The Florida Credit Union is a auto loan from Florida Credit Union. The ongoing APR is Auto/Truck: as low as 5.357% APR (Model 2025 and newer, 36 months) to 5.727% APR (Model 2023-2024, 72 months); minimum APR 5.357% - maximum APR 17.000% (rates accurate as of 09/30/2026). Typical credit limit: Minimum loan amount $5,000. Loan terms: 36-84 months repayment terms; option to defer payments for 90 days.