Get App:

Auto Loans

View loan Rates 

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 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!

Insurance Options

Already Applied and Need to Provide Proof of Insurance

Visit 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!

Learn More