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Shopping for a car? Check our rates first.

Get a lower payment and flexible terms on your new, used or refinance car loan.


Get more details on our Auto Loans:

We also offer Auto Loan Protection — protect your loan with Extended Warranty, Guaranteed Asset Protection (GAP) and Credit Life & Credit Disability on your auto loan.

1Actual APR may vary based on applicants credit history. Excludes current Gulf Winds auto loans. 1) Rates as low as 2.24% APR for up to 36 months.



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This is only an estimate. Your actual terms and rates will vary depending on credit history and the details of the loan. Contact us to get your best rate.

For more details, use our Advanced Calculators.

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Not a member? You can still take advantage of our great deals, low rates, free checking and mobile banking. Gulf Winds serves anyone who lives, works, worships, or attends school in Escambia, Santa Rosa, Leon, Gadsden, Wakulla or Jefferson Counties, Florida, and Escambia County, Alabama. Call us or come in to any branch and we’ll get you started.


Auto Loan Rates
Term APR Range Est. Payment/$1,000 Borrowed
36 months 2.49% - 13.74% $28.86 - $34.05
66 months 2.99% - 15.74% $16.45 - $22.74
75 months 3.49% - 17.74% $14.86 - $22.15
84 months 4.99% - 8.42% $14.13 - $15.71

Rates as of . Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant's credit history and underwriting criteria. For used vehicles, add 1% APR for any vehicle with over 75,000 miles.

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