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Tropical Financial CU Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 10 November 2023
Fact checked

Tropical Financial Credit Union auto loans overview

Tropical Financial Credit Union logo

85+ years in finance, Tropical Financial Credit Union serves members across Miami-Dade, Broward, Palm Beach, St. Lucie, Martin, Hendry, Collier, Lee, and Sarasota. Tropical FCU offers auto financing with low APRs, flexible payment plans, and quick approval. Plus, members can select from a wide range of loans for new and pre-owned cars, recreational vehicles, motorcycles, etc.

Want to see what a Tropical FCU auto loan will cost? Try the Tropical Financial 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 Tropical Financial Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 100%.
  • Interest rates: As low as 4.99% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

TROPICAL FINANCIAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Tropical FCU provides flexible new and used auto loans to help you purchase or refinance your vehicle. Interest rates are as low as 4.99% APR, and repayment periods can extend up to 84 months. If you’re after vehicles that are 9 to 20 years old, rates begin at 7.99% APR. Meanwhile, classic vehicles manufactured after 1946 and at least 30 years old start at 6.49% APR.

Recreational vehicle loans

You can also finance pre-owned and new recreational vehicles, boats, and motorcycles through Tropical Financial Credit Union. RVs begin at 7.09% APR, and terms can be up to 180 months. For boats, rates start at 5.79% APR with terms as long as 240 months. Meanwhile, motorcycles have rates from 5.49% APR and payment periods of up to 84 months.

Tropical Financial 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
Tropical Financial Credit Union

Tropical Financial Credit Union auto loan

Tropical Financial 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 Tropical Financial 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

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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 Tropical Financial auto loan

Eligibility criteria

  • Must reside in a state within TFCU’s lending area
  • A Tropical FCU member
  • $1 minimum requirement to open your account
  • Current TFCU accounts should be in good standing, not have any restrictions, and paid-to-date

Remember that your APR will depend on several factors, like your credit score, down payment, collateral, and overall loan details. To up your chances of qualifying for the lowest rates, it will help to build your credit first. This way, you can secure a car loan that you can easily manage in the long run.

How to join Tropical Financial Credit Union

Tropical FCU membership is open to:

  • Residents and employees in select Florida counties (Miami-Dade, Broward, Palm Beach, St. Lucie, Martin, Hendry, Collier, Lee, or Sarasota)
  • Employees of one of Tropical Financial’s partner companies

What you’ll need to have ready

Personal details

When you apply for auto financing with Meriwest 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

Documents

You may need to provide Tropical FCU 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.

If you plan to refinance a car you own, Tropical Financial will ask for more specific details about your vehicle and loan. So, prepare the make, model, year, mileage, and vehicle identification number (VIN). Plus, you need to provide your current lender’s name, rate, balance, monthly payment, and account number.

Ways to apply for a Tropical Financial auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 888-261-8328

Additional Tropical FCU auto loan details

  • Automatic payment: Available.
  • Rate discounts: Potential lower rates for borrowers with excellent credit history.
  • Repayment frequency: Monthly, weekly, bi-weekly, and semi-monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking and mobile banking.

Vehicle restrictions and limitations

  • Maximum vehicle age: 8 years old for used auto loans and 20 years old for older used auto loans.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive low interest rates.
  • Flexible payment terms.
  • Quick loan approval.
  • Up to 100% financing.
  • 90 days no payment.
  • Member-exclusive car-buying service.
  • No prepayment penalties.
  • Convenient pre-approval offered.
  • Optional mechanical breakdown protection, GAP coverage, and payment protection offered.
  • Easy online application.
  • Co-applicants allowed.

Cons

  • Exclusive to members.
  • Undisclosed loan fees.
  • Potential higher rates for borrowers in poor credit standing.

FREQUENTLY ASKED QUESTIONS

How much interest does Tropical Financial Credit Union charge on car loans?

Tropical FCU offers new and used auto loans with rates as low as 4.99% APR.

What is the maximum length of a Tropical FCU auto loan?

You can extend your loan terms for up to 84 months.

Does Tropical Financial Credit Union refinance vehicle loans?

Yes. You can transfer your existing car loan to Tropical FCU and take advantage of the credit union’s low rates and flexible payment plans. Plus, you can defer your payment for 90 days.

How much do I qualify for with a Tropical FCU auto loan?

You may finance up to 100%. However, it can’t exceed the lesser of MSRP or the final purchase price (including tax and Vehicle Service Agreement) for new vehicles. For used vehicles, it can’t exceed the NADA retail value (plus/minus options and mileage).

How long does it take to apply for a Tropical Financial car loan?

You can easily apply online in less than 10 minutes.

How long does Tropical FCU take to approve vehicle finance?

In most cases, the credit union can give you a loan decision within 24 hours. Remember though that it can take longer depending on your situation.

Video: Auto refi

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.

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