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Routing number 267080355

Thinking About a
New Car?

START DRIVING NOW, PAY LATER!
Enjoy 90 Days Without Payments on Auto Loans!

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We make auto loans
simple, transparent and flexible.

Loan Calculators

New Cars Rates starting at 4.99%

Your Monthly Payment:

$0

Used Cars Rates starting at 5.24%

Your Monthly Payment:

$0
This calculator is provided for your convenience. Calculators are designed to be an approximation using information you provide. Such information is not part of any credit application with us. The accuracy of this calculator and its applicability to your circumstances is not guaranteed and actual results may vary. This calculator is not intended as an advertisement, a disclosure under any consumer law, an offer to make a loan, or an offer of any advice. You should obtain personal advice from qualified professionals. This calculator does not guarantee the availability of any particular product or interest rate and some of the products described in the calculator are not available through us.

Apply before you shop

You'll know precisely what you can afford and you will be in power to negotiate at the dealership.

No prepayment penalties

Want to pay off your loan early? Perfect!
We don't have prepayment penalties.

Local Branches

JetStream FCU, Miami Lakes Branch, Exterior

Miami Lakes

Royal Oaks Plaza
15420 NW 77th Court
Miami Lakes, FL 33016

Find in Google Maps
JetStream FCU, Doral Florida branch exterior

Doral

1200 NW 78 Avenue
Suite 109
Doral, FL 33126

Find in Google Maps
JetStream FCU inside Mercy Hospital. Mercy Hospital exterior

Mercy Hospital

3663 S. Miami Avenue
2nd Floor
Coconut Grove, FL 33133

More information
JetStream FCU, Puerto Rico exterior

Puerto Rico

3090 Carretera 190
Suite 101
Carolina, PR 00983

Find in Google Maps
Call Now

Up to 90 Days Until Your First Payment on Auto Loans

Take the road to savings and convenience with JetStream’s 90-Day No Payment Auto Loan Offer. Whether you're buying a new ride or refinancing your current auto loan, we’re here to help you start driving sooner without the worry of immediate payments.

How to Take Advantage of This Offer:

  • Apply Online: Submit your auto loan application until December 31, 2025.
  • Flexible Terms: Enjoy competitive rates and personalized service tailored to your financial goals.

Why Choose this program?

  • 90-Day Payment Deferral: No payments for the first 90 days! Enjoy financial flexibility while interest accrues during the deferral period.
  • Competitive Rates: Save more with great rates and terms customized just for you.
  • Personalized Support: Get guidance from a trusted team that puts your needs first.

Ready to Apply?

Don’t miss out—this exclusive offer ends December 31, 2025!


Terms & Conditions:

  1. Interest will accrue during the 90-day payment deferral period. Payments will first be applied to fees, then interest, and the remaining amount to the principal balance.
  2. Offer valid for new and used auto loans or refinances. Loans must meet credit union eligibility and creditworthiness requirements. Other restrictions may apply.

Your Options

New

Finance up to 100% with terms up to 84 months—smooth, fast, and flexible.

Used

Get competitive financing for up to 84 months and make it yours.

Lease Buyout

Take the reins permanently with our straightforward buyout financing.

Refinance

Reduce your monthly payment by refinancing—longer terms and lower interest rates may be an option.

We are leaders in providing competitive Auto Loans

As a credit union, we are able to keep our interest rates lower than most big banks and provide personal service.

Low Rates

Rates from 4.99% APR - some of the lowest in town!

Extended terms

Terms up to 84 months mean you get a lower monthly payment.

Pre-approval

Fast and easy pre-approval so you can shop with confidence.

Auto Advisor

Hate going to the dealership? Our expert Auto Advisors can locate your vehicle and negotiate the best price for you — hassle-free!

Save on Insurance

Get the right coverage at a great rate from our insurance experts. Ask us for a free quote.

Additional Discount rates

Ask us, and qualify!

Rates as Low As

  • 36 Months: 4.99%APR
  • 48 Months: 5.49% APR
  • 60 Months: 5.99% APR
  • 72 Months: 6.49% APR
  • 84 Months: 6.99% APR

Save on Auto Insurance

Save time and money and find the best quote within our insurance top of the industry partners (Progressive, Nationwide, ...) in this added service for being a JetStream member.
Get a free quote

Go Green, 
Get a Discount

All vehicles in the United States are given a score by the Environmental Protection Agency (EPA) based on their estimated greenhouse gas emissions and fuel economy. SmartWay and SmartWay Elite are designations given to the most eco-friendly automobiles.

Many non-hybrid vehicles, too, can be SmartWay certified. Check out the EPA's website at epa.gov.

Our members who drive fuel-efficient cars will receive an auto loan rate reduction of .25% APR* courtesy of JetStream Federal. Choosing a car with low emissions and high fuel efficiency benefits both you and the planet. When the vehicle meets the EPA's Smartway or Smartway Elite criteria, the interest rate on a loan to purchase or refinance the vehicle is reduced by 25%.

Do you want to buy a car hassle-free
and get a great deal?

Use our Auto Advisors service to find great auto deals in your area. Take a look here (you will be surprised)

Find Your New or Used Vehicle Deal

Ready to get a great loan on a new ride?

An auto loan at JetStream Federal Credit Union can turn your dreams into a reality without breaking the bank.

Visit a local branch or apply online to get pre-approved for your auto loan — you'll be glad you did!

Find Your Local Branch

Auto Loan
FAQs

How do I qualify for an auto loan?
To qualify for an auto loan, you'll need to meet our credit criteria, which includes a review of your credit history and income. Membership with JetStream FCU is also required.
What documents do I need to apply for an auto loan?
You'll need your driver's license, proof of income (like recent pay stubs), vehicle information (if already selected), and proof of insurance.
How long does it take to get approved for an auto loan?
Most applications are processed within 24 to 48 hours. Our streamlined approval process ensures you can quickly move forward with your vehicle purchase.
How much can I borrow for a new or used car?
We offer financing up to 100% of the sale price for new vehicles and competitive amounts for used vehicles. The loan amount you qualify for will depend on your creditworthiness and the vehicle's value.
What are the terms for auto loans?
Our auto loans come with flexible terms up to 84 months, allowing you to choose an option that best fits your budget.
Can I refinance my existing auto loan?
Yes, refinancing is available and can potentially reduce your interest rate or monthly payment. Simply apply through our website or go to any of our branches to see how much you could save.
What are the benefits of buying out my lease?
A lease buyout can be a great option if you want to keep your vehicle. We offer competitive rates and terms to make your buyout seamless and affordable.
How can I calculate how much car I can afford?
Use our online auto loan calculator to estimate your monthly payments. Input the price of the car, your down payment, the loan term, and the interest rate to see what fits into your budget.
Is there a penalty for early loan payoff?
JetStream FCU does not charge penalties for early loan payoff, allowing you to pay off your auto loan at any time without extra fees.
How do I make loan payments?
Payments can be made online, via automatic bank drafts, or at any JetStream FCU branch.