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Do you need to secure financing in Jacksonville? Unfortunately, lining up such a loan can be a pretty infuriating process, stealing all the fun from buying a car. Most financial specialists encourage obtaining your car loan in advance, which offers an array of benefits:

  • Less time wasted at the dealership.
  • Lesser interest rate.
  • Improved bargaining leverage.

Let a finance consultant in Jacksonville help you get approved for financing, answering your questions in the process.

Auto Finance Rates in Jacksonville

Keep in mind, the rates below should not be seen as advertisements, but instead estimates at the time of publication. Your precise rate of interest will depend on quite a number of variables, which include loan provider, down payment, monthly income, loan-to-value ratio, etc.

Credit Rating New Car Used Car
Excellent 3.2% 3.3%
Good 4.4% 4.5%
Average 6.1% 6.0%
Subprime 9.0% 9.4%
Bad 13.4% 14.1%
Very Bad 13.8% 15.5%

Used Auto Loans in Jacksonville

Yes, the interest rates for a pre-owned car are greater than the rates for a new one. However, pre-owned cars and trucks are a better value in the long run, and they depreciate less. You can finance a low-mileage used car or truck for half the cost of a brand new one.

Age Price APR Months Payment Interest Total
New $19,200 6.00% 60 $371.19 $3,071 $22,271
1 Year $15,360 7.50% 60 $307.78 $3,107 $18,467
2 Years $13,056 7.50% 60 $261.62 $2,641 $15,697
3 Years $11,098 7.50% 60 $222.37 $2,245 $13,342

A pre-owned car or truck is an excellent option, regardless of whether you’re getting a loan or not. Auto loans for used vehicles come with slightly higher interest rates, but in many cases, you only need 10% down, and the insurance costs are less expensive.

Bad Credit Auto Loans in Jacksonville

Poor credit has become a serious stumbling block for the consumers of Jacksonville and beyond. The better your credit, the lower your annual percentage rate is going to be. A couple of decades ago, you might be turned down at several lenders or dealers before you were approved for a loan.


In Jacksonville, buy here pay here car dealerships wind up serving a large proportion of the bad credit demographic No, your credit will not be an issue, but you will find yourself coughing up a boatload in interest for an older car or truck. Instead, we recommend that you apply for financing online. The rates are typically lower, the terms significantly better, and you have the ability to improve your credit at the same time.

Contact an auto finance professional in your area today.

Can a Car Loan Improve Your Credit?

An auto loan can improve your credit score, if it meets these conditions:

  • It isn’t supplied by a BHPH dealer.
  • The installments are paid punctually, every month.

There’s no instantaneous surge in your FICO score. Rather, it should increase steadily with your payments. Most lenders offer automated payment options, which are essential to making your payments when they’re due each month.

