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Best for: High loan-to-value refinancing

MIDFLORIDA Credit Union

MIDFLORIDA Credit Union — Financing up to 125% of your vehicle's value for comprehensive coverage.

Min credit
Not disclosed
APR
From 5.64%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means MIDFLORIDA Credit Union does not publish this on their public site. "No restriction" means MIDFLORIDA Credit Union explicitly states no limit.

Overview

MIDFLORIDA Credit Union offers auto refinancing with rates effective October 1, 2026, starting as low as 5.64% APR for newer models. You can finance up to 125% of your vehicle's value, which allows you to include costs like sales tax and registration in your loan.…

What’s great

  • Finance up to 125% of the vehicle's value
  • Extended terms up to 84 months for luxury cars
  • Financing available for classic and specialty vehicles

What to know

  • Rates vary significantly based on vehicle model year
  • Limited membership eligibility primarily focused on Florida residents

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
APR floor (as low as)From 5.64% — minimum only; full range not published
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthUp to 84 months
States servedNot disclosed
Membership requirementOpen to residents of Florida and those purchasing vehicles from participating dealerships in Florida, Alabama, Indiana, and Kentucky.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from MIDFLORIDA Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with MIDFLORIDA Credit Union before applying.

  1. [1]Loan Rates & Options | MIDFLORIDA Credit Union — rates as of 10/01/2026 — MIDFLORIDA Credit Union
    https://www.midflorida.com/rates/loans
    Last checked: October 2026
  2. [2]Auto Loans & Refinancing for New and Used Cars | MIDFLORIDA Credit Union — MIDFLORIDA Credit Union
    https://www.midflorida.com/personal/loans-and-credit-cards/vehicle-loans/auto-loans
    Last checked: October 2026