Florida Best Auto Loan Rates - August 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Florida. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Florida include Tyndall Federal Credit UnionTyndall Federal Credit Union1601 Ohio Ave, Lynn Haven, FL, 32444 3746A+5.0 ★Texas Ratio: 0.74% offering New Auto/Truck at 3.24%, Memorial Employees Financial Credit UnionMemorial Employees Financial Credit Union3501 Johnson St, Hollywood, FL, 33021 5421A+5.0 ★Texas Ratio: 1.77% offering Auto Loans (with 10% Down Payment) 2019-2026 at 3.24%, Keys Federal Credit UnionKeys Federal Credit Union514 Southard St, Key West, FL, 33040A5.0 ★Texas Ratio: 10.34% offering New & Used Vehicle Loans at 3.25%, Miami Federal Credit UnionMiami Federal Credit Union51 SW 1st Ave Ste 604, Miami, FL, 33130 1611A+5.0 ★Texas Ratio: 2.19% offering New Auto at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Florida side-by-side. Florida auto loan rates currently start as low as 3.24% APR from Tyndall Federal Credit Union at 1601 Ohio Ave, Lynn Haven, FL, 32444 3746. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Florida. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Florida
Florida Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
1601 Ohio Ave, Lynn Haven, FL, 32444 3746
New Auto/Truck
3.24%
36 Months
▼
APR3.24%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
1601 Ohio Ave, Lynn Haven, FL, 32444 3746
Used Auto/Truck
3.24%
36 Months
▼
APR3.24%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) 2019-2026
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
As Low As; 10% Down Payment
Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
514 Southard St, Key West, FL, 33040
New & Used Vehicle Loans
3.25%
up to 84 months
▼
APR3.25%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
Finance up to 125% MSRP (new vehicles) or NADA (used vehicles)2; No prepayment penalties; Refinance existing Auto Loans for cash out or lower payments; Take a pre-approved loan to the dealer when you shop; Keys FCU is an ITIN-approved lender!
Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
New Auto
3.25%
24 Months
▼
APR3.25%
Term24 Months
Last UpdatedAug 28, 2026
Details
up to 100% financing
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedAug 28, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1825 S Jefferson St, Perry, FL, 32348 5614
New & Used Auto
3.39%
up to 24 Months
▼
APR3.39%
Termup to 24 Months
Last UpdatedAug 28, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
103 S Tyndall Pkwy, Panama City, FL, 32404 6722
New Auto
3.49%
Up to 84
▼
APR3.49%
TermUp to 84
Last UpdatedAug 28, 2026
Details
Months
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL, 33122 1824
New Automobile
3.49%
24-84 Months
▼
APR3.49%
Term24-84 Months
Last UpdatedAug 28, 2026
Details
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
PowerNet Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
5619 Harney Rd, Tampa, FL, 33610
New & Used Auto
3.49%
up to 72 months
▼
APR3.49%
Termup to 72 months
Last UpdatedAug 28, 2026
Details
See Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL, 33021 5421
Vehicle Loan (2019-2026)
3.49%
24 Months
▼
APR3.49%
Term24 Months
Last UpdatedAug 28, 2026
Details
0% Down Payment
EMERALD COAST
Institution Rating:
A+5.0 ★ Texas Ratio: 9.99%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
New Vehicles (2025 and Newer) Loan
3.49%
36-month
▼
APR3.49%
Term36-month
Last UpdatedAug 28, 2026
Details
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
3.50%
12-36 months
▼
APR3.50%
Term12-36 months
Last UpdatedAug 28, 2026
Details
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
3.50%
12-36 months
▼
APR3.50%
Term12-36 months
Last UpdatedAug 28, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - New
3.59%
36 Months
▼
APR3.59%
Term36 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
3.59%
36 Months
▼
APR3.59%
Term36 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL, 33122 1824
Used Automobile
3.74%
24-84 Months
▼
APR3.74%
Term24-84 Months
Last UpdatedAug 28, 2026
Details
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) 2019 & older
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; 10% Down Payment
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) 2020-2026
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; 10% Down Payment
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL, 33607
Vehicle Loans - 36 Month Term
3.75%
36 Month Term
▼
APR3.75%
Term36 Month Term
Last UpdatedAug 28, 2026
Details
As low as with Relationship Rewards
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - New
3.84%
48 Months
▼
APR3.84%
Term48 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
3.84%
48 Months
▼
APR3.84%
Term48 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedAug 28, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
103 S Tyndall Pkwy, Panama City, FL, 32404 6722
Used Auto
3.99%
Up to 84
▼
APR3.99%
TermUp to 84
Last UpdatedAug 28, 2026
Details
Months
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
1225 Millennium Pkwy, Brandon, FL, 33511
New Automobile
3.99%
up to 84 Months
▼
APR3.99%
Termup to 84 Months
Last UpdatedAug 28, 2026
Details
New Automobile (2025 & newer)
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2718 Martin Luther King Jr Blvd, Panama City, FL, 32405 4408
New & Used Autos
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As; (Autos up to 10 years old)
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
604 13th Ave E, Bradenton, FL, 34208
New Auto 2025 & Newer
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
As low as
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
910 Thomas Dr, Panama City, FL, 32408 7442
Used Auto Loans
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL, 33021 5421
Vehicle Loan (2020-2026)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
0% Down Payment
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - Used
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
EMERALD COAST
Institution Rating:
A+5.0 ★ Texas Ratio: 9.99%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
Used Vehicles (2024 and Older) Loan
3.99%
36-month
▼
APR3.99%
Term36-month
Last UpdatedAug 28, 2026
Details
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL, 33607
Vehicle Loans - 48 Month Term
3.99%
48 Month Term
▼
APR3.99%
Term48 Month Term
Last UpdatedAug 28, 2026
Details
As low as with Relationship Rewards
Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
up to 100% financing
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.00%
Up to 66 months
▼
APR4.00%
TermUp to 66 months
Last UpdatedAug 28, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles 24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer - up to 36 months
4.00%
up to 36 months
▼
APR4.00%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
APR includes Local Heroes Program Discount
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
4.00%
37-48 months
▼
APR4.00%
Term37-48 months
Last UpdatedAug 28, 2026
Details
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.00%
37-48 months
▼
APR4.00%
Term37-48 months
Last UpdatedAug 28, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - New
