All Loans > Auto Loans > Florida State University Credit Union Auto Loans Calculator
Important disclosure

FSU Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 27 August 2023
Fact checked

A quick review of Florida State Credit Union auto loans

Florida State University Credit Union (FSUCU) logoFlorida State University Credit Union (FSUCU) offers low auto loan rates from 5.49% APR with repayment terms of up to 84 months. Members can pick from loans tailored to cars, motorcycles, RVs, boats, campers, and more. Plus, FSUCU has auto loan programs that help qualified members lower their monthly payments and stay on track with their loans.

Want to see what an FSUCU auto loan will cost? Try the Florida State University Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key FSUCU auto loan features

  • Minimum loan amount: $5,000.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 5.49% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

FSU Credit Union auto loan options

New and used vehicle loans

FSUCU offers competitive rates for new, used, and refinance auto loans. For a minimum of 5.49% APR, you can secure your dream ride. Moreover, you can choose a flexible repayment option of up to 84 months.

Motorcycles, RVs, boats, campers, and other recreational vehicle loans

You can also purchase other types of vehicles, like motorcycles, RVs, boats, campers, and other recreational vehicles. From 6.49% APR, you can lock in a pre-owned or new vehicle for up to 84 months.

InGear auto loan program

FSUCU also allows qualified borrowers to secure a payment up to 40% lower without a lease. Through this program, the credit union guarantees the future value of your car at the end of your loan. So, you can trade in, sell, pay off, or refinance anytime to reap the benefits of auto ownership. Then, you can return the vehicle to FSU Credit Union and start a clean slate if you face negative equity.

OnPace auto loan program

With OnPace, you won’t have to worry about missing your monthly payments. Through this program, the OnPace GPS device will disable your vehicle if you stop making payments. This will help you stay on track with your loan. But remember that this won’t disable your ride while it’s in motion.

FSU Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Florida State University Credit Union

Florida State University Credit Union auto loan

Florida State University Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Florida State University Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

SeeLoans.com provides factual information about financial products. While SeeLoans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on SeeLoans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product, you will be dealing directly with that provider and not with SeeLoans.com. SeeLoans.com recommends reading the relevant product disclosure statement or product guide before taking up any financial product offer. Please view SeeLoans.com's Terms of Use for more information.

Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Florida State University Credit Union auto loan

Eligibility criteria

FSUCU doesn’t specify the requirements, but you typically need to be:

  • An FSUCU member
  • 18 years old or older
  • Employed or have a stable source of income

It also helps to ask about the auto loan fees that the credit union may require. This will help you compare your options, prepare your budget, and choose a loan you’re comfortable with.

How to join FSUCU

To be a Florida State Credit Union member, you need to meet one of the following:

  • Live or work in Bay, Calhoun, Columbia, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Leon, Liberty, Okaloosa, Santa Rosa, Taylor, Wakulla, Walton, or Washington counties
  • FSU student in good academic standing
  • FSU faculty or staff
  • Employee of FSU Credit Union
  • Member or employee of any organization that is part of the FSU community
  • Member or employee of any business that does business with or has offices at FSU
  • A relative of an existing member of FSUCU
  • Employee or resident of HarborChase Senior Living Community located at 100 John Knox Rd.

What you’ll need to have ready:

When you apply for auto financing with FSU Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide FSUCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Ways to apply for a Florida State Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 877-463-7828

Additional FSUCU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but credit unions may take a day to a few weeks based on your circumstance.
  • Rate discounts: Potential lower APRs for members with excellent borrower credit history.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Online loan payment portal, online banking, shared branching, by mail, over the phone, and in person.
  • Ways to repay: Online loan payment portal, online banking, shared branching, by mail, over the phone, and in person.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

Pros and cons

Pros

  • Competitive interest rates.
  • Longer repayment options.
  • Joint applications allowed.
  • Many ways to make a loan payment – autopay, online loan payment portal, online banking, shared branching, by mail, over the phone, and in person.
  • Up to 40% lower monthly payments with the InGear auto loan program.
  • Stay on track with monthly payments through the OnPace auto loan program.
  • Multiple vehicles available – new and used autos, motorcycles, RVs, boats, campers, and other recreational vehicles.
  • Optional insurance available, including extended warranties and auto insurance.

Cons

  • Membership eligibility required.
  • Undisclosed loan fees.
  • Unspecified vehicle restrictions.
  • Down payment may be required based on creditworthiness, vehicle age, loan, and term.

Frequently asked questions

What is the phone number for the FSU Credit Union loan payment?

If you’re paying from a non-FSU-Credit-Union Checking Account, you can call 1-833-641-2098 to make your monthly payment. But if you want to make a payment from an FSU Credit Union account, you can reach out at 1-877-463-7828.

What is the maximum term of an FSUCU car loan?

FSUCU offers up to 84 months for new and used vehicle loans.

Does FSU Credit Union refinance auto loans?

Yes. You can refinance your current loan from another financial institution and save money over the life of the loan. However, you can’t refinance an existing FSUCU loan.

How do I pay my Florida State Credit Union car loan?

You have multiple payment methods – online portal, online banking, shared branching, by mail, over the phone, and in person.

How much interest does Florida State University Credit Union charge on auto loans?

You can secure a pre-owned or new car with an annual percentage rate as low as 5.49%. Remember though that loans are subject to credit approval.

Video: Drive your dream car with the InGear Auto Loan from FSU Credit Union!

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

.

Seeloans.com provides factual information in relation to financial products. While Seeloans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on Seeloans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with Seeloans.com. Seeloans.com recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information please see Seeloans.com’s Terms of Use and Services Guide.

© 2025 Seeloans.com