Skip to content

Refi or Purchase Before Rates Rise Again

My Pensacola CU wants to help you achieve the best (and lowest) monthly payment on your auto loan as possible. We offer some of, if not the most competitive rates and term options around so when you refinance an existing loan from another lender, or look to purchase a new or used car, truck or SUV — My Pensacola CU makes the process easy by saving you time and money.

Rates as low as 5.69% APR for up to 66-months*

  • Loan terms available up to 86-months**
  • Up to 90-days until your first payment**
  • Quick and easy online application process
  • Local decisioning
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • Use our free vehicle research and purchasing service where you can find the ideal ride for you
  • Range of protection plans:
    • Member Choice Extended Warranty available
    • Guaranteed Auto Protection (GAP)
    • Credit Life and Disability options available


Apply Online   View Rates   Contact Us


As a benefit to My Pensacola CU membership, we offer a free vehicle research and purchasing service. If you are not sure about the vehicle you want and don’t have the time to go from dealer to dealer, you can shop, research, find the value of your current vehicle or the vehicle you're interested in, even get protection options!


*Rates and loan terms subject to credit approval. Other conditions may apply. Membership eligibility required. Rates are subject to change without notice. Contact the credit union for full details.

Payment Example: A $25,000 auto financed at 5.69% Annual Percentage Rate (APR) for a 66-month term – estimated monthly payments of $443 or $18.00 per $1,000 borrowed.

Requirements: Loan will be approved through normal underwriting guidelines. 

Eligible Loan Types: New and Used vehicles.

Loan Amount: Loan amounts will vary based on credit, income, employment, etc. My Pensacola CU will work to help find an amount with a payment you are comfortable with.

**Repayment Terms: Terms will vary by loan type, loan amount, credit score, collateral value, age and mileage up to maximum terms of 86-months with up to 90-days before your first payment.

Interest Rates: Rates are determined by the member’s credit score, the loan term, age, mileage and Loan-to-Value (LTV) of the vehicle.

Fees: There are no processing fees.

Early Payoff Penalty: None.



Key Features

  • Competitive Rates
  • Refinancing Available
  • Local Processing

Current Promotions