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles 36 Months
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL, 33196
Auto Loans
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
2026 & Newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL, 33196
Auto Loans - 2026 & Newer
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
As low as
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
604 13th Ave E, Bradenton, FL, 34208
New Auto 2025 & Newer
4.18%
48 Months
▼
APR4.18%
Term48 Months
Last UpdatedAug 28, 2026
Details
As low as
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
5909 Stewart St, Milton, FL, 32570
New & Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL, 32095 6200
Used Auto / Refi
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
Central Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
6200 N W St, Pensacola, FL, 32505 1903
New Autos & Motorcycles
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - Used
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL, 33607
Vehicle Loans - 60 Month Term
4.24%
60 Month Term
▼
APR4.24%
Term60 Month Term
Last UpdatedAug 28, 2026
Details
As low as with Relationship Rewards
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
4.25%
12 - 24
▼
APR4.25%
Term12 - 24
Last UpdatedAug 28, 2026
Details
Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
New Auto
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
up to 100% financing
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
New Car, Truck, SUV, or Van Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Ask about our Protection Plans!
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022 - up to 36 months
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
APR includes Local Heroes Program Discount
Radiant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL, 32601 6808
New Car Loan
4.29%
63 months
▼
APR4.29%
Term63 months
Last UpdatedAug 28, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL, 32601 6808
Used Car Loan
4.29%
63 months
▼
APR4.29%
Term63 months
Last UpdatedAug 28, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles 60 Months
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car - 36 Months Loan
4.39%
36 months
▼
APR4.39%
Term36 months
Last UpdatedAug 28, 2026
Details
36 months at 4.390% (4.390% APR) for a $30,000 loan would result in a monthly payment of $890.93. Last updated 08/01/2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
604 13th Ave E, Bradenton, FL, 34208
New Auto 2025 & Newer
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedAug 28, 2026
Details
As low as
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2205 Haines St, Jacksonville, FL, 32206 3301
NEW VEHICLES 36-60 Months Loan
4.40%
60 Months
▼
APR4.40%
Term60 Months
Last UpdatedAug 28, 2026
Details
As low as
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer - up to 48 months
4.40%
up to 48 months
▼
APR4.40%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
APR includes Local Heroes Program Discount
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - New
4.44%
66 Months
▼
APR4.44%
Term66 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
4.44%
66 Months
▼
APR4.44%
Term66 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
Central Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
6200 N W St, Pensacola, FL, 32505 1903
Auto Loans
4.47%
up to 84 months
▼
APR4.47%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; 90 Days of No Payments Auto Loan offer; Interest will accrue with the 90 Days of No Payments Loan. The first scheduled payment may not cover the accrued interest from 90 days of no payments.
Hialeah Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
501 Palm Ave, Hialeah, FL, 33010 4719
Vehicle Loan
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As low as; Borrow up to $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; 4.74% for 60 Months, 5.24% for 75 Months, 6.24% for 84 Months
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
New Cars & Trucks Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
1225 Millennium Pkwy, Brandon, FL, 33511
Used Automobile
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedAug 28, 2026
Details
Used Automobile (2017 & newer)
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Auto
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
CREDIT SCORE: 720+
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
CREDIT SCORE: 720+
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL, 33607
Vehicle Loans - 72 Month Term
4.49%
72 Month Term
▼
APR4.49%
Term72 Month Term
Last UpdatedAug 28, 2026
Details
As low as with Relationship Rewards
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
New Vehicle Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
5.79% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
Used Vehicle Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
5.79% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
New Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedAug 28, 2026
Details
up to 100% financing
Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
Used Auto
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
up to 100% financing
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
New Car, Truck, SUV, or Van Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Ask about our Protection Plans!
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
Used Car, Truck, SUV, or Van Loan
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Ask about our Protection Plans!
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
New Auto Loans
4.50%
Up to 4 Years
▼
APR4.50%
TermUp to 4 Years
Last UpdatedAug 28, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
New Auto/Van/Truck Loans
4.54%
0-48 months
▼
APR4.54%
Term0-48 months
Last UpdatedAug 28, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer - up to 60 months
4.55%
up to 60 months
▼
APR4.55%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
APR includes Local Heroes Program Discount
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.59%
36 months
▼
APR4.59%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; Fixed APR
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - Used
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
5757 Waterford District Dr, Miami, FL, 33126 2035
New Vehicle Loan
4.60%
1-5 years
▼
APR4.60%
Term1-5 years
Last UpdatedAug 28, 2026
Details
As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
1601 Ohio Ave, Lynn Haven, FL, 32444 3746
New Auto/Truck
4.64%
48 Months
▼
APR4.64%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL, 33612 8737
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Auto Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedAug 28, 2026
Details
As Low As; Payment Example per $1,000 Borrowed: $43.81
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedAug 28, 2026
Details
Loan Amount: $2,500+
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1982 N State Road 7, Margate, FL, 33063
New Auto
4.69%
12 to 48 months
▼
APR4.69%
Term12 to 48 months
Last UpdatedAug 28, 2026
Details
The rate quoted is for a well-qualified borrower. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 7/13/2026, our floor rate is 4.69%.
