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 76–90 of 127 in Florida · median 4.99% APR
- 5.09%APRas low as
Terms
Fixed rate type. Financing up to 125%. Rates subject to change, based on credit worthiness. Certain restrictions may apply.
Auto loan score 76 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Fixed rate. Advertised 'As Low As' APR applies to terms up to 72 months. Rates vary based on term. First payment may be due up to 90 days from closing/application date.
Auto loan score 76 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - Arlington Community Federal Credit UnionNew Car Loans (Model Year 2025-2027) · up to 60 months
Credit union · 1 branch
5.14%APRas low asTerms
Minimum loan amount $10,000.
Auto loan score 75 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
APR as low as 5.15%. Maximum term up to 84 months based on various factors including amount financed. Deferred payments up to 90 days available for qualified borrowers.
Auto loan score 81 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
APR as low as 5.15%. Fixed rate. Actual rate will be based on credit history and underwriting guidelines.
Auto loan score 81 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - Community First Credit Union of FloridaNew Auto | 2025 and Newer · 55–70 months
Credit union · 27 branches
5.15%APRas low asAuto loan score 76 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.20%APRas low as
Terms
60 months at 5.200% (5.200% APR) for a $30,000 loan would result in a monthly payment of $568.89.
Auto loan score 75 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rates as low as
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Minimum loan amount required. Other conditions may apply.
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 16.25%
5.24% APR, up to 16.25%
Auto loan score 75 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a discount of -0.50% APR for automatic payment transfer. Additional discounts available: -0.25% APR for CCU Extended Warranty, -0.25% APR for CCU GAP Insurance. Floor rate of 4.49% APR applies.
Auto loan score 70 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
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.
Auto loan score 77 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - Ukrainian Federal Credit UnionNew Auto Loan (vehicle year 2025 - 2026) · up to 60 months
Credit union · 1 branch
5.25%APRas low as · up to 6.25%with conditions5.25% APR, up to 6.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 5 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit.
Auto loan score 73 · Carrot Score 89
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