Auto loans

Auto Loans for New & Used cars

Whether you are buying a new car or refinancing your current one, MIDFLORIDA offers auto loans with flexible terms, helpful local service, and simple pre-approvals. You can apply online, understand your budget before you shop, and even ask for MIDFLORIDA financing right at participating dealerships.
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At a Glance

Benefits of Financing for New & Used Cars with MIDFLORIDA

MIDFLORIDA makes it easier to finance your next car, truck, or SUV with flexible auto loan options, convenient pre-approvals, and special financing at participating Florida dealerships. From your first car to your next refinance, discover financing options that fit your budget and goals. 
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Finance up to 125%

Borrow up to 125% of your vehicle's value to cover expenses like sales tax, insurance, registration and other related costs.
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Lower Rates

Get the best deal on your next car or truck with our lower rates and flexible requirements.
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Flexible Loan Terms

Choose repayment terms up to 72 months, or up to 84 months on luxury cars. Financing is also available for classic and specialty cars and trucks.1
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Auto Loan Refinancing

Refinancing your current car loan may help you lower your monthly payment or move to terms that better fit your needs.
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More States, More Options

Secure the perfect car even when it's located outside of Florida. MIDFLORIDA now offers financing for out-of-state auto purchases, including dealerships in Alabama, Indiana, and Kentucky. 
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Features & Benefits

Auto Loan Support for the Road Ahead

Get support at every stage of the car-buying process, from comparing options to applying for the loan that fits your needs.
personalized support

Ready to Buy? Talk With Our Expert Team.

Buying a car, truck, or SUV is a big decision, and our auto loan experts are here to help make the process easier. Call our loan department at (863) 284-5626 or toll free at (855) 560-5626 for guidance on financing, refinancing, and pre-approvals.

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time to buy

Shop With Confidence

MIDFLORIDA works with numerous participating dealerships to offer financing right at the lot, making it easier to shop and finance in one place. You can also browse available cars on the MIDFLORIDA Auto Sales lot to explore options before you buy.
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Services

Tools for Every Driver

Explore these services design to keep you and your loan secure.

GAP Protection

If your car is totaled, GAP helps pay off your loan balance so you aren't stuck with a bill for a car you can't drive.
About GAP

Extended Warranties

Big repair bills? No thanks! Our warranties protect you from surprise costs so you can just enjoy the ride.
Extended Warranties

Skip-A-Payment

Life is unpredictable. Skip a monthly payment when you need to and add it to the end of your loan.
Skip A Payment

Flexible payment options

Manage your loan on your schedule with automatic transfers or make one-time payments on the go.
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Auto Loan Calculator

Calculate Your Monthly Payment

Use the auto loan calculator below to estimate your monthly payment and better understand what fits your budget. Once you have a clearer idea of your payment range, you can take the next step by applying online, getting pre-approved, or exploring your financing options.

Next Steps

Ready to Get Started?

Now that you have a better idea of your monthly payment, the next step depends on where you are in the car-buying process. Whether you are ready to apply for an auto loan, compare loan options, or talk through questions, MIDFLORIDA offers several ways to move forward.

Apply or Get Pre-Approved

Start your auto loan application online when you are ready to finance a car, truck, or SUV. If you are still shopping, getting pre-approved can help you understand your budget before you visit a dealership.
Apply Online

Refinance Your Current Car Loan

If you already have a car loan with another lender, refinancing may help you secure terms that are a better fit for your needs and budget.
Refinance Your Car

Talk with the MIDFLORIDA Team

Have questions about financing, refinancing, or your next steps? Our team is here to help you understand your options and feel more prepared throughout the process.
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other Products & Services

Explore More Loan Options

Find the right loan for life's next adventure.

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

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

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.

You may need proof of income, identification, insurance information, and other credit-related details. Having your information ready can help keep the application process moving.

Yes, when you submit a loan application, we will perform a "hard inquiry" on your credit.  This is a standard part of the lending process.

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

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.

MIDFLORIDA Credit Union, PO BOX 8008, Lakeland, FL 33802

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.

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.

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. 
*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?

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