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1982 N State Road 7, Margate, FL, 33063
Used Auto
4.69%
12 to 48 months
▼
APR4.69%
Term12 to 48 months
Last UpdatedAug 28, 2026
Details
The rate quoted is for a well-qualified borrower. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 7/13/2026, our floor rate is 4.69%.
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car - 48 Months Loan
4.69%
48 months
▼
APR4.69%
Term48 months
Last UpdatedAug 28, 2026
Details
48 months at 4.690% (4.690% APR) for a $30,000 loan would result in a monthly payment of $686.67. Last updated 08/01/2026
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL, 32063 2608
New Vehicle Loans
4.69%
24 - 36 months
▼
APR4.69%
Term24 - 36 months
Last UpdatedAug 28, 2026
Details
Up to 100% financing (Current Year or Previous with Less Than 15k Miles)
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - New
4.69%
72 Months
▼
APR4.69%
Term72 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
4.69%
72 Months
▼
APR4.69%
Term72 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
City County Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
1810 N Belcher Rd, Clearwater, FL, 33765 1448
New & Used Auto Loan
4.70%
up to 84 months
▼
APR4.70%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; New* & Used** (2025-2026)
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022 - up to 48 months
4.70%
up to 48 months
▼
APR4.70%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
APR includes Local Heroes Program Discount
Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
847 S Orange Blossom Trl, Apopka, FL, 32703
New Auto
4.74%
24-66 Months
▼
APR4.74%
Term24-66 Months
Last UpdatedAug 28, 2026
Details
As Low As**
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Auto - 60 Mo
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedAug 28, 2026
Details
My Rate
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; 4.49% for 36 Months, 5.24% for 75 Months, 6.24% for 84 Months
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Used Vehicle Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; 4.99% for 60 Months, 5.49% for 75 Months, 6.49% for 84 Months
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loan
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedAug 28, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
First Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
500 W 1st St, Jacksonville, FL, 32202 3939
Auto Loan
4.74%
1-42 months
▼
APR4.74%
Term1-42 months
Last UpdatedAug 28, 2026
Details
As low as; Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for and what criteria we use to qualify you for a certain rate.
Central Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
6200 N W St, Pensacola, FL, 32505 1903
New Autos & Motorcycles
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedAug 28, 2026
Details
Central Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
6200 N W St, Pensacola, FL, 32505 1903
Used Autos & Motorcycles 24 Months
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedAug 28, 2026
Details
Central Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
6200 N W St, Pensacola, FL, 32505 1903
Used Autos & Motorcycles 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedAug 28, 2026
Details
Central Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
6200 N W St, Pensacola, FL, 32505 1903
Used Autos & Motorcycles 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedAug 28, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Auto
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Used Auto 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedAug 28, 2026
Details
Credit Score: 720+
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL, 32534
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedAug 28, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
562 Park St, Jacksonville, FL, 32204 2918
New Auto, Van, Pickup, SUV (2019-2026)
4.75%
0-48 Months
▼
APR4.75%
Term0-48 Months
Last UpdatedAug 28, 2026
Details
As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 8/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000.
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedAug 28, 2026
Details
Hialeah Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
501 Palm Ave, Hialeah, FL, 33010 4719
Vehicle Loan
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As low as; Borrow up to $100,000
Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
New Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
up to 100% financing
Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
Used Auto
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedAug 28, 2026
Details
up to 100% financing
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
Used Car, Truck, SUV, or Van Loan
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Ask about our Protection Plans!
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
New Auto Loans
4.75%
5 Year
▼
APR4.75%
Term5 Year
Last UpdatedAug 28, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Suncoast Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.71%
6536 E Hillsborough Ave, Tampa, FL, 33610
Auto Loans
4.75%
Up to 84-month
▼
APR4.75%
TermUp to 84-month
Last UpdatedAug 28, 2026
Details
Best for new or used autos. Special rate for EV and Hybrid cars/trucks. No application fee2. No prepayment penalty.
