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 31–45 of 127 in Florida · median 4.99% APR
- 4.64%APRas low as
Terms
New vehicles. Rate discounts available for down payment, service contracts, direct deposit, or refinancing.
Auto loan score 86 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
New auto loan. Rates as low as 4.69% APR. Terms shown are the maximum allowed; rates quoted may be for shorter terms. Rates and terms based on individual creditworthiness.
Auto loan score 86 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates 'as low as' and subject to change without notice. Rates quoted include auto transfer of payments, active checking account, 20% down payment and competitive rate adjustment. Rates you pay will be based on credit history, year of vehicle and mileage.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
New* & Used** (2025-2026). Financing up to 100%. New is considered to be within 1 year and under 10,000 miles; Used is considered to be between 1 & 7 years old and under 125,000 miles.
Auto loan score 85 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
New or Used Automobiles Up to 15 Years Old.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rate shown for new or up to four years old auto or motorcycle, up to 60 months. Lowest current rate listed based on credit, collateral, and loan term.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rate based on creditworthiness and term of loan. Financing up to 120% LTV.
Auto loan score 87 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 17.97%
4.74% APR, up to 17.97%
Terms
Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle.
Auto loan score 85 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Estimated monthly payment of $18.75 per $1,000.
Auto loan score 85 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 17.49%
4.74% APR, up to 17.49%
Terms
Rates vary based on evaluation of applicant's credit and loan term. Offers no payment for up to 90 days.
Auto loan score 85 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Reflects a 0.25% discount for automatic payment or payroll deduction from a PriorityONE CU of Florida account; APR increases by 0.25% without automatic payment. Subject to credit union loan policies, term, and credit score.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only.
Auto loan score 80 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Auto loan score 87 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
With 700 Credit Score or above. Term 5 Year.
Auto loan score 82 · Carrot Score 90
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