Bank · FDIC insured
Seacoast Bank Auto Loan Rates
Seacoast Bank auto loans start at 6.09% APR for a new vehicle and 6.09% for a used one. Rates checked October 15, 2026.
How Seacoast Bank’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where Seacoast Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Seacoast Bank
6.09%APR
- Terms
- 12–75 months
- Up to
- —
- Discount
- Included in the rate
Auto Loan
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Seacoast Bank auto loan score
64
Auto loan score
Higher than 11% of U.S. banks and credit unions
- New vehicleNew6.09%
- Used vehicleUsed6.09%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Seacoast Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Available across Florida and Georgia for new, used, and private-party vehicle purchases. Terms range from 12 to 75 months. Financing up to 90% of vehicle's MSRP (new) or NADA Average Trade-In Value (used vehicles 2023-2025). Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 12–75 months | 6.09% | Rates as low as 6.09% APR. Requires minimum credit score of 780 and automatic payments from a Seacoast Bank deposit account. Example: $30,000 loan for 60 months at 6.087% APR results in monthly payment of $581.20 plus a one-time $250 processing fee. Maximum APR is 18%. Valid for terms 12 to 75 months. Additional third-party closing fees may apply for state-required doc stamps and recording fees. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.