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer - up to 72 months
4.75%
up to 72 months
▼
APR4.75%
Termup to 72 months
Last UpdatedAug 28, 2026
Details
APR includes Local Heroes Program Discount
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) 2021-2026
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; 10% Down Payment
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
4.75%
49-60 months
▼
APR4.75%
Term49-60 months
Last UpdatedAug 28, 2026
Details
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.75%
49-60 months
▼
APR4.75%
Term49-60 months
Last UpdatedAug 28, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.79%
48 months
▼
APR4.79%
Term48 months
Last UpdatedAug 28, 2026
Details
As Low As; Fixed APR
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
1601 Ohio Ave, Lynn Haven, FL, 32444 3746
Used Auto/Truck
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
New Auto/Van/Truck Loans
4.79%
49-66 months
▼
APR4.79%
Term49-66 months
Last UpdatedAug 28, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedAug 28, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedAug 28, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.84%
60 months
▼
APR4.84%
Term60 months
Last UpdatedAug 28, 2026
Details
As Low As; Fixed APR
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - Used
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
5757 Waterford District Dr, Miami, FL, 33126 2035
New Vehicle Loan
4.85%
6 years (over $15,000)
▼
APR4.85%
Term6 years (over $15,000)
Last UpdatedAug 28, 2026
Details
As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022 - up to 60 months
4.85%
up to 60 months
▼
APR4.85%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
APR includes Local Heroes Program Discount
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
604 13th Ave E, Bradenton, FL, 34208
New Auto 2025 & Newer
4.87%
72 Months
▼
APR4.87%
Term72 Months
Last UpdatedAug 28, 2026
Details
As low as
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Auto Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; Payment Example per $1,000 Borrowed: $29.98
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedAug 28, 2026
Details
Loan Amount: $2,500+
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
1601 Ohio Ave, Lynn Haven, FL, 32444 3746
New Auto/Truck
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
1601 Ohio Ave, Lynn Haven, FL, 32444 3746
Used Auto/Truck
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Used Car - 36 Months Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedAug 28, 2026
Details
36 months at 4.890% (4.890% APR) for a $30,000 loan would result in a monthly payment of $897.65. Last updated 08/01/2026
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1242 E 5th Ave Fl 4, Tampa, FL, 33605
New cars, trucks and vans Loan
4.90%
Varies
▼
APR4.90%
TermVaries
Last UpdatedAug 28, 2026
Details
As low as
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1242 E 5th Ave Fl 4, Tampa, FL, 33605
New Cars, Trucks, and Vans Loan
4.90%
Varies
▼
APR4.90%
TermVaries
Last UpdatedAug 28, 2026
Details
As low as; Fixed
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
Used Cars & Trucks Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedAug 28, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2205 Haines St, Jacksonville, FL, 32206 3301
USED VEHICLES 36-60 Months Loan
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedAug 28, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL, 33607
Vehicle Loans - 84 Month Term
4.94%
84 Month Term
▼
APR4.94%
Term84 Month Term
Last UpdatedAug 28, 2026
Details
As low as with Relationship Rewards
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedAug 28, 2026
Details
United Bank (AL)
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
5907 Berryhill Rd, Milton, FL, 32570
Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Special Rate; New cars and trucks
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
5909 Stewart St, Milton, FL, 32570
New & Used Auto
4.99%
Up to 66 Months
▼
APR4.99%
TermUp to 66 Months
Last UpdatedAug 28, 2026
Details
As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
New Auto Loans
4.99%
6 Year
▼
APR4.99%
Term6 Year
Last UpdatedAug 28, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Used Vehicle Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; 4.74% for 36 Months, 5.49% for 75 Months, 6.49% for 84 Months
Financial Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
1200 W International Speedway Blvd, Daytona Beach, FL, 32114 2817
Auto Loans
4.99%
2020-2026
▼
APR4.99%
Term2020-2026
Last UpdatedAug 28, 2026
Details
Credit Rating: A+ (730+)
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
New Cars & Trucks Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL, 32095 6200
Used Auto / Refi
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
New Cars, Trucks, Vans Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; 100%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New and Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedAug 28, 2026
Details
First Florida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
500 W 1st St, Jacksonville, FL, 32202 3939
Auto Loan
4.99%
67-78 months
▼
APR4.99%
Term67-78 months
Last UpdatedAug 28, 2026
Details
($18,000 minimum) Your rate will be based on your creditworthiness. Please contact the credit union to find out what rate you qualify for and what criteria we use to qualify you for a certain rate.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1314 Oakfield Dr, Brandon, FL, 33511
New Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As low as
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1314 Oakfield Dr, Brandon, FL, 33511
Used Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As low as
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL, 33612 8737
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL, 32803
New Car Loan
4.99%
up to 48 Months
▼
APR4.99%
Termup to 48 Months
Last UpdatedAug 28, 2026
Details
As Low As; Starting at
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL, 33609 2955
Vehicle Loans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedAug 28, 2026
Details
Get 4.99% APR!* Plus, for a limited time, enjoy no payments for 90 days^ Learn More. Annual Percentage Rate based upon individual applicant's creditworthiness, the year, make and model of vehicle, and term of the loan. Other terms and rates available. Rates and terms are subject to change without notice. Payment does not include insurances. Terms up to 120 months are available for Recreational and Watersport vehicles.
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
CREDIT SCORE: 680-719
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
CREDIT SCORE: 720+
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Used Auto 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedAug 28, 2026
Details
Credit Score: 720+
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
Auto Loan
4.99%
48 months or less
▼
APR4.99%
Term48 months or less
Last UpdatedAug 28, 2026
Details
FL; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
New Auto Loan
4.99%
48 months or less
▼
APR4.99%
Term48 months or less
Last UpdatedAug 28, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL, 32063 2608
New Vehicle Loans
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedAug 28, 2026
Details
Up to 100% financing (Current Year or Previous with Less Than 15k Miles)
Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
300 S Plumosa St, Merritt Island, FL, 32952
New Auto & Truck Loan
4.99%
Up to 36 months, Max term 84 months
▼
APR4.99%
TermUp to 36 months, Max term 84 months
Last UpdatedAug 28, 2026
Details
As Low As; 2025-present
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
604 13th Ave E, Bradenton, FL, 34208
Vehicle Loan (2023 - 2024)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
As low as
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedAug 28, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL, 32435
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles 1-2 yrs. old Loan
5.00%
2 Yrs
▼
APR5.00%
Term2 Yrs
Last UpdatedAug 28, 2026
Details
Hialeah Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
501 Palm Ave, Hialeah, FL, 33010 4719
Vehicle Loan
5.00%
Up to 60 months
▼
APR5.00%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As low as; Borrow up to $100,000
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1825 S Jefferson St, Perry, FL, 32348 5614
New & Used Auto
5.00%
73-84 Months*
▼
APR5.00%
Term73-84 Months*
Last UpdatedAug 28, 2026
Details
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
New Car, Truck, SUV, or Van Loan
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
Ask about our Protection Plans!
