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MIDFLORIDA Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 13 October 2023
Fact checked

MIDFLORIDA Credit Union auto loans overview

MIDFLORIDA Credit Union logo

MIDFLORIDA Credit Union has over 60 branches across Tampa Bay, Treasure Coast, Gainesville, and Naples. From 7.14% APR, qualified MIDFLORIDA members can apply for auto loans and choose terms of up to 72 months. The credit union also offers loans for boats, RVs, campers, ATVs, jet skis, trailers, and luxury, classic, and specialty vehicles.

Want to see what a MIDFLORIDA auto loan will cost? Try the MIDFLORIDA Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key MIDFLORIDA Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 125% loan-to-value.
  • Interest rates: From 7.14% APR.
  • Loan terms: Up to 72 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

MIDFLORIDA CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

You can finance up to 125% of a new or pre-owned vehicle through MIDFLORIDA. You can apply for a 2022 or newer auto with a 7.14% APR and pay it for up to 72 months. Rates start at 7.39% APR for 2021 models, 7.89% APR for 2020 models, and 8.64% APR for 2018 and 2019 models. If you’re looking for older vehicles, you can contact the credit union to know your choices.

Boat, RV, camper, ATV, jet ski, and trailer loans

MIDFLORIDA Credit Union offers loans tailored to used and new recreational vehicles, too. For up to 60 months, you can finance new models for as low as 9.21% APR. And if you’re after used models, rates begin at 10.22% APR.

MIDFLORIDA Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
MidFlorida Credit Union

MidFlorida Credit Union auto loan

MidFlorida Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate MidFlorida Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a MIDFLORIDA Credit Union auto loan

Eligibility criteria

MIDFLORIDA doesn’t specify the vehicle financing requirements, but you should normally be:

  • A member of MIDFLORIDA
  • 18 years old or older
  • A legal resident
  • Employed or have a reliable source of income

Other than the criteria, try to ask about the loan fees, too. Knowing the overall expenses associated with your car can help you plan ahead. Moreover, this will allow you to compare other choices and weigh your options before applying.

How to join MIDFLORIDA Credit Union

MIDFLORIDA membership is open to any individual and business who lives, works, worships, or attends school in select Florida counties.

What you’ll need to have ready

Personal details

When you apply for auto financing with MIDFLORIDA Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide MIDFLORIDA with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

If you’re refinancing an existing loan, the credit union may ask for more details about the vehicle. These may include the make, year, model, mileage, and vehicle identification number (VIN). So, prepare the information and documents beforehand to make the loan process faster.

Ways to apply for a MIDFLORIDA Credit Union auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (863) 284-5626 or toll-free (855) 560-5626

Additional MIDFLORIDA auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may range from 1 business day to a few weeks based on your application.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Ways to repay: Online banking, ACH (electronic check), checking or savings account, and over the phone.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Long repayment periods.
  • Finance up to 125% loan-to-value.
  • Co-applicants and co-signers allowed.
  • Convenient payment methods – online banking, ACH, checking or savings account, and over the phone.
  • Purchase and refinance available.
  • Pre-approval offered.
  • Multiple partner dealerships.
  • Loans for luxury, classic, and specialty vehicles available.
  • Optional extended warranty and auto insurance offered.
  • Auto listings available.

Cons

  • Loan fees undisclosed.
  • Low credit scores may result in high interest rates.
  • Unknown vehicle requirements.

FREQUENTLY ASKED QUESTIONS

How to apply for an auto loan at MIDFLORIDA Credit Union?

Loan applications can be online, over the phone, or in a MIDFLORIDA branch.

How much interest does MIDFLORIDA charge on auto loans?

MIDFLORIDA’s 2022 and newer vehicles start at 7.14% APR. But for 2021 and older models, the rates begin at 7.39% APR.

How do I pay my car loan with MIDFLORIDA Credit Union?

You can make your monthly loan payments online, through electronic checks, through checking or savings accounts, and by phone banking.

What is the maximum term of a MIDFLORIDA Credit Union vehicle loan?

MIDFLORIDA offers repayment periods of up to 72 months for auto loans and up to 84 months for luxury cars.

How many pay slips does MIDFLORIDA require during my vehicle loan application?

MIDFLORIDA doesn’t disclose the requirements, but you commonly need your 2 most recent pay stubs when you apply.

How can I contact MIDFLORIDA Credit Union about my auto loan?

You can reach out to the loan department at (863) 284-5626 or toll-free at (855) 560-5626.

Will applying for a car loan with MIDFLORIDA affect my credit score?

Applying for a loan requires a hard credit check, which will appear on your credit report. This will decrease your credit score by a few points. But to build your credit, make sure you meet your monthly payments.

How much do I qualify for with a MIDFLORIDA Credit Union car loan?

The credit union can finance up to 125% of your vehicle’s value, including sales tax, insurance, registration, and more.

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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