Refinancing Your Auto Loan

Love your car but not your loan payment? We can help! Refinance your current auto loan with First Commerce. We’ll help you refinance your vehicle at a rate and term that works better for you.

  • See our competitive rates
  • Flexible terms up to 84 months or longer
  • Financing up to 100% of vehicle purchase price
  • Available for new and used vehicles
  • Fast local approval

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

If you find a better rate somewhere else, let us know and we’ll try to match it! There’s a reason First Commerce is Tallahassee’s #1 auto lender.

APPLY NOW

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

The rate you receive will be determined after a review of your individual situation. Rates will be .5% higher for manual payment.


Auto Rates

New

New Auto Loan Rates

New Auto Loan Rates
TermAnnual Percentage RatePayment per $1,000 borrowed
48 months or less 3.34% 14.34% $22.28  $27.50
60 months 3.54%  15.34% $18.21  $23.97
66 months 3.79%  16.09% $16.79  $22.93
72-75 months (minimum $15,000) 
For qualified borrowers
4.09%  10.84% $15.13  $18.95
84 months (minimum $25,000)
For qualified borrowers
4.99%  11.84% $14.13  $17.57

Used Auto Loan Rates

Used Auto Loan Rates
TermAnnual Percentage RatePayment per $1,000 borrowed
48 months or less (minimum $2,500) 3.34%  15.34% $22.28  $28.00
60 months 3.54%  17.34% $18.21  $25.17
66 months 3.79%  17.59% $16.81  $23.75
72 months (minimum $15,000) 4.24%  10.99% $15.75  $19.03
84 months (minimum $25,000) 
For qualified borrowers. 
5.19%  8.74%  $14.23 $15.96

Rates are accurate as of   and are subject to change without notice. For more information on fees and terms, please see individual account and product pages or contact a First Commerce Financial Services Officer at 850.488.0035 or 1.800.533.5772.