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 1–12 of 12 in Port St. Lucie, FL metro · median 5.29% APR
- 4.24%APRas low as · up to 14.99%
4.24% APR, up to 14.99%
Terms
Newer - 5 recent model years.
Auto loan score 91 · Carrot Score 92
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
Includes rate discounts for ACH payments, protection coverage (CL and CD) and/or Loan to Value (LTV) up to 0.75% off standard rate. Rate based on creditworthiness.
Auto loan score 87 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Community First Credit Union of FloridaNew Auto | 2025 and Newer · 55–70 months
Credit union · 1 branch
5.15%APRas low asAuto loan score 76 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 16.25%
5.24% APR, up to 16.25%
Auto loan score 75 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a discount of -0.50% APR for automatic payment transfer. Additional discounts available: -0.25% APR for CCU Extended Warranty, -0.25% APR for CCU GAP Insurance. Floor rate of 4.49% APR applies.
Auto loan score 70 · Carrot Score 89
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 - 5.64%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 - 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 - 6.39%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 Port St. Lucie, FL metro
12 banks and credit unions · checked Oct 15–22
- Typical
- 5.29%
- Top 10% up to
- 4.56%
- Banks, typical
- 5.86%
- Credit unions, typical
- 5.20%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Port St. Lucie, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Gold Coast Federal Credit UnionCredit union · 1 branch
- Connect Credit UnionCredit union · 1 branch
- Flagstar BankBank · 1 branch