1st Credit Union of Gainesville Florida
1st Credit Union of Gainesville
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Vehicle Loans

Rates starting at 1.99%* for up to 48 months.

 *Restrictions Apply!

  • Up to 90 days to 1st payment.
  • Finance a new or "new to you" vehicle OR refinance a loan currently financed with another creditor.
  • Lower your payments and/or your interest rate AND get cash back.
  • Apply Online or contact a Loan Officer today.

Let 1st Credit Union be your car-buying partner with helpful information about making your purchase, low rates on financing, and fast, friendly service when you do business with us.

Whether it's a car, truck, van, boat/motor/trailer, motorcycle, RV or jetski, we have great rates with reasonable terms. All types of vehicles, new or used, with terms up to 72 months (longer for high-end vehicles).

Rebates vs. Reduced Rates

Many dealers are advertising low rates or a rebate when you buy an auto, but what is the better option? In most cases you are better off financing with 1st Credit Union of Gainesville at our normal finance rates. At the dealership you have a choice to take a rebate (for example a $2,500) or a reduced rate (for example 2.9%/3.9% APR). Your best vehicle solution taking the rebate and using a flexible auto loan with 1st Credit Union of Gainesville

For Example:
3.9% APR Financing or a $2,500 Rebate


Dealer Financing

1st CU's Solution

Automobile Cost



Less Rebate

No Rebate


Amount Financed



Finance Rate

3.9% APR

6.15% APR*

Loan Term

60 Months

60 Months

Monthly Payment



Total Cost



There are many advantages to taking out your vehicle loan with 1st Credit Union.

Low Rates When YOU Want to Buy

- No need to wait for dealer specials. We offer great rates all year long.

The Monthly Payment You Want

- With various loan terms, we'll fit your payment within your budget.

Same Low Rates on New and Used

- We offer rates on all makes and models.

Convenient Automatic Payments

- Let us take the chore out of writing and mailing your payments.

Extended Warranty Plan

- The old saying "less is more" can really apply with our plans versus dealer options. Call and compare.

Payment Protection Plans

- Protect your loved ones. If you pass away or become disabled, your payment insurance will reduce, or pay off, the balance of your loan.

Guaranteed Asset Protection (GAP)

- You could lose more than your vehicle if it's stolen or involved in an accident. You could lose your investment. Guaranteed Asset Protection (GAP) covers the "gap" between the vehicle's value and the amount you still owe.

Click Here for the NEW Car Buying Guide

Click here for the USED Car Buying Guide.

We’re confident that our rates can compete with almost any financing offer you may receive locally. However, we know that many members decide to buy a car over the weekend when the credit union isn’t open to help. That's why we also offer our Lending Center for speedy loan approval over the phone 24 HOURS A DAY! Call our Lending Center at (352) 372-8225, option 7 or (888) 346-4462.



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