Car Loans & Auto Loan Rates

SPECIAL OFFER:  Now through August 31, 2019 take advantage of our Six Months - No Payments* offer on new, used and refinanced vehicles. With quick approvals and hassle-free payments, you're sure to enjoy the road ahead. And don't forget, we also offer auto insurance through the First Commerce Insurance Agency

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.

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 12 locations


New Auto Loan Rates

New Auto Loan Rates
TermAnnual Percentage RatePayment per $1,000 borrowed
48 months or less 3.49% 14.24% $22.35  $27.46
60 months 3.74%  15.24% $18.30  $23.93
66 months 3.99%  15.99% $16.90  $22.89
72-75 months (minimum $15,000) 
For qualified borrowers
4.49%  10.99% $15.87  $19.04
84 months (minimum $25,000)
For qualified borrowers
5.74%  11.99% $14.48  $17.66

Used Auto Loan Rates

Used Auto Loan Rates
TermAnnual Percentage RatePayment per $1,000 borrowed
48 months or less (minimum $5,000) 3.74%  15.24% $22.46  $27.97
60 months 3.99%  17.24% $18.41  $25.00
66 months 4.24%  17.49% $17.01  $23.21
72 months (minimum $15,000) 4.74%  10.99% $15.98  $19.04
84 months (minimum $25,000) 
For qualified borrowers. 
5.99%  8.99% 

$14.60  $16.10


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

Promo disclosures:

*Offer good June 17, 2019 - August 31, 2019 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 – others will be eligible for shorter periods of time until first payment. 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. Example: The estimated monthly payment is $18.59 per $1,000 borrowed based on a 60-payment loan at 3.74% (6 months of no payments/66-month term) compared to $18.30 per $1,000 (30 days until first payment). 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.