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
Used Auto Loans 90% Financing 2 Year
5.00%
2 Year
▼
APR5.00%
Term2 Year
Last UpdatedAug 28, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles 78 Months
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle Loan
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedAug 28, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL, 33021 5421
Vehicle Loan (2021-2026)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedAug 28, 2026
Details
0% Down Payment
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
5.00%
61-72 months
▼
APR5.00%
Term61-72 months
Last UpdatedAug 28, 2026
Details
Powered by
MonitorBankRates
Florida New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
1601 Ohio Ave, Lynn Haven, FL, 32444 3746
New Auto/Truck
3.24%
36 Months
▼
APR3.24%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
514 Southard St, Key West, FL, 33040
New & Used Vehicle Loans
3.25%
up to 84 months
▼
APR3.25%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
Finance up to 125% MSRP (new vehicles) or NADA (used vehicles)2; No prepayment penalties; Refinance existing Auto Loans for cash out or lower payments; Take a pre-approved loan to the dealer when you shop; Keys FCU is an ITIN-approved lender!
Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
New Auto
3.25%
24 Months
▼
APR3.25%
Term24 Months
Last UpdatedAug 28, 2026
Details
up to 100% financing
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedAug 28, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1825 S Jefferson St, Perry, FL, 32348 5614
New & Used Auto
3.39%
up to 24 Months
▼
APR3.39%
Termup to 24 Months
Last UpdatedAug 28, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loan
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
103 S Tyndall Pkwy, Panama City, FL, 32404 6722
New Auto
3.49%
Up to 84
▼
APR3.49%
TermUp to 84
Last UpdatedAug 28, 2026
Details
Months
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL, 33122 1824
New Automobile
3.49%
24-84 Months
▼
APR3.49%
Term24-84 Months
Last UpdatedAug 28, 2026
Details
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
PowerNet Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
5619 Harney Rd, Tampa, FL, 33610
New & Used Auto
3.49%
up to 72 months
▼
APR3.49%
Termup to 72 months
Last UpdatedAug 28, 2026
Details
See Details
EMERALD COAST
Institution Rating:
A+5.0 ★ Texas Ratio: 9.99%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
New Vehicles (2025 and Newer) Loan
3.49%
36-month
▼
APR3.49%
Term36-month
Last UpdatedAug 28, 2026
Details
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
3.50%
12-36 months
▼
APR3.50%
Term12-36 months
Last UpdatedAug 28, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - New
3.59%
36 Months
▼
APR3.59%
Term36 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
3.59%
36 Months
▼
APR3.59%
Term36 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - New
3.84%
48 Months
▼
APR3.84%
Term48 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
3.84%
48 Months
▼
APR3.84%
Term48 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedAug 28, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
1225 Millennium Pkwy, Brandon, FL, 33511
New Automobile
3.99%
up to 84 Months
▼
APR3.99%
Termup to 84 Months
Last UpdatedAug 28, 2026
Details
New Automobile (2025 & newer)
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2718 Martin Luther King Jr Blvd, Panama City, FL, 32405 4408
New & Used Autos
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As; (Autos up to 10 years old)
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
604 13th Ave E, Bradenton, FL, 34208
New Auto 2025 & Newer
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
As low as
Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
up to 100% financing
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.00%
Up to 66 months
▼
APR4.00%
TermUp to 66 months
Last UpdatedAug 28, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles 24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer - up to 36 months
4.00%
up to 36 months
▼
APR4.00%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
APR includes Local Heroes Program Discount
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
4.00%
37-48 months
▼
APR4.00%
Term37-48 months
Last UpdatedAug 28, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - New
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles 36 Months
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL, 33196
Auto Loans - 2026 & Newer
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
As low as
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
604 13th Ave E, Bradenton, FL, 34208
New Auto 2025 & Newer
4.18%
48 Months
▼
APR4.18%
Term48 Months
Last UpdatedAug 28, 2026
Details
As low as
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
5909 Stewart St, Milton, FL, 32570
New & Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
Central Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
6200 N W St, Pensacola, FL, 32505 1903
New Autos & Motorcycles
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
4.25%
12 - 24
▼
APR4.25%
Term12 - 24
Last UpdatedAug 28, 2026
Details
Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
New Auto
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
up to 100% financing
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
New Car, Truck, SUV, or Van Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Ask about our Protection Plans!
