Vehicle Loans Owe more than $25,000 on a vehicle financed somewhere else? Refinance with 121FCU to get a lower rate & lower payments -- plus $200 cash back!*

Great Loan rates for new and used cars and trucks

Are you ready to ride in style in a new or a “new to you” vehicle? With a low-interest loan from 121 Financial Credit Union, you can purchase a new or used car, truck or SUV from literally any dealership in town.

Step 1: Apply and qualify for a new or used vehicle loan with us. We finance up to 100% of the deal, including those pesky fees dealerships sometimes throw on at the end. You’ll receive a “draft” of your loan, including the amount you are approved to pay for a car (total).

Step 2: Go test drive!

Step 3: Once you’ve found the car or truck or SUV of your dreams, just hand over your draft document to the finance folks at the dealership. Congratulations, you just bought a new vehicle.

  • Guaranteed low interest rates - below most banks and dealerships
  • No fee to apply for a loan
  • Flexible monthly payment options
  • We will beat loan drafts from other institutions

APR* as low as 2.04%
FINANCING: up to 100%
LENGTH OF LOAN: up to 84 months

*APR = Annual Percentage Rate.

Motorcycle, Jetski, & RV Loans

There’s nothing like driving along the open road. With 121 Financial, we can get you there with our recreational vehicle loan options. Experience ultimate freedom with a recreational vehicle loan that won’t weigh you down. Loan rates may vary by vehicle type, age, and percentage financed. We offer up to 100% financing for a variety of new and used recreational vehicles, including:

  • Motorcycles
  • Jet skis
  • Travel trailers & campers
  • Motorhomes/RVs
  • Competitive interest rates
  • No application fees
  • Low minimum payments
  • Easy payment schedule

APR* as low as 6.10%
LOAN AMOUNT up to 100% financing
LENGTH OF LOAN up to 15 years

*APR= Annual Percentage Rate. APR shown is lowest available rate. Rates determined by creditworthiness criteria.

You should buy a boat!

Get on the water without drowning in debt. Sail away with our boat loan options that let you decide how much and how long you need financing. Cruising boats, fishing boats, personal watercraft—if you can drive or sail it, we can help you finance it.

Finance up to 100% & No Payments for 60 Days

Best of all, 121 Financial is one of the few institutions in Jacksonville that lets you finance up to 100% of your new or used boat, including the trailer, fees and taxes. And, for a limited time, you can enjoy up to 60 days before your first payment is due.

  • Competitive interest rates
  • No application fees
  • Low minimum payments
  • Easy payment schedule

APR* as low as 4.49%
LOAN AMOUNT up to 100% financing
TIME OF LOAN up to 15 years

 
*APR= Annual Percentage Rate. APR shown is lowest available rate. Rates determined by creditworthiness criteria.

*Excludes loans already financed with 121 Financial or equity from clear title. Applies to auto loans only. Not available on business loans. $25,000 minimum loan. Cash back of $200 will be deposited into the member’s account. Promotion may be canceled at any time. Membership is required.

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