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 46–60 of 127 in Florida · median 4.99% APR
- 4.79%APRas low as
Terms
New car financing up to 120% of sale price. New autos are based on the current model year and previous calendar year with less than or equal to 30,000 miles. Maximum mileage is 100,000. Rates are based on individual credit history, vehicle model year, term of the loan, and account relationship with Radiant Credit Union.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Stated APR includes a .50% Full Direct Deposit discount. Actual rate based on creditworthiness.
Auto loan score 76 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as
Terms
Fixed APR as low as. Model Year 2025 and newer.
Auto loan score 82 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.87%APRas low as
Terms
Available for well-qualified members. Your loan rate may vary, depending on your credit score, loan term, and loan type.
Auto loan score 82 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
Rates shown are generally the lowest currently available based on creditworthiness.
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - First California Federal Credit UnionNew Auto Loans - 2023 and Newer Model Years · up to 60 months
Credit union · 1 branch
4.89%APRas low asAuto loan score 82 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
Repayment example for 48 months on a vehicle priced at $40,000 with a Guaranteed Future Value of $23,684. Terms up to 72 months available.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as rate for auto loans. Term lengths ranging from 12 to 84 months.
Auto loan score 83 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 5.75%
4.99% APR, up to 5.75%
Terms
Vehicle Year 2020-2026; Credit Rating A+ (730+)
Auto loan score 83 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Available on qualifying new and used auto purchase loans. Actual APR depends on creditworthiness, vehicle information, loan amount, and other underwriting criteria. No prepayment penalties.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Advertised as low as 4.99% APR. Available for new, pre-owned, or refinancing from another lender. All loans subject to credit approval; rate depends on creditworthiness, vehicle, term, and other factors.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Full Active Membership (FAM) promotional rate. Limited exclusively to qualifying individuals affiliated with FIU, UM, and St. Thomas University (lowest potential rate is 4.99% APR for all other eligible borrowers). Requires accounts in good standing, full direct deposit of payroll, an active checking account at UCU, and automatic loan payments from that checking account. Model-year restrictions apply to 84-month terms on used vehicles with up to 75,000 miles.
Auto loan score 83 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 8.99%
4.99% APR, up to 8.99%
Terms
Credit score tiers 720+ (4.99%), 680-719 (5.49%), 640-679 (5.99%), 600-639 (7.49%), Less than 600 (8.99%)
Auto loan score 81 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 81 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate as low as stated.
Auto loan score 80 · 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