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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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Our competitive rates make for low monthly payments.
Additional rates & terms up to 86 months.
Up to 90 days until your first payment.*
Easy online application process; local decisioning.
Get pre-approved up to 30 days before loan closing.
Rates and terms same for new and used (up to 10 years old)*.
Click here to apply online or apply over the phone or via mobile banking.
Just click here to apply, get qualified, then your loan makes you a member!
If you have any questions or problems with applying, please contact us.
Your designated Personal Loan Officer will contact you directly to help complete your loan your way.
Pick your level of protections from GAP, MRC, Credit Life, and/or Credit Disability.
Stop by an office or receive an email — we'll do the final closing in-person or electronically.
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!
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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.