Auto Loans

AUTO LOAN SPECIAL OFFER: Get behind the wheel and ahead of the curve with our limited-time offer! Buy a car or truck today and make No Payments for up to Six Months! Plus, take advantage of our competitive rates for new and used vehicles. Auto loans refinanced from another lender are also eligible. With our friendly, local service and easy online application, you’ll see why we’re consistently ranked as the premier lender in North Florida and South Georgia. Offer good until August 31, 2022. 

Find out for yourself why First Commerce has consistently ranked #1 in Tallahassee for new and used car loans for 15 years!

  • Up to 100% financing (vehicle purchase price including tax, trade, tag and title)
  • Terms up to 84 months
  • Competitive low rates
  • Easy application process
  • Fast local approval

Your rate will depend on your individual situation, but here's what the majority of our members can expect to receive with an automatic payment plan.

We also offer Vehicle Services to help you protect your investment with GAP Waiver, Mechanical Repair Coverage, Paintless Dent removal, and Key Coverage.

Learn how to reach your financial goals with free financial education from the FCCU Foundation and our partner EverFi!

Auto Loan Refinancing

Be as happy with your payment as you are with your car.

Apply online below, call us at 850.488.0035 or 800.533.5772, or visit one of our 14 locations.


New Auto Loan Rates

New Auto Loan Rates
TermAnnual Percentage RatePayment per $1,000 borrowed
48 months or less 4.09% 15.09% $22.62  $27.88
60 months 4.29%  16.09% $18.55  $24.37
66 months 4.54%  16.84% $17.15  $23.33
72-75 months (minimum $15,000) 
For qualified borrowers
4.84%  11.59% $15.48  $19.34
84 months (minimum $25,000)
For qualified borrowers
5.74%  12.59% $14.48  $17.97

Used Auto Loan Rates

Used Auto Loan Rates
TermAnnual Percentage RatePayment per $1,000 borrowed
48 months or less (minimum $2,500) 4.09%  16.09% $22.62  $28.39
60 months 4.29%  17.99% $18.55  $25.39
66 months 4.54%  17.99% $17.15  $23.97
72 months (minimum $15,000) 4.99%  11.74% $16.10 $19.42
84 months (minimum $25,000) 
For qualified borrowers. 
5.94%  9.49%  $14.58  $16.34

For more information or assistance, call 850.488.0035 or 1.800.533.5772 or visit any of our locations.

Promo Disclosures: *APR = Annual Percentage Rate. Offer good June 1 – August 31, 2022, and subject to change. Loans subject to credit qualifications and approval. Your rate will be determined after a credit review and term of loan is selected. Six months until first payment feature will be available to qualified borrowers. Autos being refinanced must be currently held by another lender. Interest will accrue during the six months until first payment, and will cause a slightly higher payment overall throughout the life of the loan ($5-$15) per month on a typical size auto loan) depending on the term of your loan, loan amount and rate. There is no penalty for paying off the loan early. You are not required to wait six months until the first payment. Call 850.488.0035 or 1.800.533.5772 for details about credit costs and terms. Insured by NCUA. Equal opportunity lender.