Drive the Keys With Confidence: Affordable Auto Loans in Key West

Living in the Florida Keys requires reliable transportation. Whether you are commuting along the Overseas Highway or navigating the streets of Old Town, having a vehicle you can trust is essential. However, finding the right financing is just as important as finding the right car.

At Keys Federal Credit Union, we believe that buying a vehicle should be an exciting milestone, not a source of financial stress. If you are looking for Auto Loans in Key West, we offer a local, member-focused alternative to national banks and high-interest dealership financing. We are dedicated to getting you behind the wheel with terms that fit your budget and your lifestyle.

Why Choose Keys FCU for Your Auto Financing?

When you finance your vehicle through a dealership or a big bank, you are often just another account number. As a credit union, Keys FCU is a not-for-profit financial cooperative owned by our members. This allows us to focus on your financial well-being rather than maximizing corporate profits.

When you choose us for car financing in Key West, you gain access to:

Competitive Low Rates: Because we are member-owned, we return our profits to you in the form of lower interest rates on loans.
Flexible Terms: We understand that every budget is unique. We work with you to structure a repayment plan that remains affordable.
Local Decision Making: Our decisions are made right here in the Keys by people who understand our local economy, ensuring a faster and fairer process.

View Our Current Auto Loan Rates

New and Used Car Loans in the Florida Keys

Whether you are in the market for a brand-new truck to haul your boat or a pre-owned sedan for your daily commute, Keys FCU has you covered.

New Vehicles: Buying a new car is a significant investment. By securing your financing with us, you can ensure you are getting a fair deal without the hidden fees often attached to dealer financing options.
Used Vehicles: In the current market, a high-quality used vehicle is a smart financial choice. We offer used car loans in Key West with competitive rates that make older model years an attractive option for reliable transportation.

Explore Our Auto Loans

Love Your Car but Hate Your Payment?

Did you finance your current vehicle at the dealership? If so, you might be paying a higher interest rate than necessary. Many drivers in Key West are stuck with high monthly payments that strain their budgets.

Keys FCU offers Auto Refinance options that could help you:

Lower your monthly car payment.
Reduce the interest rate on your existing loan.
Pay off your vehicle faster.

If you feel stuck in a bad loan, bring your paperwork to us. We can review your current terms and see if we can save you money.

Get Pre-Approved Before You Shop

One of the best ways to buy a car is to walk into the dealership with a pre-approval in hand. When you get pre-approved at Keys FCU, you know exactly how much you can spend and what your interest rate will be before you even take a test drive.

This turns you into a "cash buyer" at the dealership, giving you significant negotiating power and preventing sales staff from up-selling you on expensive financing packages.

Who Is Eligible to Join?

Keys Federal Credit Union is dedicated to serving our unique community. If you live, work, worship, or attend school in the Florida Keys, you are likely eligible to join. Being a member means you are part of a financial institution that invests directly back into the Key West community.

Visit a Branch in Key West Today

While we offer convenient online applications, we know that sometimes you want to speak to a real person about your finances. Our loan officers are available to discuss your needs, review your credit, and help you determine the best financing path for your next vehicle.

Find a Branch Near You