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Radiant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL, 32601 6808
New Car Loan
4.29%
63 months
▼
APR4.29%
Term63 months
Last UpdatedAug 28, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles 60 Months
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car - 36 Months Loan
4.39%
36 months
▼
APR4.39%
Term36 months
Last UpdatedAug 28, 2026
Details
36 months at 4.390% (4.390% APR) for a $30,000 loan would result in a monthly payment of $890.93. Last updated 08/01/2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
604 13th Ave E, Bradenton, FL, 34208
New Auto 2025 & Newer
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedAug 28, 2026
Details
As low as
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2205 Haines St, Jacksonville, FL, 32206 3301
NEW VEHICLES 36-60 Months Loan
4.40%
60 Months
▼
APR4.40%
Term60 Months
Last UpdatedAug 28, 2026
Details
As low as
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer - up to 48 months
4.40%
up to 48 months
▼
APR4.40%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
APR includes Local Heroes Program Discount
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - New
4.44%
66 Months
▼
APR4.44%
Term66 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
4.44%
66 Months
▼
APR4.44%
Term66 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; 4.74% for 60 Months, 5.24% for 75 Months, 6.24% for 84 Months
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
New Cars & Trucks Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Auto
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
CREDIT SCORE: 720+
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
CREDIT SCORE: 720+
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
New Vehicle Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
5.79% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
New Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedAug 28, 2026
Details
up to 100% financing
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
New Car, Truck, SUV, or Van Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Ask about our Protection Plans!
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
New Auto Loans
4.50%
Up to 4 Years
▼
APR4.50%
TermUp to 4 Years
Last UpdatedAug 28, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
New Auto/Van/Truck Loans
4.54%
0-48 months
▼
APR4.54%
Term0-48 months
Last UpdatedAug 28, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer - up to 60 months
4.55%
up to 60 months
▼
APR4.55%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
APR includes Local Heroes Program Discount
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.59%
36 months
▼
APR4.59%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; Fixed APR
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
5757 Waterford District Dr, Miami, FL, 33126 2035
New Vehicle Loan
4.60%
1-5 years
▼
APR4.60%
Term1-5 years
Last UpdatedAug 28, 2026
Details
As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
1601 Ohio Ave, Lynn Haven, FL, 32444 3746
New Auto/Truck
4.64%
48 Months
▼
APR4.64%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL, 33612 8737
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1982 N State Road 7, Margate, FL, 33063
New Auto
4.69%
12 to 48 months
▼
APR4.69%
Term12 to 48 months
Last UpdatedAug 28, 2026
Details
The rate quoted is for a well-qualified borrower. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 7/13/2026, our floor rate is 4.69%.
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car - 48 Months Loan
4.69%
48 months
▼
APR4.69%
Term48 months
Last UpdatedAug 28, 2026
Details
48 months at 4.690% (4.690% APR) for a $30,000 loan would result in a monthly payment of $686.67. Last updated 08/01/2026
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL, 32063 2608
New Vehicle Loans
4.69%
24 - 36 months
▼
APR4.69%
Term24 - 36 months
Last UpdatedAug 28, 2026
Details
Up to 100% financing (Current Year or Previous with Less Than 15k Miles)
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - New
4.69%
72 Months
▼
APR4.69%
Term72 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
4.69%
72 Months
▼
APR4.69%
Term72 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
City County Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
1810 N Belcher Rd, Clearwater, FL, 33765 1448
New & Used Auto Loan
4.70%
up to 84 months
▼
APR4.70%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; New* & Used** (2025-2026)
Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
847 S Orange Blossom Trl, Apopka, FL, 32703
New Auto
4.74%
24-66 Months
▼
APR4.74%
Term24-66 Months
Last UpdatedAug 28, 2026
Details
As Low As**
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Auto - 60 Mo
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedAug 28, 2026
Details
My Rate
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; 4.49% for 36 Months, 5.24% for 75 Months, 6.24% for 84 Months
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loan
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedAug 28, 2026
Details
As Low As
Central Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
6200 N W St, Pensacola, FL, 32505 1903
New Autos & Motorcycles
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedAug 28, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Auto
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
562 Park St, Jacksonville, FL, 32204 2918
New Auto, Van, Pickup, SUV (2019-2026)
4.75%
0-48 Months
▼
APR4.75%
Term0-48 Months
Last UpdatedAug 28, 2026
Details
As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 8/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000.
