Credit union · NCUA insured
We Florida Financial Auto Loan Rates
We Florida Financial auto loans start at 5.25% APR for a new vehicle and 5.25% for a used one. Rates checked October 15, 2026.
How We Florida Financial’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where We Florida Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
We Florida Financial
5.25%APR
- Terms
- 49–78 months
- Up to
- —
New Auto
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
We Florida Financial auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where We Florida Financial ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto
Rates quoted are for a well-qualified borrower. Terms vary based on collateral, loan amount, and creditworthiness. Loans will not be financed below floor rate of 4.69% as of 10/6/2026. Finances up to 100% of the MSRP of a new, untitled motor vehicle.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 4.69% | Rate is as low as 4.69% for well-qualified borrowers. |
| 49–78 months | 5.25% | Rate is as low as 5.25% for well-qualified borrowers. Payment example: Estimated monthly payment on a 78-month auto loan at 5.25% APR = $14.67 per 1,000 borrowed. |
Sources (2)
All captured Oct 15, 2026
New Motorcycle
Rates and terms are subject to change without notice. Terms vary based on collateral, loan amount, and creditworthiness. Payment Example: Estimated monthly payments on a 60-month motorcycle loan at 6.49% = $19.56 per $1,000 borrowed.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.49% | Rate is as low as 6.49%. Up to 60 months. Payment Example: Estimated monthly payments on a 60-month motorcycle loan at 6.49% = $19.56 per $1,000 borrowed. |
Sources (2)
All captured Oct 15, 2026
Used Auto
Rates quoted are for a well-qualified borrower. Terms vary based on collateral, loan amount, and creditworthiness. Loans will not be financed below floor rate of 4.69% as of 10/6/2026. Finances up to 100% of the J.D. Power retail value of a previously-titled motor vehicle.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 4.69% | Rate is as low as 4.69% for well-qualified borrowers. |
| 49–78 months | 5.25% | Rate is as low as 5.25% for well-qualified borrowers. |
Sources (2)
All captured Oct 15, 2026
Used Auto - Older or 100k+ Miles
Applies to auto with over 100,000 miles or a 2017 model year vehicle or older. Rates quoted are for a well-qualified borrower. Terms vary based on collateral, loan amount, and creditworthiness. Loans will not be financed below floor rate of 4.69% as of 10/6/2026.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 9.99% | Up to 36 months. Rate is as low as 9.99% for well-qualified borrowers. Applies to auto with over 100,000 miles or a 2017 model year vehicle or older. |
Sources (1)
- wefloridafinancial.com/about-us/rates · captured Oct 15, 2026
Used Motorcycle
Rates and terms are subject to change without notice. Terms vary based on collateral, loan amount, and creditworthiness. Payment Example: Estimated monthly payments on a 60-month motorcycle loan at 6.74% = $19.68 per $1,000 borrowed.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.74% | Rate is as low as 6.74%. Up to 60 months. Payment Example: Estimated monthly payments on a 60-month motorcycle loan at 6.74% = $19.68 per $1,000 borrowed. |
Sources (2)
All captured Oct 15, 2026
Who can join We Florida Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works part- or full-time in one of 46 specified Florida counties is eligible to join.
Family and household
- Individuals living elsewhere can join if they have a relative who lives or works in any of the 46 eligible Florida counties and opens an account.
Cost to join
- A minimum deposit and balance of $5 is required to open a Member Savings account.
Membership information collected October 5, 2026.