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 16–30 of 37 in Tampa, FL metro · median 5.05% APR
- 4.99%APRas low as
Terms
Rate as low as stated.
Auto loan score 80 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 80 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR as low as 4.99%. Rate includes 0.25% APR discount for eStatements and automatic payments, and 0.25% APR discount for using Auto Advisors service. Rate not to exceed 17.99%.
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.05%APRas low as · up to 18.00%
5.05% APR, up to 18.00%
Terms
Fixed rate. Rate determined by credit history, collateral, term and loan to value. Subject to credit approval.
Auto loan score 77 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Fixed rate. Advertised 'As Low As' APR applies to terms up to 72 months. Rates vary based on term. First payment may be due up to 90 days from closing/application date.
Auto loan score 76 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - Arlington Community Federal Credit UnionNew Car Loans (Model Year 2025-2027) · up to 60 months
Credit union · 1 branch
5.14%APRas low asTerms
Minimum loan amount $10,000.
Auto loan score 75 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
APR as low as 5.15%. Maximum term up to 84 months based on various factors including amount financed. Deferred payments up to 90 days available for qualified borrowers.
Auto loan score 81 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
APR as low as 5.15%. Fixed rate. Actual rate will be based on credit history and underwriting guidelines.
Auto loan score 81 · Carrot Score 85
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 - 5.34%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 - DFCU FinancialNew Vehicle with Auto Pay from DFCU Account · up to 60 months
Credit union · 5 branches
5.34%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With Auto Pay from DFCU Account. Up to 60 months. Rate reflects 0.25% discount for auto pay.
Auto loan score 70 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.35%APRas low as
Terms
APR as low as 5.35% for terms up to 72 months. Rates vary by individual credit history and term of loan. Floor rate of 4.00% APR applies. Subject to credit approval.
Auto loan score 76 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates are based on term and individual creditworthiness, and reflect the maximum discounts available.
Auto loan score 66 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
As low as rate for terms up to 72 months on new cars. A 72-month loan with a 5.50% APR has an estimated monthly payment of $16.34 per thousand dollars borrowed. May be eligible for longer terms subject to approval at potentially higher rates.
Auto loan score 68 · Carrot Score 82
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
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