<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PKWDW2HF" height="0" width="0" style="display:none;visibility:hidden">
shutterstock_1696242592

No Payments for 90 Days plus 4.99% APR Refi Promo

Spring Auto Loan Special Promo

This spring, enjoy no payments for 90 days and lower auto loan costs with flexible, member-focused financing. Whether you're buying a new vehicle or refinancing your current one, now is the perfect time to drive with confidence and ease into your payments. 

Drive Now. Pay Later.

Looking to purchase a new or used vehicle this spring? Get pre-approved and enjoy delayed payments — so you can focus on your new ride, not your first bill. 

90 days-1

No payments for 90 days on qualified loans* 

Low Rate

Low competitive fixed auto loan rates

Approved
Fast local lending decisions you can trust
Mobile approval

Simple online pre-approval before you shop

Refinance & Lower Your Payment 

If you’re paying a higher rate somewhere else, now is the time to switch. Our spring refinance promotion helps you save now and over the life of your loan. 

Cash-2

Lower your monthly auto loan payment and expenses

Lower Interest

Reduce total interest with our 4.99% promo rate* 

90 days-1

No payments for 90 days on qualified refinance loans* 

Mobile approval

Fast, simple online application and loan transfer 

Why Floridacentral?  

When you finance with Floridacentral, you’re working with a member-owned credit union that puts your financial well-being first. 

  • FCCULogo_Compass_icon

    Personalized member support

  • FCCULogo_Compass_icon

    Competitive promotional rates

  • FCCULogo_Compass_icon

    Local lending decisions

  • FCCULogo_Compass_icon

    Online and in-branch access

  • FCCULogo_Compass_icon

    Flexible loan options

We combine modern convenience with trusted local service — helping you make confident financial decisions at every stage of life.

Get personalized help in minutes.

Share your name and preferred contact method, and  One of our lending specialists will contact you within one business day. 

 

Ready to Start Driving?

Disclosures

*Interest accrues during the 90-day no payment period. 4.99% Annual Percentage Rate (APR) is effective as of 03/01/2026 for terms up to 84 months. Approval is based on individual applicant’s creditworthiness, year, make, model and mileage of vehicle. Not all will qualify. This offer applies only to auto loan refinances from other financial institutions: existing Floridacentral loans are not eligible. Refinance requests involving change in ownership are excluded. This offer cannot be combined with other promotions. Membership eligibility required. This promotional offer is available as of March 1, 2026, and is subject to change or end without notice.