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedAug 28, 2026
Details
Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
New Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
up to 100% financing
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
New Auto Loans
4.75%
5 Year
▼
APR4.75%
Term5 Year
Last UpdatedAug 28, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer - up to 72 months
4.75%
up to 72 months
▼
APR4.75%
Termup to 72 months
Last UpdatedAug 28, 2026
Details
APR includes Local Heroes Program Discount
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
4.75%
49-60 months
▼
APR4.75%
Term49-60 months
Last UpdatedAug 28, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.79%
48 months
▼
APR4.79%
Term48 months
Last UpdatedAug 28, 2026
Details
As Low As; Fixed APR
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
New Auto/Van/Truck Loans
4.79%
49-66 months
▼
APR4.79%
Term49-66 months
Last UpdatedAug 28, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedAug 28, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.84%
60 months
▼
APR4.84%
Term60 months
Last UpdatedAug 28, 2026
Details
As Low As; Fixed APR
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
5757 Waterford District Dr, Miami, FL, 33126 2035
New Vehicle Loan
4.85%
6 years (over $15,000)
▼
APR4.85%
Term6 years (over $15,000)
Last UpdatedAug 28, 2026
Details
As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
604 13th Ave E, Bradenton, FL, 34208
New Auto 2025 & Newer
4.87%
72 Months
▼
APR4.87%
Term72 Months
Last UpdatedAug 28, 2026
Details
As low as
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
1601 Ohio Ave, Lynn Haven, FL, 32444 3746
New Auto/Truck
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1242 E 5th Ave Fl 4, Tampa, FL, 33605
New cars, trucks and vans Loan
4.90%
Varies
▼
APR4.90%
TermVaries
Last UpdatedAug 28, 2026
Details
As low as
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1242 E 5th Ave Fl 4, Tampa, FL, 33605
New Cars, Trucks, and Vans Loan
4.90%
Varies
▼
APR4.90%
TermVaries
Last UpdatedAug 28, 2026
Details
As low as; Fixed
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedAug 28, 2026
Details
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
5909 Stewart St, Milton, FL, 32570
New & Used Auto
4.99%
Up to 66 Months
▼
APR4.99%
TermUp to 66 Months
Last UpdatedAug 28, 2026
Details
As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
New Auto Loans
4.99%
6 Year
▼
APR4.99%
Term6 Year
Last UpdatedAug 28, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
New Cars & Trucks Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
New Cars, Trucks, Vans Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; 100%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New and Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedAug 28, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1314 Oakfield Dr, Brandon, FL, 33511
New Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As low as
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL, 32803
New Car Loan
4.99%
up to 48 Months
▼
APR4.99%
Termup to 48 Months
Last UpdatedAug 28, 2026
Details
As Low As; Starting at
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
CREDIT SCORE: 680-719
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
CREDIT SCORE: 720+
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
New Auto Loan
4.99%
48 months or less
▼
APR4.99%
Term48 months or less
Last UpdatedAug 28, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL, 32063 2608
New Vehicle Loans
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedAug 28, 2026
Details
Up to 100% financing (Current Year or Previous with Less Than 15k Miles)
Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
300 S Plumosa St, Merritt Island, FL, 32952
New Auto & Truck Loan
4.99%
Up to 36 months, Max term 84 months
▼
APR4.99%
TermUp to 36 months, Max term 84 months
Last UpdatedAug 28, 2026
Details
As Low As; 2025-present
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedAug 28, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL, 32435
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1825 S Jefferson St, Perry, FL, 32348 5614
New & Used Auto
5.00%
73-84 Months*
▼
APR5.00%
Term73-84 Months*
Last UpdatedAug 28, 2026
Details
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
New Car, Truck, SUV, or Van Loan
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
Ask about our Protection Plans!
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles 78 Months
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle Loan
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedAug 28, 2026
Details
As Low As
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
5.00%
61-72 months
▼
APR5.00%
Term61-72 months
Last UpdatedAug 28, 2026
Details
Powered by
MonitorBankRates
Florida Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
1601 Ohio Ave, Lynn Haven, FL, 32444 3746
Used Auto/Truck
3.24%
36 Months
▼
APR3.24%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
514 Southard St, Key West, FL, 33040
New & Used Vehicle Loans
3.25%
up to 84 months
▼
APR3.25%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
Finance up to 125% MSRP (new vehicles) or NADA (used vehicles)2; No prepayment penalties; Refinance existing Auto Loans for cash out or lower payments; Take a pre-approved loan to the dealer when you shop; Keys FCU is an ITIN-approved lender!
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedAug 28, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1825 S Jefferson St, Perry, FL, 32348 5614
New & Used Auto
3.39%
up to 24 Months
▼
APR3.39%
Termup to 24 Months
Last UpdatedAug 28, 2026
Details
PowerNet Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
5619 Harney Rd, Tampa, FL, 33610
New & Used Auto
3.49%
up to 72 months
▼
APR3.49%
Termup to 72 months
Last UpdatedAug 28, 2026
Details
See Details
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
3.50%
12-36 months
▼
APR3.50%
Term12-36 months
Last UpdatedAug 28, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL, 33122 1824
Used Automobile
3.74%
24-84 Months
▼
APR3.74%
Term24-84 Months
Last UpdatedAug 28, 2026
Details
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedAug 28, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
103 S Tyndall Pkwy, Panama City, FL, 32404 6722
Used Auto
3.99%
Up to 84
▼
APR3.99%
TermUp to 84
Last UpdatedAug 28, 2026
Details
Months
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2718 Martin Luther King Jr Blvd, Panama City, FL, 32405 4408
New & Used Autos
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As; (Autos up to 10 years old)
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
910 Thomas Dr, Panama City, FL, 32408 7442
Used Auto Loans
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - Used
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
EMERALD COAST
Institution Rating:
A+5.0 ★ Texas Ratio: 9.99%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
Used Vehicles (2024 and Older) Loan
3.99%
36-month
▼
APR3.99%
Term36-month
Last UpdatedAug 28, 2026
Details
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.00%
Up to 66 months
▼
APR4.00%
TermUp to 66 months
Last UpdatedAug 28, 2026
Details
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.00%
37-48 months
▼
APR4.00%
Term37-48 months
Last UpdatedAug 28, 2026
Details
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
5909 Stewart St, Milton, FL, 32570
New & Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL, 32095 6200
Used Auto / Refi
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - Used
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022 - up to 36 months
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
APR includes Local Heroes Program Discount
Radiant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL, 32601 6808
Used Car Loan
4.29%
63 months
▼
APR4.29%
Term63 months
Last UpdatedAug 28, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
1225 Millennium Pkwy, Brandon, FL, 33511
Used Automobile
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedAug 28, 2026
Details
Used Automobile (2017 & newer)
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
Used Vehicle Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
5.79% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
Used Auto
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
up to 100% financing
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
Used Car, Truck, SUV, or Van Loan
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Ask about our Protection Plans!
