green check

Tax forms are ready! Tax forms started mailing on January 14, and are available within Free Online Banking and the mobile app.

View our FAQ.
green check

All MIDFLORIDA branches and Help Desk will be closed on February 16 in observance of Presidents' Day.

Close
Auto loans

Hit the road With Budget Friendly financing

When you apply for your vehicle loan, you don’t want to feel like you’re being taken for a ride. From financing to refinancing, we offer the ease of pre-approvals so you know what you can afford ahead of time. You can also ask for MIDFLORIDA financing right at the dealership.
Apply Online View Rates
At a Glance

Financing for New and Used Cars

Our auto loans offer a range of benefits to help you get behind the wheel of your next vehicle. From low rates and flexible terms to special financing options, we're here to make the car-buying process simple and affordable. Find a dealership near you that offers MIDFLORIDA financing.
Icon car

Finance up to 125%

Borrow up to 125% of your vehicle's value to cover sales tax, insurance, registration and more.
Interest rate icon

Lower Rates

Get the best deal on your next car or truck with our lower rates and flexible requirements.
Icon calendar

Flexible Terms

Choose your term up to 72 months, or up to 84 months on luxury cars. We also provide financing for classic and specialty cars and trucks.1
Icon car key

Refinance Your Car

If you have a vehicle that's not financed with us, you are probably paying too much. Refinance and let us try to save you money.
Features & Benefits

Loan Benefits Designed for You

Explore the features that make our loans a smart choice for managing your finances with confidence.
personalized support

Ready to Buy? Ask the Experts.

You want a dependable ride, and you can depend on us to help you get it. Our loan experts are here to make the loan process easier. Call our loan department at (863) 284-5626 or toll free (855) 560-5626.

Apply Online View Rates
time to buy

Shopping for a Vehicle

Buying a new vehicle is a big decision. We work with numerous dealerships to offer MIDFLORIDA financing right on the lot to make it easy, one-stop shopping for you. Or take a look at what's available on the MIDFLORIDA Auto Sales lot.
Find a Dealership View Auto Listings
Calculator

Crunch the Numbers

Use the calculator below to see how much your monthly auto loan payment will be.

other Products & Services

Explore More Banking Options

Find the right loan for life's next adventure.
Motorcycle on sand at sunset

Motorcycle Loans

Hit the open road with a MIDFLORIDA motorcycle loan. You'll find great rates and flexible terms that fit any budget.
Motorcycle Loans
Group of young people with raised hands enjoying in a speedboat ride.

Boat and RV Loans

When it comes to boat and RV loans, we're your best resource for great rates and convenient financing options.
Boat & RV Loans
Couple working on home improvements

Home Equity Loan

Use the equity in your home to fund improvements, major purchases, or other goals with a lump sum, fixed-rate, and predictable monthly payment.
Home Equity Loan

Auto Loan FAQs

Approval on an auto loan can happen quickly, sometimes the same day, if you have all the necessary documentation, such as proof of income, credit information, proof of insurance and identification.

Yes, pre-approvals can help speed up the process by giving you a clear idea of your budget before you start shopping for a vehicle.

Yes, when you submit a loan application, we will perform a "hard inquiry" on your credit. 

Once your loan is paid in full, MIDFLORIDA will electronically release the title for your vehicle within fourteen business days. To retrieve a physical title, you'll need to visit your local Tax Collector's Office or Department of Motor Vehicles (DMV). Please note that each state may require different documentation for title transfers or lien placements, so be sure to check with your local agency. Please reach out at (863) 284-5626 or toll-free at (855) 560-5626 if you have any questions regarding the release of your title.

We offer a user-friendly "Loan Payoff Request". By entering the loan account number and last four digits of the loan owner's Social Security number, you’ll receive a real-time payoff quote that includes any accrued interest and is valid for 10 days. After the 10 day period, your payoff amount will change due to accrued interest of the additional day.

For Florida, information can be retrieved via the FLHSMV Motor Vehicle Check Search. If your vehicle is registered in another state, you will need to contact your state's DMV for more information.

You can submit your insurance policy using any of the following methods: 

  • Secure Message through Online Banking
  • Have your insurance agent call our Insurance Service Center at (800) 653-8812
  • Mail a copy of your policy to: MIDFLORIDA Credit Union Insurance Department, PO BOX 8008, Lakeland, FL 33802
  • Drop off a copy of your insurance policy at any branch
  • Submit online through our website

Because requirements vary by state, you will need to visit your local motor vehicle agency to obtain the necessary title transfer documentation. Once you've completed the title transfer request, email it to [email protected] for processing. 

MIDFLORIDA Credit Union, PO BOX 8008, Lakeland, FL 33802
*Other rates and terms available. Please contact us for rates on vehicles not outlined above. Rates are based on your credit score and are subject to change. Rates will differ if you are a first-time buyer or require a co-signor. Membership eligibility requirements apply. Payment Example: A 72-month new or used vehicle loan of $30,000 with an interest rate of 5.24% and an Annual Percentage Rate of 5.39% would have monthly payments of $486.59.

Still Have Questions?

Mobile phone icon Contact Us
Branch icon Visit Us
Customer service representative icon Schedule appointment
Laptop icon Ask Kit