Attention members: All branch offices are now open during normal business hours. Thank you for your membership.
Routing Number: 263178070

EFCU Auto Loans

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.

Auto Refinancing

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.

 Featured Dealer: Toyota of FWB

We recognize Toyota of Fort Walton Beach for providing our members with exceptional service during the 2nd quarter of 2020.
For a hassle-free car buying experience, visit Toyota of Fort Walton Beach to shop for your next vehicle.

      Five Star Dealers

When considering your next vehicle purchase, visit these dealerships and get simple and convenient EFCU financing on the spot. Click on any of the dealership logos to browse their inventory online at AutoSMART.


Shop participating dealer inventories and get EFCU financing at the dealership, even on weekends.
Research your next vehicle purchase and search the inventories of auto dealers in our network. Through this program, participating dealerships are able to submit your application for EFCU financing on the spot at the dealership, be it after hours or on the weekend.


Before you buy a vehicle, protect yourself with a CARFAX report for only $20. Click on the link below to request a CARFAX through EFCU. By submitting this request, you agree that EFCU will pull a CARFAX on your behalf and debit your Basic Checking, Premium Checking or Regular Share Savings account for a one-time charge of $20 per CARFAX form submitted.

EFCU Debt Protection

Eglin FCU Debt Protection is a voluntary loan protection product that will cancel or waive your loan payment(s) up to the contract maximums if a protected event such as disability, loss of life, or involuntary unemployment occurs.

learn more about Debt Protection

Auto Insurance Program

Working with carefully selected auto insurance partners, the TruStageTM Auto Insurance Program can provide discounted rates for Eglin Federal Credit Union members, online services, and 24/7 claims service. If you haven't compared auto insurance lately, it's a great time to take a look. Your membership with Eglin Federal Credit Union could result in some nice savings.
Get your Free Auto insurance Quote today or call 855.483.2149.

TruStageTM Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. (MAH-1112-AD42)

Guaranteed Asset Protection

In the event your vehicle is stolen or accidentally damaged beyond repair, GAP will help cancel the difference between the primary insurance company's settlement and what you may still owe on your loan. (Please note: GAP protection is not available for Boat or RV loans.)

learn more about GAP

NADA Pricing Guide

Research the latest new vehicle prices and used vehicle book values.

Fuel Economy Information

Visit to learn more about vehicle fuel efficiency and more.

$50 Gift Card

Get $50 back on your auto purchase, restrictions apply. Click the link below to print the AutoCash coupon and take it to the dealership when you go to make your purchase.

EFCU Auto Buying Guide

Shopping for a new or used vehicle can be a hefty process but doesn't have to be stressful. Preparation is key to getting a good deal on your big investment. Whether it's your first time looking for a vehicle or you want to trade up to a new or used vehicle, this simple guide is full of helpful information for every stage of the auto buying process.

read the EFCU Auto Buying Guide