FLDOTCU Auto Loans

Ready for that new or used vehicle you’ve always wanted? When it comes to auto loans, we want our members to get an excellent deal. We have low rates, 100% financing, and great service, and we’ll do everything we can to help put you in the vehicle you’re looking for. So come on in and get pre-approved with us, or apply online, and find out what you can afford before you start shopping.


Check with us about refinancing your existing loan with another lender. In many cases, we can lower your rate and reduce your repayment terms too. Contact our loan department for more information, or click here to apply online.


With loan terms up to 84 months and monthly or bi-weekly payment options, we work hard to find ways to make your next new or used car an affordable one.

Payment Protection - Credit Disability & Credit Life Insurance

Credit Disability and Credit Life Insurance is available for most loan products. This optional coverage is underwritten by CMFG Life Insurance Company. For additional information, please see the Insurance Services section of our website.

GAP – Guaranteed Asset Protection

We Offer GAP – For the Unexpected!

Vehicle prices continue to increase, yet at the same time loan terms are getting longer and down payments are getting smaller. What does this mean for you? It means that your vehicle’s loan balance is significantly higher than what the car is worth, especially during the first few years of the loan, and if your vehicle is totaled or stolen you could be stuck paying a multi-thousand dollar deficiency balance, or “gap,” between what your insurance covers and what you still owe on your loan.

Not to worry! We have a product that will prevent you from having to cover the cost of your totaled car: Guaranteed Asset Protection, or GAP. GAP eliminates the potential for loss in the event your vehicle is totaled or stolen and protects you from incurring such a large financial loss.

In addition to the protection GAP offers, our program has the following advantages:

  • GAP is inexpensive.
  • Filing a claim is quick and easy.
  • Enrollment is easy and coverage begins immediately.
  • Coverage is offered for a variety of vehicle types, new and used.
  • Up to $1,000 of your insurance deductible is covered, as part of the deficiency balance.

Consider this scenario: You buy a car. The loan balance after one year is $15,000. The market value is $11,000. Your insurance deductible is $1,000. You total the car, and your insurance company pays $10,000. That leaves a difference of $5,000.  $5,000 you would have to pay for a car that you no longer have! With GAP, that $5,000 is paid. Think about it!

This is an extremely important coverage option that dealers charge two to three times more for the same, and more often times, less coverage than our GAP product provides. Plus, as an added benefit, our GAP product can pay your deductible up to $500 for accidents covered by your auto insurance policy. Talk to our loan department for more details about this must have coverage.

Click here for more information and to check your eligibility and pricing for this product.

MBP – Mechanical Breakdown Protection (Extended Warranty)

Did you know that one in three vehicles experience a mechanical failure in a given year, and the typical warranty owner will make several claims during the life of their agreement?  Should your vehicle experience a failure after the manufacturer's warranty expires, without an extended warranty you will have no protection from the unexpected repair costs that can easily be in the thousands of dollars!

With our MBP, you can not only save thousands of dollars on such repairs but you can also save 30-50% on the cost of our protection compared with that of the dealer’s, all while enjoying a low or no per-visit deductible. Plus, you save valuable time as well with the ability to take your vehicle to any licensed repair facility in the US and Canada.

Click here for more information and to check your eligibility and pricing for this product.

Ding Guard

Ding GuardDents Happen… Repair them with Ding Guard

What if you could have unexpected dents, dings and creases quickly and conveniently repaired at a dealership as a part of your routine service visit?

The Ding Guard Service Plan allows you to avoid the time and expense of a body shop appointment and maintain the appearance of your vehicle with ease at the dealership. The Ding Guard Servive Plan features the following:

  • High-quality ding and dent repair with unlimited repairs to the hood, trunk, doors, fenders, roof and quarter panels for the length of your service contract.
  • All repairs are performed at the dealership by Certified technicians using the latest PDR technology.
  • Provides coverage for up to 6 years with all repairs back by a Limited Lifetime Warranty.
  • No out of pocket expenses with coverage repairs.

The PDR Advantage

Ding Guards's proprietary process for removing dings and dents does not utilize traditional auto body technologies such as sanding, panel replacement and painting.

  • Covers doors, fenders, quarter panels, hoods, roofs and trunks.
  • Maintains integrity to your factory paint finish.
  • Helps retain value of your vehicles at trade-in.
  • Limited lifetime warranty on all repairs.
  • Saves hundreds of dollars in lease turn back costs.
  • Cancellable and transferable.


TruStage Auto Insurance Program

Trustage Insurance

Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services and 24/7 claims service.

If you haven't compared auto insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStage Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.


Contact Us

Contact our loan department for more information, or click here to apply online.

Normal membership, creditworthiness and collateral requirements apply

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