Low auto loan rates for new and used cars. Some restrictions apply.
Low auto loan rates for new and used cars. Some restrictions apply.
apply for an Auto Loan| 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% |
Our current auto rates, as of 11/29/2025, are as follows:
We offer loans for 'New or Used Automobiles Up to 15 Years Old' for a term of '66' as low as '4.99'% APR (Annual Percentage Rate).
We offer loans for 'New or Used Automobiles Up to 10 Years Old' for a term of '74' as low as '5.49'% APR (Annual Percentage Rate).
We offer loans for 'New or Used Automobiles Up to 10 Years Old ($20k +)' for a term of '84' as low as '5.74'% APR (Annual Percentage Rate).
* 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 Saturday, November 29, 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.
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.
When considering your next vehicle purchase, visit these dealerships for Eglin FCU financing on the spot.
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.
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.
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.
Routing Number: 263178070
*APR = Annual Percentage Rate.
