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 1–5 of 5 in Lake City, FL metro · median 5.39% APR
- 3.99%APRas low as
Terms
APR as low as 3.99% for 60 months. Minimum loan amount $5,000. Maximum rate 18% APR. Vehicles 2017 or newer.
Auto loan score 94 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as
Terms
New car financing up to 120% of sale price. New autos are based on the current model year and previous calendar year with less than or equal to 30,000 miles. Maximum mileage is 100,000. Rates are based on individual credit history, vehicle model year, term of the loan, and account relationship with Radiant Credit Union.
Auto loan score 86 · Carrot Score 89
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 · 1 branch
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 - 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
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 Lake City, FL metro
5 banks and credit unions · checked Oct 5–15
- Typical
- 5.39%
- Top 10% up to
- 4.31%
- Banks, typical
- 6.09%
- Credit unions, typical
- 5.09%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Lake City, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Champions First Credit UnionCredit union · 1 branch
- Radiant Credit UnionCredit union · 1 branch
- Florida Credit UnionCredit union · 1 branch