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Enjoy the open road. New and Used auto loan rates as low as four point nine nine percent APR. Some restrictions apply. Rates valid September 1 to October 31, 2025. Enjoy the open road. New and Used auto loan rates as low as four point nine nine percent APR. Some restrictions apply. Rates valid September 1 to October 31, 2025.

New & Used Auto Loan Rates & Terms

Vehicle type Term APR*
(as low as)
New or Used Automobiles Up to 15 Years Old 66 Months 4.99%
New or Used Automobiles Up to 10 Years Old 74 Months 5.49%
New or Used Automobiles Up to 10 Years Old ($20k +) 84 Months 5.74%

* APR = Annual Percentage Rate. There is a range of rates for each loan type. The rate received will be determined by an evaluation of the applicant's credit. The above rates are current as of Thursday, October 16, 2025 and are subject to change

A New Auto is one that has never been titled. A Used Auto is one that has previously been titled.

Got questions? Give us a call at 850.862.0111, Option 2, or email our Consumer Loans department via secure email.

Insurance Requirements

Auto Loan Payment Calculator

Amount of Loan: $
APR*: %
Term of Loan: months
Monthly Payment: $
Total Payment: $

Sample Repayment: For a $50000  Auto Loan over a term of 66 months at an APR of 4.99%, the approximate monthly payments would be $866.27.

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.
New & Used Autos
Financing your next auto purchase with Eglin FCU is quick and easy. We offer low rates and flexible terms to meet your needs.
apply for an Auto Loan learn more about our Auto Loans
Auto Refinancing
If you are paying too much on your current Auto Loan or need extra cash now, refinancing through Eglin FCU may be a good choice for you.
apply for refinancing learn more about our Auto Loans
 Featured Dealer
Toyota of FWB
We recognize Toyota of FWB for their exceptional service during the 3rd quarter of 2025.
browse Toyota of FWB inventory

    
Five Star Dealers

When considering your next vehicle purchase, visit these dealerships for Eglin FCU financing on the spot.

AutoSMART
Shop participating dealer inventories and get Eglin FCU financing at the dealership, even on weekends.
browse AutoSMART dealer inventories
CARFAX Discount
Before you buy a vehicle, protect yourself with a CARFAX report. Members can receive a discounted CARFAX report for only $20.
request a CARFAX

Eglin FCU Debt Protection

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
TruStage® Auto Insurance
You may be paying too much for car insurance.
learn more about TruStage® Auto Insurance
Guaranteed Asset Protection
If your vehicle is stolen or damaged beyond repair, GAP can help cancel the difference between the insurance settlement and what you may still owe on your loan.
more about GAP
J. D. Power Values
Research the latest new vehicle prices and used vehicle book values.
compare J. D. Power Values
Fuel Economy Information
Visit fueleconomy.gov to learn more about vehicle fuel efficiency and more.
go to fueleconomy.gov
$50 Gift Card
Get $50 back on your auto purchase, restrictions apply. Print the AutoCash coupon and take it to the dealership when you go to make your purchase.
print the AutoCash coupon
Eglin FCU Auto Buying Guide
Shopping for a new or used vehicle can be a hefty process but doesn't have to be stressful.
read the Eglin FCU Auto Buying Guide
Insurance Requirements for Collateral Loans
When you receive a collateral loan from Eglin FCU you'll need to agree to maintain adequate insurance coverage.
learn more about insurance requirements

Frequently Asked Questions

How do I apply for an Auto Loan?
To apply for an auto loan, visit a branch during business hours or apply online by clicking the "apply for an auto loan" link on our Auto Loan page.

How do I make payments to my Auto Loan?
You have several convenient options for making auto loan payments:
  • Transfer funds from your available Eglin FCU accounts through Online Banking or the Mobile App.
  • Use the External Transfers feature within Online Banking or the Mobile App to make a payment from your checking or savings account at another financial institution.
  • Request to make a payment at one of our Video Teller machines during business hours.
  • Visit any of our local branches to make a payment in person.
  • Send your payment with a check via mail to:
       Eglin Federal Credit Union
       838 Eglin Parkway NE
       Fort Walton Beach, FL 32547

What is a lienholder?
A lienholder is a person or entity that has ownership over another person's property to secure a debt. In the case of an auto loan, the lienholder is the lender who finances the vehicle, such as an auto finance company, bank, credit union, or private party. The lienholder holds a legal claim, or lien, on the vehicle until the loan is paid in full and the lien is satisfied. If you have an auto loan with Eglin FCU, Eglin FCU is the lienholder.

What is the lienholder address?
If your vehicle is currently financed by Eglin FCU, the lienholder address is Eglin Federal Credit Union, 838 Eglin Parkway NE, Fort Walton Beach, FL 32547.

How can I view my Auto Loan payment history?
Your auto loan payments are reflected in your monthly statement. You can also view up to 24 months of your auto loan payment history in Online Banking or the Mobile App.

How can I add someone to my Auto Loan?
For a loan you will apply for, you may apply with a joint applicant for someone to be added to the loan. For loans already established, you may apply for a refinance in order to add someone to your loan. A refinance will make the loan subject to the terms available. Adding a joint applicant to your loan makes them jointly responsible for the debt and allows them to manage the loan with the same authority provided to you. In all cases, joint applicants must be members of Eglin FCU. Another way to provide someone authority to your loan is through a Special (also called Specific) Power of Attorney (POA) which covers the loan. A POA needs to be signed and notarized by both parties in order to be added to your credit union account. Once added, a Special POA allows the person you’ve given authority to manage the loan as you have instructed. A POA does not make the other person responsible for the debt. Please contact us at 850.862.0111, Option 4, or visit a branch during business hours.