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Rates As Low As 3.39 % APR

New • Used • Refinance


Days No Payments

Flexible Financing Options

Get the best rates in town and flexible terms on your new, used or refinance auto loan.

Auto Loan Features:

  • No Payments for 90 Days
  • Low Rates
  • Flexible Repayment Options
  • Simple Loan Application
  • Pre-Approved Rate and Term Good for 30 Days

Protection Trifecta

You’re strong and secure when you bundle Gulf Winds’ Extended Warranty, Guaranteed Asset Protection (GAP) and Credit Life & Credit Disability on your auto loan. Ask your Loan Specialist how you can be protected.

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Sat 8AM–2PM Central Time

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Term in Months

Monthly Payment


Interest Rate

3.49% APR

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.

Auto Loan Rates

Term APR Range Est. Payment/$1,000 Borrowed
36 months 3.39% - 13.99% $29.25 - $34.20
66 months 3.54% - 15.99% $16.70 - $22.90
75 months 4.04% - 17.99% $15.11 - $22.32
84 months 5.04% - 7.84% $14.15 - $15.51

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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Not a Member? Not a Problem!

You can still take advantage of our great deals, low rates, free checking and mobile banking. Full details on Gulf Winds membership.

Map of Gulf Winds Counties and Branches

Membership is open to anyone who lives, works, worships, or attends school in the following counties:

Escambia, Santa Rosa, Okaloosa, Walton, Holmes, Washington, Bay, Jackson, Calhoun, Gulf, Gadsden, Liberty, Franklin, Leon, Wakulla, Jefferson, Madison, Taylor, Hamilton, Suwannee, Lafayette, Dixie, Columbia and Gilchrist Counties

Escambia, Baldwin, Mobile, Washington, Clarke, Monroe, Conecuh, Covington, Butler, Crenshaw, Coffee, Geneva, Dale, Houston and Henry Counties

Brooks, Colquitt, Decatur, Echols, Grady, Lowndes, Seminole, and Thomas Counties

Plus businesses and other legal entities located in these counties, and anyone who is an immediate family member of a current member.