day approval on most auto loans
  • Ability to work with free, member-exclusive car buying service, featuring a 0.15% reduction in interest rates. Exclusions may apply. 
  • No prepayment penalties. Reduce interest by paying early.
  • Refinance your auto loan and save with low-interest rates
  • Additional member-exclusive benefits: Receive a comprehensive CARFAX Vehicle History Report™ at a special discounted rate of $19.99 with your Tropical Financial auto loan preapproval. Alternatively, take advantage of our exclusive bundle offer, which includes three (3) CARFAX reports for just $39.99—a total value of $64.99. Being informed about a used car's history can help you steer clear of potentially costly issues in the future.
    Click Here To Find Out How


How Does the Auto Financing Process Work?

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:
Step 1

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.
Step 2

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.

Step 3

Connect with Auto Advisors

Getting pre-approved 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. Get details here.

Step 4

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.

Step 5

Drive Off In Your New Auto

You've finished everything up. It's time to hit the open road.

Frequently Asked Questions

    • 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.  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


All loans subject to approval based on creditworthiness, qualifications and collateral conditions.
TFCU will deposit the $1 minimum requirement to open your account. Member must reside in a state within TFCU lending area. Other restrictions 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.

Automobile: New automobiles include autos current year and previous year. Used Auto includes previously titled vehicles 8 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 up to 1,000 miles or the NADA retail value plus/minus options and mileage on used vehicles. Older Used Auto includes vehicles 9 years and older and must reflect a NADA value.

*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. 

Your actual APR will be determined at the time of disbursement and will be based on your creditworthiness. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Other eligibility requirements may apply.