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 2.69% 13.99% $22.00 $27.34
60 months 2.94%  14.99% $17.95 $23.80
66 months 3.19%  15.74% $16.55 $22.75
72-75 months (minimum $15,000) 
For qualified borrowers
3.49%  10.49% $15.42 $18.79
84 months (minimum $25,000)
For qualified borrowers
4.74%  11.49% $14.02 $17.39

Used Auto Loan Rates

Used Auto Loan Rates
TermAnnual Percentage RatePayment per $1,000 borrowed
48 months or less (minimum $2,500) 2.89%  14.99% $22.09 $27.84
60 months 3.04%  16.99% $17.99 $24.87
66 months 3.44%  17.24% $16.66 $23.57
72 months (minimum $15,000) 3.89%  10.49% $15.60 $18.79
84 months (minimum $25,000) 
For qualified borrowers. 
5.19%  8.29%  $14.23 $15.75

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.