Manage Payments
Get pre-approved for your auto loan before visiting the dealership to know exactly what you can afford. With your payments and budget set in advance, you can shop confidently.
Auto Loans
We offer our members personalized service to get you on the road with a rate you can afford.
Benefits of a Tyndall Auto Loan
Gap Insurance
Protect your investment and gain peace of mind by adding GAP insurance to your auto loan. If your vehicle is deemed a total loss due to an accident or theft, you may wind up owing more on your loan that your auto insurance will cover. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss.
Lower Rates
As a not-for-profit financial institution, we return our earnings to our members in the form of lower loan rates and fewer fees. Unlike banks, our focus is on serving our members—not maximizing profits—so you benefit from more affordable financing options.
Membership is required. Check eligibility.
Know the Value
Ensure you’re paying the right price by researching the value of the vehicle you’re interested in. Knowing its market value gives you the confidence to negotiate and helps you avoid overpaying.
Tips for Negotiating an Auto Purchase
Do Your Research
Know the fair market value of the car you want by checking resources like J.D. Power before visiting a dealership.
Get Pre-Approved
Secure your auto loan pre-approval with us first—this gives you a clear budget and strengthens your negotiating position.
Focus on the Price, Not the Payment
Negotiate the total purchase price of the car, not just the monthly payment, to avoid hidden costs.
Be Ready to Walk Away
Don’t be afraid to leave if the deal doesn’t meet your needs—there are always other vehicles and dealerships.
Calculate your Payments
Ready to Buy?
Have a Question About an Auto Loan?
*APR = Annual Percentage Rate. Rates shown are generally the lowest currently available.
Subject to completed application and approval. Qualifying interest rate, term, and loan-to-value (LTV) are based on creditworthiness. Ask for your specific rate. For used vehicles, the term and loan-to-value may also be determined by the vehicle’s model year and/or mileage. Call 850-747-4321 or 877-747-4321 (toll-free) for details.
The payment amount per $1,000 on a New Auto Loan originated at 3.24% APR financed for 36 months would be $29.23.
The payment amount per $1,000 on a New Auto Loan originated at 4.64% APR financed for 48 months would be $22.92.
The payment amount per $1,000 on a New Auto Loan originated at 5.54% APR financed for 60 months would be $19.18.
The payment amount per $1,000 on a New Auto Loan originated at 5.74% APR financed for 75 months would be $15.94.
The payment amount per $1,000 on a New Auto Loan originated at 6.74% APR financed for 84 months would be $15.01.
The payment amount per $1,000 on a Used Auto Loan originated at 3.24% APR financed for 36 months would be $29.23.
The payment amount per $1,000 on a Used Auto Loan originated at 5.74% APR financed for 48 months would be $23.43.
The payment amount per $1,000 on a Used Auto Loan originated at 6.04% APR financed for 60 months would be $19.41.
The payment amount per $1,000 on a Used Auto Loan originated at 6.54% APR financed for 75 months would be $16.34.
The payment amount per $1,000 on a Used Auto Loan originated at 7.24% APR financed for 84 months would be $15.27.
Rates are subject to change without notice.
Membership required; NO membership fee applies.
LATE CHARGE - If your payment is more than 10 days late, we may collect a late payment charge from you of 10% of the payment then due, with a minimum of $5.00.
GAP is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee.
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