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.

Connect with an Expert at a Banking Center

Purchase or Refinance

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

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.

  • Easy application process
  • ​Expert advice from our experienced lenders
  • Online and mobile banking options to make payments at home or on the road

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

Find Your Closest Banking Center Apply Now

What's Next? Get Started.

  • Find your new ride.

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

  • Apply for Your Loan

    Call or stop by a banking center to get started

    Connect with an Expert

  • Lock in a competitive rate

    We’ll find the best rate and loan for you

  • Buy Your Ride

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

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.

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Have Questions?

Auto Loan FAQs

You must be 18 years old to qualify.

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

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.

You can apply online or by visiting any of our banking center locations.
BayFirst Home Equity Line of Credit/Consumer products are offered only to customers who maintain their primary deposit and banking relationship with BayFirst. Applicants may be required to establish or maintain qualifying deposit accounts as a condition of eligibility. All loans are subject to credit approval, underwriting standards, collateral requirements, and other applicable terms and conditions. BayFirst reserves the right to modify or discontinue this program at any time. BayFirst determines, in its sole discretion, whether an applicant maintains a primary banking relationship with the Bank. Additional restrictions and eligibility requirements may apply.