Now there’s another alternative to a conventional car loan … one that lets you drive your dream car without sky-high payments. It’s available at your credit union. It’s AutoSense.

Enjoy the benefits of a low payment vehicle loan program that combines the best features of regular auto financing with the benefits of leasing! No extra costs or restrictions that come with a lease, just the lower payments. And, you have all the flexibility that goes along with car ownership

  • Payments are lower than a conventional loan
  • Down payments not required
  • Terms from 2-6 years*
  • New or used vehicles (up to 5 years old)
  • Choose from 12,000 – 15,000 – 18,000 mileage allowance
  • Pay off, sell or trade your vehicle anytime with no prepayment penalty

If you’ve got your eye on wheels that you think may be out of your budget, check with us first to see if an AutoSense loan can get you behind the wheel.


AutoSense Quote Disclosure – (1) Rates shown are for illustrative purposes only and may vary due to individual creditworthiness. (2)Payments shown may vary from final loan payment provided by credit union loan representative.  Rates shown are for A+ credit (credit score of 730 or higher) with all available discounts and 100% LTV (Loan to Value).
Discounts include: Deluxe members (0.25%) and direct deposit or automatic payments (0.50%)

Member Rewards

Build your relationship with Miami Firefighters FCU. With our Member Rewards program the more you use your credit union for loans, checking and savings accounts, the more your credit union prospers and grows and this means more and better services and pricing for you.

* AutoSense Loan Payment Example: a 2019 sedan financed for $18,000 for a 60 month term at fixed 3.74% APR (Annual Percentage Rate) and 12k annual mileage would have 59 monthly payments of approximately $216.00 with a final balloon payment of $7,750.00 (Guaranteed Future Value). You may sell, trade, or refinance at the end of your loan term. The vehicle is yours, this is not a lease, no pre-payment penalties and your rate will NOT increase after consummation.

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