New and Used Auto Loan Financing - Get financing for new and used cars, trucks and SUVs.

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We want you to get the most mileage out of your money. Whether you're buying used or getting a brand-new vehicle off the lot, a Seacoast Auto Loan ensures you have the financing you need for your new ride.

We'll work with you to manage your auto loan term, find low interest rates and provide funding as fast as one business day. Apply today and see how a Seacoast Auto Loan can fast-track your next car, truck or SUV purchase.

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Seacoast Auto Loan Features

Financing at a Competitive Rate
  • Rates as low as 6.84% APR1
  • Walk into the dealership with financial leverage and be in a better position to negotiate the best vehicle deal for you
Fast Application Process
  • Simple and quick application and decision process for same-day or less auto loans
  • Safe and easy online document sharing
  • Electronic signature available to help expedite your loan process

Applying for Your Auto Loan is Simple

  1. Gather Your Info: We’ve listed out the items you’ll need for your application in the “What You Need to Apply” section for your convenience.
  2. Begin Your Application: When you click "Apply Now," you will create a secure account where you can submit your information. You can then begin your application and save it to return later if necessary.
  3. Done: A local Florida lender will follow up with you on your loan status in one business day or less.
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Enjoy these standard features with all of our accounts:

Quick and Easy Applications

Quick, Easy Applications

At Seacoast, applying for your loan or financing is always easy – and you’ll be done in minutes.

Fast Decisions

Fast Decisions

Typically receive a loan decision in one day or less2.

Electronic Banking

Secure Electronic Processing

Know your data is safe and secure with our online document sharing and electronic signature capabilities.

Accessible Florida Loan Experts

Accessible Florida Loan Experts

You can depend on Seacoast Bank's loan experts to guide you through the loan application process. Connect with them online, in-person or over the phone.

How to Shop for an Auto Loan

  • Know Your Credit Score - Your credit score will impact the annual percentage rate (APR) and fees on your auto loan. Check your credit score before you start shopping; if it’s low, take action to improve it before buying.
  • Consider Loan Terms - Auto loan terms are typically expressed in months, ranging from 24 to 72 months or longer. Longer loan terms may be attractive due to their lower monthly payment, but you will be paying higher interest over the life of the loan the longer you choose to hold it.
  • Review the Fine Print - Review loan documents for fees, prepayment penalties and other details. If you think your APR is too high, talk with your lender about potential options to lower it.
  • Set a Budget - Use our Auto Loan Calculator to estimate your monthly payments based on purchase price, down payment, APR and more.

FAQs

How Much Auto Loan Can I Afford?

  • Before you begin shopping for your new or used vehicle, use our Auto Loan Calculator to see how much you can comfortably spend to help you get both a car and a monthly payment you'll be happy with.

Can You Get An Auto Loan For A Private Sale?

  • Yes, you are able to obtain an auto loan for a private sale and will follow the same application process as if you were working with a dealership. However, when working with a private seller, your lender may require a formal appraisal and inspection of the vehicle to assess its value.

Are Auto Loans Secured Or Unsecured?

  • Auto loans are generally considered to be secure loans because the vehicle you are purchasing serves as collateral—meaning that if you fail to make your payments on your auto loan, the lender has the right to repossess the vehicle to recover their losses.

How Long Does It Take To Get An Auto Loan?

  • Depending on the lender or dealership, complete approval for an auto loan can take anywhere from a few hours to one week. With Seacoast Bank, once you submit your application, our streamlined process allows for quick decisions and often results in loan approval within one business day or less. 

  • Please note that once your loan is approved, the distribution of funds may take up to one additional week. 

Can I Pay Off My Auto Loan Early?

  • Yes, Seacoast Bank allows you to pay off your auto loan early if you choose to do so. Paying off a loan early can help you save on interest and free up space in your monthly budget. Once your loan is paid in full, your lien will be released within 14 days, and titles will be processed within three business days.

How Soon Can You Refinance An Auto Loan?

  • The period after which you may refinance your auto loan will depend on your lender, but typically, you must wait at least 60-90 days for the title to be transferred into your name. Financial experts recommend waiting at least six months to one year.

How Long Are Seacoast Auto Loans?

  • Seacoast Bank offers auto-term lengths from 12 to 75 months. This range allows our borrowers to choose a term that is comfortable for them and their budget. Short-term lengths are useful for saving money on interest, while longer-term lengths help lower your monthly payment if that is a consideration.

How Does Auto Loan Interest Work?

  • Seacoast Bank Auto Loans are calculated using a simple interest formula based on the principal amount you borrowed plus the interest rate. Your payments will include both the principal and interest, with more interest paid at the beginning of the loan and then transitioning toward paying more principal toward the end.

Have Questions? Speak with a Seacoast Banker

A local Florida lender will contact you within one business day or less to discuss the status of your loan.
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1.  APR = Annual Percentage Rate. Offer based on loan term of 60 months. Seacoast Bank finances 90% of MSRP (new vehicles) or the NADA Average Trade value (used vehicles 2023 - 2025). Payment example for new vehicle: $30,000 loan for 60 months at 6.84% APR will result in an approximate monthly payment of $591.77 with a one-time $250.00 loan processing fee. The maximum 18% APR includes interest rate, fees and other costs. Minimum period for repayment is 12 months. Maximum period for repayment is 75 months. APR of 6.84% requires a minimum credit score of 780, automatic payment deduction from your Seacoast Bank deposit account, and a new vehicle as collateral. Rates current as of June 2, 2025 and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers. Loans subject to third party closing fees to cover Florida doc stamps and recording fees.

2. Subject to receipt of all required documentation, day, and time of application.