Florida Credit Union
Florida Credit Union — save on your vehicle with refinance rates as low as 5.357% APR and rebates up to $400.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Florida Credit Union does not publish this on their public site. "No restriction" means Florida Credit Union explicitly states no limit.
Overview
Florida Credit Union offers auto refinancing for vehicles owned through other institutions, providing a path for members to reduce interest costs and monthly payments. As of October 2026, they offer a refinance rebate of up to $400 and rates ranging from 5.357% to 17.000% APR.…
What’s great
- Refinance rebate up to $400 for loans from other institutions
- Competitive starting APR of 5.357%
- Extended repayment terms up to 84 months
What to know
- Maximum APR can reach 17.000% based on credit profile
- Membership restricted to specific Florida counties
Eligibility
| Minimum credit score | Not disclosed |
| APR range | 5.36% – 17.00% |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | 36 – 84 months |
| States served | 1 states |
| Membership requirement | Open to anyone within Florida Credit Union's 48-county field of membership in North and Central Florida. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Florida Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Florida Credit Union before applying.
- [1]Auto Refinancing — Florida Credit Unionhttps://flcu.org/loans/auto-loans/auto-refinancing/Last checked: October 2026
- [2]View Loan Rates & APR Information — Florida Credit Unionhttps://flcu.org/fcu-rates/loan-rates/Last checked: October 2026
- [3]Earn Up to $700 Bonus — Florida Credit Unionhttps://flcu.org/700/Last checked: October 2026
- [4]Apply for an Auto Loan — Florida Credit Unionhttps://flcu.org/loans/auto-loans/Last checked: October 2026