An open road with a shady tree canopy over it.

The Right Loan for Your Next Ride

From the open road to open water, we finance more than just cars. Get fast, flexible loans for your boat, RV, ATV, and more. Then go wherever life takes you.

Start your next adventure with a loan that puts you in the driver’s seat.1

Apply Now
Explore Loans

We’re Here To Fuel Your Next Move.

Auto Loans

With loans for new or used cars, plus refinancing options, getting on the road has never been easier.

Learn More

Boats & Personal Watercraft Loans

Living in Florida means boating year-round. We can help you get out on the water.

Learn More

Recreational Vehicle Loans

Ready to hit the open road? Our RV loans can get you where you’re going.

Learn More

Motorcycle, ATV, & Golf Cart Loans

Get on the road to adventure with a motorcycle, ATV or golf cart loan.

Learn More

Our Lending Footprint

Ready to take the wheel, set sail, or explore off the beaten path? Your next ride is covered in every county we serve:

  • Charlotte
  • Lee
  • Citrus
  • Manatee
  • Collier
  • Orange
  • Desoto
  • Osceola
  • Hardee
  • Pasco
  • Hernando
  • Pinellas
  • Highlands
  • Polk
  • Hillsborough
  • Sarasota
  • Lake Sumter

What’s Next? Get Started.

Find your new vehicle

Once you’ve found your next ride, we can help with what’s next.

Apply

Apply online or in a banking center. Approval is fast, and funds are often available the same day.

Apply

Lock in a competitive rate

We’ll find the best rate and loan for your budget.

Finalize the paperwork

Just sign, take the keys, and enjoy the ride.

Why BayFirst?

At BayFirst, we’re Here for What’s Next®, whether that’s your next car, boat, or golf cart. And we want to make sure you’re not only getting the best loan possible, but the best rate on top of it. Our lenders will work with you to customize your loan options quickly and get you out on the road, water or golf course without any detours.

Learn MOre

Vehicle Loan FAQs

How old do I need to be to qualify for a vehicle loan?

You must be 18 years old to qualify.

What types of vehicle loans does BayFirst offer?

We offer financing for a wide range of vehicles—including auto loans for new and used cars, as well as loans for RVs, boats, personal watercraft, ATVs, and golf carts. Whether you’re commuting, cruising, or camping, we have a loan for your lifestyle.

How do I know which vehicle loan is right for me?

Each of our loan options is tailored to the type of vehicle you’re purchasing. If you’re unsure where to start, you can explore our dedicated pages for auto, RV, boat, and off-road vehicle loans—or speak with a local lending expert who can help match you with the right solution.

Can I apply for any type of vehicle loan online?

Yes! You can start your application online for most of our vehicle loans. Whether you’re buying a car, RV, boat, or ATV, our quick and secure process makes it easy to apply from anywhere.

1 Effective April, 1, 2025, in order to obtain a home equity, personal, or auto loan, a BayFirst checking, savings, or money market account is required with minimum balance of 5% of the loan amount or $5,000, whichever is less. The account may be funded by net proceeds from home equity loans. All loans subject to approval, including credit approval. Income and credit restrictions may apply. Programs subject to change or terminate without notice.