Vehicle Loans

Need help finding a vehicle?  Use The Car Guy, our auto adviser!

Information about the car guy

Send an email to thecarguy@flagcu.com or give him a call at 850-921-2955.

Glen Moon, the Car Guy, is happy to now be associated with FLAG Credit Union where the needs of its members are the number one priority.

Whether you are looking for a van for your growing family, a first car for your going-off-to-college son or daughter, or your dream luxury vehicle, he can help you decide which car best suits your needs.

New & Used Automobiles

A new vehicle is one that has never been titled. We offer 100% financing of invoice price, plus tax, tag and title fees. The costs of payment protection (life and disability insurance), warranty and GAP products may be financed too.

A used vehicle is any vehicle that has previously been titled. We offer 100% financing of invoice price, plus tax, tag and title fees. The costs of payment protection (life and disability insurance), warranty and GAP products may be financed too.

Pre-approval

If you haven’t selected the specific vehicle you intend to purchase, place the highest dollar amount you would like to finance under “amount requested” on the application. Your application will be reviewed – based on that dollar amount – before you select the actual vehicle you want to purchase. When you select the vehicle, simply fax or email the dealer’s invoice to us.

Refinancing of an Automobile

Want to save some money? Consider refinancing your auto loan with us.

  • If you purchased a new automobile and financed it with another institution, you may still refinance it with us at our current new automobile rate. Your new vehicle must have been financed within the last 120 days and must have fewer than 5,000 miles.
  • If you purchased a used automobile and financed it with another institution, you may still refinance it with us at our current used automobile rate.

Online loan application.

Printable Loan Application


New & Used Recreation Vehicles

Yes, we finance fun! You must finance at least $25,000 to have a term up to 10 years for a used recreation vehicle, and a term of 15 years for a new recreation vehicle. Regardless of the term, a down payment of 5% of the purchase price is required for financing. This can be done via a down payment or equity in a trade-in.

New & Used Motorcycles

  • New motorcycles: We will finance 100% of invoice price plus tax, tag and title fees.
  • Used motorcycles: We will finance 100% of retail price, per NADA, plus tax, tag and title fees

New & Used Boats

  • New boats*: We will finance 100% of invoice price plus tax, tag and title fees.
  • Used boats*: We will finance 100% of retail price, per NADA.

*Includes a boat, a motor, a trailer or a combination thereof.

New & Used Small Equipment

We will 
finance smaller equipment items, such as, but not limited to:

  • Hearing Aids
  • Horse Trailers
  • Lawnmowers
  • Pianos
  • Spas
  • Storage Buildings
  • Tractors

For current terms and rates, head to our Rates Schedule.