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 91–105 of 127 in Florida · median 4.99% APR
- 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - DFCU FinancialNew Vehicle with Auto Pay from DFCU Account · up to 60 months
Credit union · 9 branches
5.34%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With Auto Pay from DFCU Account. Up to 60 months. Rate reflects 0.25% discount for auto pay.
Auto loan score 70 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.35%APRas low as
Terms
APR as low as 5.35% for terms up to 72 months. Rates vary by individual credit history and term of loan. Floor rate of 4.00% APR applies. Subject to credit approval.
Auto loan score 76 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Payment example per $1,000 borrowed: $19.09.
Auto loan score 72 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Auto loan score 71 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Florida Credit UnionAuto/Truck Rates (Model 2025 and newer) · up to 60 months
Credit union · 13 branches
5.39%APRas low asTerms
Rate as low as 5.290%, APR as low as 5.393% for 60-month term. Model 2025 and newer.
Auto loan score 75 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.40%APRas low as
Terms
Disclosed APR for well-qualified borrowers and a term of up to 84 months. Payment example: $20,000 loan at 5.40% APR; 84 monthly payments of approximately $286.45.
Auto loan score 72 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Community Credit Union of FloridaAuto Loans - Model Years, 2024 - 2027 · up to 60 months
Credit union · 8 branches
5.49%APRas low asTerms
Up to 125% Financing; Cost per $1,000 Borrowed: $19.10. Individual rates determined by credit score and credit history.
Auto loan score 73 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 13.34%
5.49% APR, up to 13.34%
Terms
Rates as of 10/15/2026. Applicable to new, used, and refinanced auto loans. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria. Monthly payments per $1,000 for up to 24 months at 4.99% APR is $44.23. Pre-qualification offers are good for up to 30 days.
Auto loan score 73 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 16.50%
5.49% APR, up to 16.50%
Terms
Daily Periodic Rate: 0.015041% - 0.045205%.
Auto loan score 71 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates are based on term and individual creditworthiness, and reflect the maximum discounts available.
Auto loan score 66 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Starting at rate; includes 0.50% discount for direct deposit and automatic loan payment from AHCU checking.
Auto loan score 65 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
As low as rate for terms up to 72 months on new cars. A 72-month loan with a 5.50% APR has an estimated monthly payment of $16.34 per thousand dollars borrowed. May be eligible for longer terms subject to approval at potentially higher rates.
Auto loan score 68 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - Memorial Employees Financial Credit UnionAuto Loans (with 10% Down Payment) · up to 72 months
Credit union · 6 branches
5.50%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model/Year 2023-2026. Rate includes 0.25% discount for auto payroll deduction.
Auto loan score 68 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.51%APRas low as
Terms
Rates as low as. Based on vehicle/vessel year, underwriting, and/or amount borrowed.
Auto loan score 68 · 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