Auto Loans
Low auto loan rates for new and used cars. Some restrictions apply.
Auto Loans
Low auto loan rates for new and used cars. Some restrictions apply.
apply for an Auto Loan refinance your vehicleNew & Used Auto Loan Rates & Terms
apply for an Auto Loan
refinance your vehicle
| 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 6/15/2026, 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 Monday, June 15, 2026 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.
Auto Loan Payment Calculator
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.
Toyota of FWB
We recognize Toyota of FWB for their exceptional service during the 1st quarter of 2026.
Five Star Dealers
When considering your next vehicle purchase, visit these dealerships for Eglin FCU financing on the spot.
Shop participating dealer inventories and get Eglin FCU financing at the dealership, even on weekends.
Before you buy a vehicle, protect yourself with a CARFAX report. Members can receive a discounted CARFAX report for only $20.
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.
You may be paying too much for car insurance.
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.
Research the latest new vehicle prices and used vehicle book values.
Visit fueleconomy.gov to learn more about vehicle fuel efficiency and more.
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.
Shopping for a new or used vehicle can be a hefty process but doesn't have to be stressful.
When you receive a collateral loan from Eglin FCU you'll need to agree to maintain adequate insurance coverage.
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.
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.
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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.
