Loans
Whether you’re buying a new house or car, paying off pre-existing bills or just need a little extra cash, Central offers loans to meet all your needs!
Your time is valuable! Why waste it driving to the credit union to apply for a loan? Apply online, anywhere, anytime. Submit your application for your loan and we’ll have a decision for you within one business day.
Do you want to get a copy of your credit report? Free credit reports are available under federal law at AnnualCreditReport.com.
New/Used Auto, Boat, RV, and Motorcycle Loans
We will get you approved at a very competitive rate. Already financed with someone else? Ask about refinancing with Central. Before you make a deal somewhere else, check with your credit union first!
“Just Because” Loan
This loan will have a fixed payment for up to 60 months, We will loan you money for most any reason with our “Just Because” Loan. Repair your car, take a vacation, purchase new appliances, or consolidate other debts with a “Just Because” Loan from your credit union.
Special Purchase Loans
Finance a computer, farm equipment, off road vehicle, furniture, appliances and many more. Call us today for that special purchase you have been waiting for.
Flexible Loan
Ever missed a super deal on a sale because you didn’t have cash readily available? Simply transfer the funds that you need from your Flexible Loan to your account and never miss out on a great deal again! If you forget to make that transfer and you’ve already written your check, we’ll transfer from your Flexible Loan (up to your limit) to pay the check and won’t charge a fee for that service!
Unimproved Property Loans
Found the land for your dream home but not quite ready to build yet? Check with us about financing the start to your new beginning.
Home Equity Loans
You’ve been living in your own built in vault for years as long as you’ve been making your mortgage payments faithfully through the years. Now that the vault is packed, cash in and use some of that equity to your advantage. Add a pool, consolidate high interest debt, pay college tuition, take a once in a lifetime vacation, and much more with a Home Equity Line of Credit Loan from Central. Contact us now to learn how to crack the vault to your dreams.
Fast and Easy Home Equity Loan
- Very Minimal Closing Costs
- Fixed Rates/Terms
- Borrow up to 80% loan to value
- Approval within one day
- Possible tax deduction (consult your tax advisor)
Apply Now
Other loans are available from your credit union. Let us help you get started on building your dreams today!
Conventional Mortgage Loans
Looking for a new place to hang your hat? Let Central help with a low interest fixed or variable rate Mortgage Loan. Central can get you in a new home with a term to fit your needs. Whether you are a First Time Home Buyer or need to refinance your existing mortgage loan Central can help meet your needs. Apply now. For more details contact the loan department.
You may obtain a copy of the Visa Credit Card Agreement by e-mail or by mailing your request to:
Central Credit Union of Florida
Attention: Loan Department
P.O. Box 17048
Pensacola, FL 32522
With Central Credit Union, making purchases has become more convenient and secure than ever before!
With Verified by Visa telephone and online shopping risk can be greatly reduced. Contact the Visa Department for more information about this free service.
VISA Assistance Center 1-800-847-2911
Visa Credit Builder Program
If you want to start building your credit, we are here to help. Central offers a Visa Credit Card to individuals who are employed or enrolled as a student in a public or private school. The Visa Credit Card is a great way to get started in learning the responsibilities of credit. Starting a credit history is essential and Central is here to help in this process. There is no annual fee on your Visa Credit Card. Apply online today thru E-Branch Banking, or visit any branch location.
Whether you are looking for a convenient method of payment or a low-rate credit card, Central offers the most in VISA card services.
VISA Gold
- No Annual Fee
- 25 day grace period on purchases
- No cash advance fees
- Auto Rental Insurance
- Warranty Manager
- Travel and Emergency Assistance
- Purchase Security
Central’s Visa Gold cards now earn “extra award” points each time you make a purchase. Those points will add up and can be redeemed for cash, gift certificates, or travel awards.
Find out more at www.extraawards.com
VISA Classic
- No Annual Fee
- 25 day grace period on purchases
- No cash advance fee
- Auto Rental Insurance
Credit Life and Credit Disability protection can provide valuable financial protection when you take out your loan. Families are working harder than ever to support their standard of living. New cars, gas prices, food, special vacations, and home renovations have stretched family incomes leaving families living paycheck to paycheck. Walking a financial tightrope means families may not be thinking about the stability of their financial future. A disabling injury, illness, or unexpected death can prevent you or your spouse from having the income you are accustomed to. This can change your family’s standard of living in an instant, making financial commitments difficult to meet.
Benefits include:
- Reducing the financial burden by protecting your family, your income, your collateral, and your credit rating.
- Providing peace of mind for an unexpected illness, injury, or death.
Contact the loan department today for more details about MEMBER’S CHOICE.
Member’s Choice Auto Care (Mechanical Breakdown Coverage)
Protect your new or used car from unexpected repair bills with Mechanical Breakdown Coverage. The risk and cost of repairs will likely increase as your vehicle increases in age. Consider protecting your vehicle now to avoid paying hundreds or even thousands of dollars for mechanical and electrical repairs in the future. Contact the Loan Department for more information.
You can’t choose when your vehicle breaks down. But you can choose to lessen your financial burden and inconvenience if it does.
Auto insurance might not be enough. If you vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, your auto insurance will cover the replacement value. Nevertheless, you remain liable for payment of the difference between the insurance settlement and your loan balance. This deficiency can easily amount to thousands of dollars-money that comes out of your pocket for a vehicle that no longer exists.
GAP Protection Benefits:
- Protection for the term of your loan up to 84 months.
- Coverage for vehicles valued up to $100,000 at time of purchase.
- Payment of benefits up to $50,000.
- Coverage for auto insurance deductibles up to $1,000.00.
- Benefits for new or used vehicles, including cars, light trucks, motorcycles, and some other motorized vehicles.
Your insurance settlement may not always cover your losses. Is your vehicle adequately protected?
Central offers GREAT rates and terms on the sale of repossessed cars, trucks, and recreational vehicles. If you would like more information about any vehicle, if you have questions about financing, please call us at 474-0970 or 1-800-375-2235 ext. 3262 or ext. 3272.
To place a bid on a vehicle, click here to download the bid sheet. After filling out the appropriate information submit the bid sheet to Central Credit Union. This sale is with reserve. The Credit Union may withdraw the collateral from sale at any time for any reason.
Central can get you in a loan with a term to fit your needs. If you would like more information about any of Central’s foreclosures, if you have questions about financing, please call us at 474-0970 or 1-800-375-2235 ext. 3279, ext. 3262, or ext. 3272.
The following foreclosures are for sale to members and non-members:
Call Us: (850) 474-0970 or 1 (800) 375-2235
6200 North W Street
Pensacola, FL 32505
4964 Bayou Blvd.
Pensacola, FL 32503
9470 Fox Run Road
Pensacola, FL 32514
308 North Spring Street
Pensacola, FL 32501
637 Highway 231,
Mariner Plaza
Panama City, FL 32405
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