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Auto & Recreational Loans

We believe that your auto loan, like the car itself, should be dependable, within your budget and able to take you exactly where you want to go. When you have VyStar on your side, you can shop with confidence.

Our pre-approved VIP Loan program lets you shop with the confidence and control of a cash buyer. Or maybe you’re looking to refinance and lower your payments. Our VyStar Car Buying Service allows you the freedom to browse for your perfect car and apply for financing with a discounted rate online.

At VyStar, we are dedicated to providing competitive rates and flexible terms. Ask our members and they'll tell you: VyStar loans are clearly better.

We offer several convenient ways to apply:

Apply online in Internet Banking
Apply over the phone by contacting a Call Center representative at 904-777-6000 or 800-445-6289, option 3
Apply in person at any branch
Apply at one of our Participating Dealers.

All loans subject to credit approval. All credit union programs, services, rates, terms and conditions are subject to change at any time without notice.

New & Used Autos

Is it time to buy a new car, truck or van? Maybe you feel the need for speed and want something racier.

From practical to exotic, we have affordable auto loans to fit your lifestyle and budget.

Low rates and affordable payments
More than 100% financing and flexible terms
Pre-approved VIP Loan program
Easy application and quick approval
Financing and refinancing available
Apply online in Internet Banking, visit any branch or contact our Contact Center

Apply Now Check Rates

New & Used Boats

Whether you love the excitement of wakeboarding, the relaxation of fishing or both, boating is one of the best parts of Florida living.

Let us put you in the boat you’ve dreamed of with an affordable loan to fit your lifestyle and budget.

Low rates and affordable payments
Flexible terms to fit your budget
Pre-approved VIP Loan program
Easy application and quick approval
Financing and Refinancing available
Apply online in Internet Banking, visit any branch or contact our Contact Center

New & Used RVs

For weekend warriors and adventurous retirees alike, purchasing your RV is the start of an amazing journey. Let us get you on the road.

Low rates and affordable payments
Flexible terms to fit your budget
Pre-approved VIP Loan program
Easy application and quick approval
Financing and Refinancing available
Apply online in Internet Banking, visit any branch or contact our Contact Center

Apply Now Check Rates

New & Used Motorcycles and Scooters

If you’re looking for easy, economical transportation or for weekend recreation, we have an affordable motorcycle loan to make it happen.

Low rates and affordable payments
Easy application and quick approval
Financing and Refinancing available
Flexible terms to fit your budget
Apply online in Internet Banking, visit any branch or contact our Contact Center

New ATVs

If you’re ready for a little

off-roading, VyStar features

new ATV loans for those who qualify. Financing is available only on new ATVs that have never been titled and are purchased from a dealership in a state that titles ATVs.

Low rates and affordable payments
Flexible terms to fit your budget
Easy application and quick approval
Apply online in Internet Banking, visit any branch or contact our Contact Center

Apply Now Check Rates

Frequently Asked Questions

What do I need to apply for a VyStar auto, motorcycle, RV or boat VIP Loan?

To apply for an auto, motorcycle, RV or boat VIP Loan, please make sure you have the following information:

Approximate dollar amount you are requesting to finance
Down payment or trade-in details
For autos, motorcycles or RVs only: Vehicle year, make, model, mileage and options (if you have already selected a vehicle)
For boats only: Year, make and model of boat, motor and trailer

What do I need to apply for an auto, motorcycle, RV or boat refinance at VyStar?

To apply for an auto, motorcycle, RV or boat refinance at VyStar, please make sure you have the following information:

Information on existing lender, including:
- Lender name and phone number
- Loan number
- 10-day payoff amount with Per Diem
- Payoff address
For autos, motorcycles or RVs only:
- Vehicle year, make, model and mileage
- Copy of registration
- 17-digit Vehicle Identification Number (VIN)
For boats only:
- Hull Identification Number (HIN)
- Year, make and model of boat, motor and trailer

What do I need to apply for an individual sale auto, motorcycle, RV or boat loan at VyStar?

To apply for an individual sale auto, motorcycle, RV or boat loan at VyStar, please make sure you have the following information:

Name of seller(s)
Selling price
Information on existing lender, if applicable:
- Lender name and phone number
- Loan number
- 10-day payoff amount with Per Diem
- Payoff address
For autos, motorcycles or RVs only:
- Vehicle year, make, model and mileage
- 17-digit Vehicle Identification Number (VIN)
For boats only:
- Hull Identification Number (HIN)
- Year, make and model of boat, motor and trailer

What do I need to apply for lease buyout auto loan with VyStar?

To apply for a lease buyout auto loan with VyStar, please make sure you have the following information:

Lease buyout package from the current lender
Vehicle year, make, model and mileage
17-digit Vehicle Identification Number (VIN)
Information on existing lender, including:
- Lender name and phone number
- Loan number
- 10-day payoff amount with Per Diem
- Payoff address

Please note: The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

CALCULATOR

Loan Amount

Interest Rate

Loan Term

Payments

My Payment is:

My Interest is: