New & Used Autos

Financing your next auto purchase with EFCU is quick and easy. Whether you are interested in a new or used auto, we offer low rates and flexible terms to meet your needs.
Got questions?
Contact us by calling 850.862.0111 (option 2) or email Consumer Loans via secure email.


If you are paying too much on your current auto loan or need extra cash now, refinancing through EFCU may be a good choice for you. Apply online and start lowering your monthly payments today.
Got questions?
Contact us by calling 850.862.0111 option 2 or email Consumer Loans via secure email.

Auto Loan Payment Calculator


Disclaimer: Financial calculators are provided to give sample payments for given Annual Percentage Rate and Terms but are not guarantees of credit. There is no guarantee, explicit or implied, regarding the accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Please contact a Member Service Counselor for assistance with your specific loan request.

girl smiling out the window of her car

Auto buying: Before you begin

  • Use our auto loan calculator to help determine the maximum amount you want to spend and the monthly payments you can afford.
  • Know your credit history. Visit to request your free credit report.
  • If you are pre-approved, remember to bring your EFCU pre-approved auto loan (PAL) with you while you shop. For eligible members, PALs are now available to download electronically within Home Branch. If you did not receive a PAL, you can always apply online.

man shopping for car online

Auto buying: While you shop

  • Shop online at AutoSMART or visit a 5 Star Dealer and receive on-the-spot EFCU financing.
  • EFCU members can receive a discounted CARFAX® to assist with determining a used vehicle's history.
  • Use the NADA Pricing Guide to see the current value of your potential new or used vehicle.
  • Visit the Consumer Reports website to read what experts and owners have to say regarding a vehicle's safety features and performance.

girl expressing love for a car

Auto buying: When you buy

  • Don't forget to give the dealer your AutoCash coupon to receive a $50 gift card.
  • Get your free TruStage Auto Insurance quote for coverage on your vehicle.
  • In the event your vehicle is stolen or damaged beyond repair, Guaranteed Asset Protection can help fill the gap between what your vehicle insurance will pay and what you owe on your loan.
  • If a protected event such as sickness or injury, loss of life, or involuntary unemployment occurs, Debt Protection could cancel or waive your loan payment up to the contract's maximums.