The Right Loan for Your Next Ride

From new wheels to outdoor thrills, we offer more than just auto loans. Discover easy financing for your car, boat, RV, or ATV—all with competitive rates and quick approvals.


Start your next adventure today with a loan that keeps up with your plans. Get Started.

Apply now Explore Loans

Find Your Next Vehicle Loan.

Auto Loans

From purchasing a new car to refinancing an existing, we've got you covered.

Boats & Personal Watercraft Loans

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

Recreational Vehicle Loans

Your RV adventure awaits. Let us help you get where you’re going.

Motorcycle, ATV, & Golf Cart Loans

Ready to hit the open road on a motorcycle, ATV or golf cart? We can help get you there.

Our Lending Footprint

Ready to hit the road, set sail, or explore off the beaten path? Explore the counties below to see where our vehicle loan products are available.

Counties We Proudly 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

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

  • Apply

    Easily apply online or in a banking center. Approval is fast and your funds are often available the same day.

  • Lock in a competitive rate

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

  • Finalize the paperwork

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

    Apply

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

You must be 18 years old to qualify.

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.

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.

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.