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 61–75 of 127 in Florida · median 4.99% APR
- RadiFi Credit UnionNew Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles) · 49–66 months
Credit union · 8 branches
4.99%APRas low asAuto loan score 80 · Carrot Score 87
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 as
Terms
Up to 100% financing (Current Year or Previous with Less Than 15k Miles)
Auto loan score 80 · Carrot Score 83
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 - 4.99%APRas low as
Terms
Credit score 715+. Lowest available APR.
Auto loan score 78 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
(2025-2026 under 36,000 miles). Extended Terms Available. Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
Auto loan score 73 · Carrot Score 83
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
Minimum loan amount $10,001 on loans with a term of more than 48 months. Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $19.00 per $1,000 borrowed.
Auto loan score 71 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - Velocity Community Credit UnionNew Car, Truck, SUV, or Van · up to 60 months
Credit union · 3 branches
5.00%APRas low as · up to 16.50%5.00% APR, up to 16.50%
Auto loan score 78 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Platinum Star Membership (PSM) pricing for Electric Vehicle (EV) Loan.
Auto loan score 77 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - Hialeah Municipal Employees Federal Credit UnionVehicle Loans · up to 60 months
Credit union · 1 branch
5.00%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Borrow up to $100,000; rates reflect maximum discounts available and are based on creditworthiness.
Auto loan score 77 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount.
Auto loan score 73 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
Auto loan score 71 · Carrot Score 64
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
Rates start as low as 5.09% APR. Up to 100% financing dependent on vehicle type and creditworthiness. Additional .10% off qualifying loan rates when payments are made by direct deposit, ACH or automatic transfer.
Auto loan score 77 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
New vehicles (model years 2025-present). As low as APR.
Auto loan score 76 · Carrot Score 77
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 Florida
127 banks and credit unions · checked Oct 15–22
- Typical
- 4.99%
- Top 10% up to
- 4.09%
- Banks, typical
- 6.24%
- 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.
Florida
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 9 branches
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 4 branches