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 1–9 of 9 in Pensacola, FL · median 5.23% APR
- 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 - 4.49%APRas low as · up to 16.99%
4.49% APR, up to 16.99%
Terms
Rates and terms are based on individual credit worthiness, qualifications, collateral age, and conditions.
Auto loan score 89 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 17.97%
4.74% APR, up to 17.97%
Terms
Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle.
Auto loan score 85 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 17.49%
4.74% APR, up to 17.49%
Terms
Rates vary based on evaluation of applicant's credit and loan term. Offers no payment for up to 90 days.
Auto loan score 85 · Carrot Score 88
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 - 5.49%APRas low as · up to 13.34%
5.49% APR, up to 13.34%
Terms
Rates as of 10/15/2026. Applicable to new, used, and refinanced auto loans. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria. Monthly payments per $1,000 for up to 24 months at 4.99% APR is $44.23. Pre-qualification offers are good for up to 30 days.
Auto loan score 73 · Carrot Score 85
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 - 5.99%APRas low as
Auto loan score 66 · Carrot Score 70
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 Pensacola, FL
9 banks and credit unions · checked Oct 15–22
- Typical
- 5.23%
- Top 10% up to
- 4.45%
- Banks, typical
- 5.34%
- Credit unions, typical
- 4.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Pensacola, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United BankBank · 3 branches
- Champions First Credit UnionCredit union · 1 branch
- Eglin Federal Credit UnionCredit union · 2 branches