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 1–10 of 10 in Florence, AL metro · median 5.25% APR
- 5.00%APRas low as
Terms
New/Used (Current yr - 3 yrs old) 2026-2023
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
New (Current year)
Auto loan score 74 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Model Year 2026 – 2023
Auto loan score 77 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - Lauderdale County Teachers Credit UnionNEW (Under 10,000 miles) · up to 60 months
Credit union · 1 branch
5.25%APRas low asTerms
Credit score of 600+. Under 10,000 miles.
Auto loan score 77 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - TVA Community Credit UnionAuto Loans – New & Used (Current year model and 3 previous years) · up to 60 months
Credit union · 8 branches
5.25%APRas low asTerms
Best available rate as low as; rate varies by credit and payment terms. For current year model and 3 previous years.
Auto loan score 76 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 7.75%
5.25% APR, up to 7.75%
Terms
Repayment amount is $20.00 per month based on $1,000 borrowed.
Auto loan score 72 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as
Terms
Rates as low as 5.34% APR. Loan example: $30,000.00 at 5.34 APR for 60 months = $570.85 per month.
Auto loan score 76 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 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 - 5.99%APRas low as
Terms
New Auto and Previous 3 Years and Up - Less than 30,000 miles. APR as low as. Relationship discount up to 1.00% available but discounted rate will not be reduced below 6.00% APR.
Auto loan score 64 · Carrot Score 87
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
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 Florence, AL metro
10 banks and credit unions · checked Oct 16–22
- Typical
- 5.25%
- Top 10% up to
- 5.00%
- Banks, typical
- 5.79%
- Credit unions, typical
- 5.25%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Florence, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Listerhill Credit UnionCredit union · 9 branches