Get a Great Low Rate!
We offer great low rates and loan terms of up to 82 months!
Rates as low as % APR.
Refinance Your Auto Loan at 121FCU!
Get $100 or $200 cash back for lower payments and more cash in your wallet.*
Finance $20,000+ for $200 Cash Back
Finance $10,000 - $19,999 for $100 Cash Back
Things We’ll Need to Get Started On Your Refi:
- Copy of Valid Drivers License
- Copy of Vehicle Registration
- Payoff Information
- Name and Account Number of Bank or Credit Union
- Contact Number
* Refinance promotion good for any collateralized loan currently financed at another financial institution. Finance $20,000+ for $200 Cash Back. Finance $10,000 - $19,999 for $100 Cash Back. Rates below 2% and loan amounts less than $10,000 do not qualify for cash back. Promotion not available on business loans. Rates based on creditworthiness.
VIP Auto Buying Service
Buying a new car Take a friend along.
Bring Auto Advisors with you for your next new or used car purchase! Auto Advisors searches for the best deals, saving you time and money. Submit a vehicle inquiry (at right), and our Auto Advisor, Mark Hamrick, will contact you!
Poor credit? Apply after 6 months for a lower rate!
We have good news if your credit score has suffered a blow! Did you know that 121 Financial offers rates (based on risk) for lower credit scores The great news is that as your credit score goes up, your loan rate can go down without extending your term! Just apply after six months for a lower rate.
Check out our calculators to find approximate payment options. You can apply by phone, online via Private PC, or in person — we will review your application and get your answer in under an hour (in most cases).
If you need more information, contact Member Services by calling 904.723.6300. We are happy to work with you!
Already Applied and Need to Provide Proof of Insurance
Visit www.myloaninsurance.com to let us know that you’re insured.
Extended Warranty & GAP Insurance
Extended warranties can be purchased through the credit union at approximately half the cost of the dealership. Guaranteed Asset Protection (GAP) insurance is also available through the credit union at a considerable savings.
TruStage® Auto & Homeowners Insurance
You trust 121 Financial Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the TruStage® Auto & Homeowners Insurance Program!