Compare Bank & Credit Union Rates
Best auto loan rates in Florida
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 16–30 of 127 in Florida · median 4.99% APR
- 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.38%APRas low as
Terms
Fixed rate
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year: New Auto 2025 & Newer. Rates shown include a 0.25% Relationship Discount for qualified borrowers.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.40%APRas low as
Terms
As low as APR based on credit evaluation.
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.44%APRas low as
Terms
Applies to New Vehicles only. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating.
Auto loan score 88 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit.
Auto loan score 89 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Payment per $1,000 borrowed is $18.64. Assumes automatic payment from MMFCU account (add 0.25% if paying manually).
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Mayo Employees Federal Credit UnionNew Auto (Current Model Year or Newer) · up to 60 months
Credit union · 1 branch
4.49%APRas low asTerms
Actual rate is based on applicant's credit history.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 16.99%
4.49% APR, up to 16.99%
Terms
Rates and terms are based on individual credit worthiness, qualifications, collateral age, and conditions.
Auto loan score 89 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes rate discounts for ACH payments, protection coverage (CL and CD) and/or Loan to Value (LTV) up to 0.75% off standard rate. Rate based on creditworthiness.
Auto loan score 87 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Auto loan score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
New Vehicle APR as low as 4.50%. Call for Details.
Auto loan score 85 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Orlando Credit UnionNew Auto Loans - Model Year 2025 and newer · up to 60 months
Credit union · 7 branches
4.55%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR as low as stated. APR includes Local Heroes Program Discount (0.50% discount). Individual rates determined by credit score, credit history, promotional discounts and loan term.
Auto loan score 77 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR as low as 4.60% for New Automobile. Rate includes up to 0.50% in discounts (0.10% autopay, 0.15% direct deposit, 0.25% Auto Advisors). Fixed rate.
Auto loan score 82 · Carrot Score 81
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 Florida
127 banks and credit unions · checked Oct 15–22
- Typical
- 4.99%
- Top 10% up to
- 4.09%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Florida
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 9 branches
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 4 branches