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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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Auto Loan refinance
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There are still ways you can save!
The $500 cash-back incentive has ended, but you can still save by refinancing your auto loan with MIDFLORIDA.
How to save
Explore Your Refinance Options
Our special offer of up to $500 cash back on auto refinances has ended. However, we still offer competitive auto refinance rates that can help you lower your monthly payments and save on interest.
Learn More
Lower Monthly Payments
A better rate can help you reduce your monthly payment, freeing up extra cash.
Flexible Terms
Choose your term up to 72 months, or up to 84 months on luxury cars.1
Personalized Support
Our loan experts are here to make the loan process easier. Call our loan department at (863) 284-5626 or toll free (855) 560-5626.
Features
Quick & Easy Financing at your Fingertips
Get started with a quick, hassle-free application that makes it easy to refinance your car or truck. Checking your rate won't affect your credit score.2
Online Loan App
Apply Online in Just 2 Minutes
Get the loan process started faster than ever with our super easy online app. In just 2 minutes, you'll be on your way - no complicated steps, no hassle, just a smooth and simple experience from start to finish. Apply now and see how easy getting a loan with MIDFLORIDA can be!
Calculator
Crunch the Numbers
Use the calculator below to see how much you could save by refinancing your auto loan.
Get Answers to Your Questions
To refinance your auto loan, you'll typically need a few basic documents, including proof of income (like pay stubs or tax returns), a copy of your current auto loan statement, proof of car insurance, and personal identification.
To check what rate you might qualify for, we will perform a soft credit inquiry to review your credit and provide an initial offer. This step will not affect your credit score. If you decide to accept the offer and move forward, we'll then do a hard credit inquiry as part of the final approval process.
Approval on an auto loan can happen quickly, sometimes the same day, if you have all the necessary documentation, such as proof of income, credit information, proof of insurance and identification.
1. Other rates and terms available. Please contact us for rates. Rates are based on your credit score and are subject to change. Rates will differ if you are a first-time buyer or require a co-signor. Membership and eligibility requirements apply. Payment Example: A 72-month new or used vehicle loan of $30,000 with an interest rate of 5.74% and an Annual Percentage Rate of 5.879% would have monthly payments of $494.41.
2. When you answer a few questions in our loan application, we initially check your credit report with a soft inquiry, which does not affect your credit score. If you accept an offer and proceed with the application, we will run a hard credit inquiry that will impact your credit score.
