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Auto Loans

Refinance or Purchase
Same rates for new & used!

Auto Loans Made Your Way

My Pensacola CU wants to help you achieve the best (and lowest) monthly payment on your Auto Loan. We offer some of, if not the most competitive rates and term options around so when you refinance an existing loan from another lender, or look to purchase a new or used vehicle — My Pensacola CU makes the process easy by saving you time and money.

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How We Make It Yours

  • Rates as low as
    5.69% APR*

    Our competitive rates make for low monthly payments.

  • Lowest Rate Up to
    66 Months Term

    Additional rates & terms
    up to 86 months.

  • Easy on the Wallet

    Up to 90 days until your first payment.*

  • Quick
    Process

    Easy online application process; local decisioning.

  • Pre
    Approvals

    Get pre-approved up to 30 days before loan closing.

  • Used = 10 Years Old

    New car rates for used cars up to 10 years old.

Let's Get Started

  • Existing Members

    Click here to apply online or apply over the phone or via mobile banking.

  • Not A Member?

    Just click here to apply, get qualified, then your loan makes you a member!

  • Need Help? We've Got You.

    If you have any questions or problems with applying, please contact us.

What Comes Next

FIND YOUR NEXT CAR, BIKE, BOAT, ATV or RV
WITH OUR FREE RESEARCH & PURCHASING SERVICE

As a member of My Pensacola CU, you can explore all your transportation options without the hassle of visiting multiple dealerships. Easily research vehicles, check the value of your current car or recreational vehicle, and even discover protection plans—all in one place!

Find Your Next Vehicle Apply Online View Rates Contact Us


DISCLAIMERS

*Rates and loan terms subject to credit approval. Other conditions may apply. Membership eligibility required. Rates are subject to change without notice. Contact the credit union for full details.

Payment Example: A $25,000 new or used vehicle at 5.69% Annual Percentage Rate (APR) for a 66-month term – estimated monthly payments of $443 or $18.00 per $1,000 borrowed.

Requirements: Loan will be approved through normal underwriting guidelines. 

Eligible Loan Types: New and Used Vehicles.

Loan Amount: Loan amounts will vary based on credit, income, employment, etc. My Pensacola CU will work to help find an amount with a payment you are comfortable with.

**Repayment Terms: Terms will vary by loan type, loan amount, credit score, collateral value, age and mileage up to maximum terms of 86 months with up to 90 days before your first payment. Members are allowed the option to skip up to two (2) qualifying loan payments within every 12-month period for a $30 Online or Mobile Banking Skip-A-Payment fee, or a $40 in-person or via phone Skip-A-Payment fee. Interest still accrues on any skipped loan payments. Contact the Credit Union for full details.

Interest Rates: Rates are determined by the member’s credit score, the loan term, age of vehicle, mileage and Loan-to-Value (LTV) of the vehicle.

Fees: There are no processing fees.

Early Payoff Penalty: None.

 

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