You’re in the Fast Lane to Your Next Car Loan.

Ready to hit the road with a new or used car loan or refinance one you already have? We’re here to help you unlock the right loan.1

Apply Now

Purchase or Refinance

Whether you’re buying a new or used car, or refinancing your current auto loan—we’re here to help you save.

Flexible Terms & Rates

With terms up to 84 months and competitve rates, we make it easy to finance your next ride on your terms.

First Car? No Problem.

 Our My First Ride program is built specifically for new drivers and first-time car buyers.

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See Where The Right Loan Can Take You

BayFirst is Here for What’s Next® when it comes to navigating your next car loan or refinance.

Auto loans geared to fit your needs.

  • Competitive rates
  • ​Flexible terms
  • Up to 100% financing and no down payment options available

Expect a smooth ride

  • Online application process
  • Data and privacy secured
  • ​Expert advice from our experience lenders
  • Online and mobile banking options to make payments at home or on the roaderms
  • Up to 100% financing and no down payment options available

Have questions? We’ll steer you in the right direction.

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What’s Next? Get Started.

Find your new vehicle

Once you’ve found your next set of wheels, we can help with what’s next.

Apply

Apply online or in a banking center. Approval is fast and your 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.

Explore our Lending Footprint

Ready to hit the road? 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

Apply For Your Loan.

Apply for your auto loan in three easy steps, online or in person. A BayFirst team member will reach out with any questions.

Gather Your Information

You’ll need your social security number and a valid ID (such as a driver’s license or other government issued ID), plus the purchase price of the vehicle you’re buying and any trade information you have.

Complete Our Application

Apply by providing your name, address, social security number, driver’s ID number, contact information and some financial information, including proof of income.

Receive Your Financing

Once your loan is approved and funded, you’ll be able to create a BayFirst account to manage your loan and receive loan details for your records.

My First Ride Program

Buying your first car? We’ll fuel your journey.

Our My First Ride program is designed to help first-time car buyers step into ownership with ease. With simplified requirements and local support, we’ll get you behind the wheel of your first car in no time.

Learn MOre

Auto Loan FAQs

How old do I need to be to qualify for an auto loan?

You must be 18 years old to qualify.

Do you offer other vehicle loans?

Yes, BayFirst offers loans for RVs, motorcycles, golf carts and more. Explore all our options here.

Do you offer loans for business vehicles?

Yes, in some cases, you can use a Small Business Administration (SBA) loan to secure working capital for purchasing a car for your business. The right loan for you will depend on your specific business needs, and our lenders are here to help you find the best option.

How do I apply?

You can apply online or by visiting any of our banking center locations.

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.