Vehicle Loans & Refinance Options Ride in style with an a flexible, low-interest auto loan from Jacksonville's hometown credit union.

New & Used Auto Loans - Low Interest Rates, Flexible Terms, Great Service

Are you ready to ride in style in a new or a “new to you” vehicle? With a low-interest vehicle 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

APR* as low as 6.99%
FINANCING: up to 100%
LENGTH OF LOAN: up to 84 months

Your first payment is due for 90 days! 

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

Not valid for internal refinances (existing 121FCU loans).

Refinance your Auto Loan & Lower your Payments

Love your car but not your car loan? Refinancing your auto loan from another lender with 121 Financial may help you lower your interest rate, decrease your monthly payments, or even pay off your auto loan sooner. Your first payment isn't due for 90 days!

Cash-in on your Equity with a Cash-out Refinance

Do you need a little extra cash? A cash-out auto refinance allows you to use the equity in your vehicle to receive a lump sum payment. It’s similar to refinancing, but instead you replace your existing auto loan with a new loan with a lower rate and payments.

*APR = Annual Percentage Rate.

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