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.
Calculate Your Payment
Quick, Easy Applications
At Seacoast, applying for your loan or financing is always easy – and you’ll be done in minutes.
Fast Decisions
Typically receive a loan decision in one day or less2.
Secure Electronic Processing
Know your data is safe and secure with our online document sharing and electronic signature capabilities.
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
Auto Loan FAQs
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.
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.
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.
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.
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.
A local Florida lender will contact you within one business day or less to discuss the status of your loan.
1. APR = Annual Percentage Rate. Seacoast Bank offers auto loans with terms of 12 to 75 months and can finance up to 90% of the vehicle’s MSRP (new vehicles) or the NADA Average Trade-In Value (used vehicles 2023 - 2025). For example, a $30,000 loan for 60 months at 6.087% APR (Annual Percentage Rate) results in an estimated monthly payment of $581.20 plus a one-time $250 processing fee. The maximum APR, including interest and fees, is 18% APR. An APR of 6.087% requires a minimum credit score of 780 and automatic payments from a Seacoast Bank deposit account. Rates shown are as of May 1, 2026, and may change based on market conditions and borrower eligibility. Other rates and terms are available. All loans are subject to credit approval and cannot be combined with other offers. Additional third-party closing fees may apply for state-required doc stamps and recording fees.
2. Subject to receipt of all required documentation, day, and time of application.
Equal Housing Lender. Member FDIC. NMLS# 608046
