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 106–120 of 127 in Florida · median 4.99% APR
- 5.64%APRas low as
Terms
Applicable to 2025 and newer autos. Repayment terms up to 72 months. Minimum rate reflects best credit tier; rates are based on credit score and subject to change.
Auto loan score 71 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.65%APRas low as
Terms
Secured loans 72-83 months require a loan amount minimum of $15k.
Auto loan score 68 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
$25,000 minimum loan amount; new vehicles only. Rate based on creditworthiness. Daily periodic rate is 0.01573%.
Auto loan score 85 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates shown are for well qualified borrowers. Actual rates may vary based on credit history, loan purpose, amount, loan-to-value, term, and vehicle year. Includes a 0.25% discount for borrowers who set up Auto Pay at loan closing and finance a 2019 or newer vehicle with a term of 66 months or less. Auto pay is optional.
Auto loan score 66 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
As low as rate based on creditworthiness. Members who purchase through Auto Assistance get 0.50% off qualifying rate.
Auto loan score 66 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Auto loan score 66 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - Space Coast Credit UnionAuto Financing at the Dealership · up to 66 months
Credit union · 69 branches
5.99%APRas low asTerms
Payment per $1,000 is $17.83. Fixed APR 'as low as' for model years 2024 and newer (or 2026 and newer per general disclosures). Minimum loan amount $10,000.
Auto loan score 66 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Direct deposit, auto pay, credit worthiness and other applicable credit union requirements. Amount financed 100%.
Auto loan score 65 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Auto loan score 63 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 6.09%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR. Requires minimum credit score of 780 and automatic payments from a Seacoast Bank deposit account. Example: $30,000 loan for 60 months at 6.087% APR results in monthly payment of $581.20 plus a one-time $250 processing fee. Maximum APR is 18%. Valid for terms 12 to 75 months. Additional third-party closing fees may apply for state-required doc stamps and recording fees.
Auto loan score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as · up to 16.49%with conditions
6.24% APR, up to 16.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate includes automatic payment and electronic document discount.
Auto loan score 63 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
New vehicles. Starting at 6.25% APR for terms up to 72 months.
Auto loan score 62 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
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