Compare Bank & Credit Union Rates
Best auto loan rates in St. Petersburg, FL
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 16–17 of 17 in St. Petersburg, FL · median 5.34% APR
- 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 7.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.25% discount for ACH payments. Qualifying RV and Watercraft loans with balances of $50,000+ ($100,000+) are subject to higher rates.
Auto loan score 61 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in St. Petersburg, FL
17 banks and credit unions · checked Oct 15–22
- Typical
- 5.34%
- Top 10% up to
- 4.89%
- Banks, typical
- 6.09%
- Credit unions, typical
- 5.15%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Tampa, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 1 branch
- Suncoast Credit UnionCredit union · 30 branches