Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 1–15 of 37 in Tampa, FL metro · median 5.05% APR
- 3.99%APRas low as
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.38%APRas low as
Terms
Fixed rate
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.44%APRas low as
Terms
Applies to New Vehicles only. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating.
Auto loan score 88 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Payment per $1,000 borrowed is $18.64. Assumes automatic payment from MMFCU account (add 0.25% if paying manually).
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR as low as 4.60% for New Automobile. Rate includes up to 0.50% in discounts (0.10% autopay, 0.15% direct deposit, 0.25% Auto Advisors). Fixed rate.
Auto loan score 82 · Carrot Score 81
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 - 4.75%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 - 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 - 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 - 4.99%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
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
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 Tampa, FL metro
37 banks and credit unions · checked Oct 15–22
- Typical
- 5.05%
- Top 10% up to
- 4.47%
- Banks, typical
- 5.86%
- 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.
Tampa, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 1 branch
- Suncoast Credit UnionCredit union · 30 branches