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 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

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.