The VyStar Credit Union is a auto loan from VyStar Credit Union. The ongoing APR is New Cars (Model years 2025 or newer) Up to 48 months as low as 5.99%; Used Cars (2011 - 2024) Up to 48 months as low as 6.49%. Typical credit limit: 61 - 72 months - $15,000 min. loan amt.. Loan terms: 73 - 84 months - $20,000 min. loan amt..