Jacksonville Resources

Credit Unions

Credit UnionStreet addressZipTelephone
121 FinancialP.O. BOX 1668832245(904) 723-6300
121 Financial459 E 16th St32206(904) 722-4535
121 Financial12740 Atlantic Blvd32246(904) 723-6300
121 Financial9700 Touchton Rd32216(904) 723-6300
121 Financial11406 San Jose Blvd32223(904) 723-6300
121 Financial8101 Normandy Blvd32221(904) 723-6300
121 Financial6000 Lake Gray Blvd32244(904) 723-6300
121 Financial14023 Revell Dr32218(904) 723-6300
121 Financial300 W Adams St32202(904) 723-6300
Anchor Seven2121 Huron St32254(904) 786-6644
Anheuser-Busch Employees155 Busch Dr32218(904) 751-3335
Chartway601 Riverside Ave32204(757) 552-1000
City & Police4675 Sunbeam Rd32257(904) 854-9775
City & Police5546 Beach Blvd32207(904) 398-7760
City & Police2409 Dunn Ave32218(904) 751-5445
City & Police4830 Waller St32254(904) 388-4234
City & Police501 E Bay St #20532202(904) 353-8454
City & Police FCU501 E Bay St32202(904) 353-8454
Coastline4651 Emerson St32207(904) 346-1700
Coastline500 Water St32202(904) 346-1700
Coastline550 Dundas Dr32218(904) 346-1700
Coastline6735 Southpoint Dr S32216(904) 346-1700
Community First Credit Union Of FL637 N Lee St32204(904) 354-8537
Community First Credit Union Of FL7676 Merrill Rd32277(904) 354-8537
Community First Credit Union Of FL7640 103rd St32210(904) 354-8537
Community First Credit Union Of FL1623 Edgewood Ave W32208(904) 354-8537
Community First Credit Union Of FL1650 San Pablo Rd S32224(904) 354-8537
Community First Credit Union Of FL1 University of North Florida Drive32224(904) 354-8537
Community First Credit Union Of FL11907 Lem Turner Rd32218(904) 354-8537
Community First Credit Union Of FL8165 Point Meadows Way32256(904) 354-8537
Community First Credit Union Of FL13808 Beach Blvd32224(904) 354-8537
Community First Credit Union Of FL2777 University Blvd W32217(904) 354-8537
Community First Credit Union Of FL623 N Main St32202(904) 354-8537
Community First Credit Union Of FL11701 San Jose Blvd32223(904) 354-8537
Community First Credit Union Of FLAndrew Jackson High School 3816 N Main St32206(904) 354-8537
Downtown Branch121 W Forsyth St32202(904) 777-6000
Ducote2212 Myrtle Ave N32209(904) 354-0874
Ducote Federal Credit Union2212 N Myrtle Ave32209(904) 354-0874
Duval500 Mcduff Ave S32254(904) 356-3678
Duval330 E Bay St #41032202(904) 356-3678
Duval117 W Duval St #13032202(904) 356-3678
Duval655 W 8th St32209(904) 356-3678
Farmers6611 Dunn Ave32218(904) 764-4591
First Coast3040 Edison Ave32254(904) 387-5660
First FloridaP.O. BOX 4331032203(904) 359-6800
First Florida4230 Southpoint Pkwy32216(904) 359-6800
First Florida500 W 1st St32202(904) 359-6800
First Florida4530 St Johns Ave32210(904) 359-6800
Florida Baptist1320 Hendricks Ave32207(904) 396-4208
Florida Telco A CCU301 W Bay St32202(904) 723-6300
Florida Telco Credit Union8180 Normandy Blvd32221(904) 781-3446
Florida Times-Union Employee FCU1 Riverside Ave32202(904) 359-4178
Healthcare Cooperative9790 Touchton Rd32246(904) 296-1292
Healthcare Cooperative1800 Barrs St32204(904) 308-7494
Healthcare'S Cooperative3625 University Blvd S32216(904) 391-1420
Healthcare'S Cooperative820 Prudential Dr32207(904) 202-2913
Healthcare Cooperative3003 Lenox Ave32254(904) 296-2272
Healthcare'S Cooperative4312 Pablo Professional Ct32224(904) 223-8300
Healthcare Cooperative580 W 8th St32209(904) 244-9109
Healthcare Cooperative532 Riverside Ave32202(904) 791-8194
J. M. Associates8019 Bayberry Rd32256(904) 443-6767
J. M. Associates1751 Talleyrand Ave32206(904) 358-4424
J. M. Associates9985 Pritchard Rd32219(904) 378-4623
Jacksonville FiremensPO Box 399632206(904) 353-4788
Jacksonville Firemens7908 Blanding Blvd32244(904) 353-4788
Jacksonville Firemens2205 Haines St32206(904) 353-4788
Jacksonville Postal & Professional1820 Rogero Rd32211(904) 743-2555
Jacksonville Postal & Professional1100 Kings Rd32203(904) 355-3757
Jacksonville Postal & Professional7415 Commonwealth Ave32220(904) 781-1512
JaxPO BOX 235732232(904) 475-8000
Jax400 W Bay St32202(904) 475-8000
Jax4100 Belfort Rd32216(904) 475-8000
Jax1440 Dunn Ave32218(904) 475-8000
Jax7254 103rd St32210(904) 475-8000
Jax562 Park St32204(904) 475-8000
Jax Federal Credit Union1 Independent Dr32202(904) 475-8000
Jax Glidco EmployeesP. O. BOX 38932201(904) 924-2755
Jax Glidco Employees601 Crestwood St32208(904) 924-2755
Jax Metro Cu30 E 27th St32206(904) 360-5100
Jax Metro Cu3033 Lenox Ave32254(904) 360-5100
Jax Metro Cu2485 Monument Rd32225(904) 360-5100
Jax Metro Cu21 W Church St32202(904) 360-5100
Jax Navy Federal Credit Union300 Old Kings Rd32011(904) 879-4363
Mayo Employees4500 San Pablo Rd S32224(904) 953-6366
Metro North310 Dundas Dr32218(904) 757-5563
Navy Federal Credit Union460 Naval Station St 1832227(888) 842-6328
Navy Federal Credit Union6331 Roosevelt Blvd #1232210(888) 842-6328
Navy Federal Credit Union9583 Regency Square Blvd32225(888) 842-6328
Navy Federal Credit UnionCross Roads Shopping Center32244(888) 842-6328
Navy Federal Credit UnionAtlantic Blvd32233(888) 842-6328
Navy Federal Credit UnionSt Johns Bluff Rd S32246(888) 842-6328
Potter's House Credit Union5732 Normandy Blvd32205(904) 695-7376
Powernet966 N Liberty St32206(904) 359-9050
Publix Employees101 Bell-Tel Way32211(904) 725-4662
Publix Employees Federal Credit Union5870 Atlantic Blvd32207(904) 725-4662
Space Coast6131 Atlantic Blvd32211(800) 882-5007
Space Coast8367 Baymeadows Way32256(800) 882-5007
State EmployeesPO Box 292732232(904) 418-7300
State Employees401 W 1st St32202(904) 418-7300
Vystar4949 Blanding Blvd32210(904) 777-6000
Vystar4420 Wabash Ave32210(904) 908-2392
Vystar8425 Merchants Way32222(904) 594-5501
Vystar7765 Normandy Blvd32221(904) 594-5453
Vystar8263 Philips Hwy32256(904) 908-2880
Vystar1802 Kernan Blvd S32246(904) 594-5350
Vystar11343 San Jose Blvd32223(904) 908-2471
Vystar686 Commerce Center Dr32211(904) 908-2836
Vystar6801 Roosevelt Blvd32212(904) 908-2414
Vystar1831 Dunn Ave32218(904) 908-2330
Vystar101 Bartram Oaks Walk32259(904) 594-5428
Vystar214 N Hogan St32202(904) 908-5471
Vystar7399 Longleaf Pine Prkway32259(904) 594-5428
Vystar7795 103rd St32210(904) 908-2380
Vystar11674 Beach Blvd32224(904) 594-5369
Vystar7802 Atlantic Blvd32216(904) 908-2300
Vystar Credit Union13551 Lake Newman St32221(904) 772-0163
Westside Drive Thru Center4539 Blanding Blvd32210(904) 777-6000
Community First Credit Union Of FL1451 3rd St S32250(904) 354-8537
Duval1500 Beach Blvd32250(904) 356-3678
Vystar1238 Beach Blvd32250(904) 908-2427