ACH Payment Changes: New electronic payment processing regulations will take place on Friday, September 15th. Transactions that are processed through the ACH (Automated Clearing House) could post to your account on the same day the merchant initiates the payment. If you have questions regarding any scheduled, recurring or automatic payments you have with a merchant, you will need to contact them to ask if they will be submitting your payments as Same Day debits. This will not affect any payments set up with Gulf Winds’ Bill Pay Service.
Shopping for a car? Check our rates first.
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.
Three options to get started: Apply online, call today…
Call today or leave your information below and one of our auto loan professionals will call you back.
…or leave your information below and one of our auto loan professionals will call you back.
Looking for a new or used vehicle? Save time and money through the Gulf Winds Car Buying Service powered by TRUECar.
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.
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.
|Term||APR Range||Est. Payment/$1,000 Borrowed|
|36 months||2.24% - 13.24%||$28.75 - $33.81|
|66 months||2.74% - 15.24%||$16.34 - $22.47|
|75 months||3.24% - 17.24%||$14.75 - $21.87|
|84 months||4.74% - 5.74%||$14.01 - $14.48|
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.