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - Used
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1982 N State Road 7, Margate, FL, 33063
Used Auto
4.69%
12 to 48 months
▼
APR4.69%
Term12 to 48 months
Last UpdatedAug 28, 2026
Details
The rate quoted is for a well-qualified borrower. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 7/13/2026, our floor rate is 4.69%.
City County Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
1810 N Belcher Rd, Clearwater, FL, 33765 1448
New & Used Auto Loan
4.70%
up to 84 months
▼
APR4.70%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; New* & Used** (2025-2026)
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022 - up to 48 months
4.70%
up to 48 months
▼
APR4.70%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
APR includes Local Heroes Program Discount
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Used Vehicle Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; 4.99% for 60 Months, 5.49% for 75 Months, 6.49% for 84 Months
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Central Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
6200 N W St, Pensacola, FL, 32505 1903
Used Autos & Motorcycles 24 Months
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedAug 28, 2026
Details
Central Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
6200 N W St, Pensacola, FL, 32505 1903
Used Autos & Motorcycles 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedAug 28, 2026
Details
Central Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
6200 N W St, Pensacola, FL, 32505 1903
Used Autos & Motorcycles 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedAug 28, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Used Auto 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedAug 28, 2026
Details
Credit Score: 720+
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Miami Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
Used Auto
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedAug 28, 2026
Details
up to 100% financing
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
Used Car, Truck, SUV, or Van Loan
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Ask about our Protection Plans!
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.75%
49-60 months
▼
APR4.75%
Term49-60 months
Last UpdatedAug 28, 2026
Details
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
1601 Ohio Ave, Lynn Haven, FL, 32444 3746
Used Auto/Truck
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedAug 28, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan - Used
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedAug 28, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022 - up to 60 months
4.85%
up to 60 months
▼
APR4.85%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
APR includes Local Heroes Program Discount
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
1601 Ohio Ave, Lynn Haven, FL, 32444 3746
Used Auto/Truck
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Used Car - 36 Months Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedAug 28, 2026
Details
36 months at 4.890% (4.890% APR) for a $30,000 loan would result in a monthly payment of $897.65. Last updated 08/01/2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
Used Cars & Trucks Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedAug 28, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2205 Haines St, Jacksonville, FL, 32206 3301
USED VEHICLES 36-60 Months Loan
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedAug 28, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedAug 28, 2026
Details
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
5909 Stewart St, Milton, FL, 32570
New & Used Auto
4.99%
Up to 66 Months
▼
APR4.99%
TermUp to 66 Months
Last UpdatedAug 28, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Used Vehicle Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; 4.74% for 36 Months, 5.49% for 75 Months, 6.49% for 84 Months
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL, 32095 6200
Used Auto / Refi
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New and Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedAug 28, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1314 Oakfield Dr, Brandon, FL, 33511
Used Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As low as
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
3209 E Busch Blvd, Tampa, FL, 33612 8737
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Used Auto 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedAug 28, 2026
Details
Credit Score: 720+
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL, 32435
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles 1-2 yrs. old Loan
5.00%
2 Yrs
▼
APR5.00%
Term2 Yrs
Last UpdatedAug 28, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1825 S Jefferson St, Perry, FL, 32348 5614
New & Used Auto
5.00%
73-84 Months*
▼
APR5.00%
Term73-84 Months*
Last UpdatedAug 28, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
Used Auto Loans 90% Financing 2 Year
5.00%
2 Year
▼
APR5.00%
Term2 Year
Last UpdatedAug 28, 2026
Details
Powered by
MonitorBankRates
Florida Auto Loan Rate Trends
Compare local Florida auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — FL Avg
5.536%
▲ 0.170 vs 7 days ago
Florida new auto rates rose 0.170 points over the past 7 days to 5.536% APR.
Used Auto Loan — FL Avg
5.858%
▲ 0.157 vs 7 days ago
Florida used auto rates rose 0.157 points over the past 7 days to 5.858% APR.
As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Florida APRs. Even a small APR difference adds up over the life of a car loan — use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.54% APR FL average | Used Auto @ 5.86% APR FL average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.76/mo | $289.00/mo | $2.24/mo |
| $25,000 | $477.94/mo | $481.67/mo | $3.73/mo |
| $35,000 | $669.12/mo | $674.33/mo | $5.22/mo |
| $45,000 | $860.29/mo | $867.00/mo | $6.71/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
About Our Florida Auto Loan Rate Database
65 Local Lenders Tracked
Banks & Credit Unions
Updated Daily
Our Florida auto loan tables currently track 65 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Florida database right now is 3.24% APR from Tyndall Federal Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in Florida
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Florida locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups — dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Florida. Membership is usually easier to get than people expect — many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater” — owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs — CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment → park it in a Florida high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange → compare personal loan rates
- Car fund you won’t need for a set period → Florida CD rates lock in a guaranteed return until you’re ready to buy
Florida Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau
$41,891
Median Individual Earnings
National avg: $47,340
4.8%
Unemployment Rate
National avg: 4.8%
12.6%
Poverty Rate
National avg: 11.1%
$574/mo
Payment on a $30K / 60-mo Loan
At FL new-auto avg 5.54% APR
A $574 monthly car payment works out to roughly 16.4% of the median individual income in Florida. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Florida — but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies — can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify — always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Florida. We’ve prefilled the APR with today’s FL new-auto average — or click any current rate on the right to apply it instantly.
$
$
%
Current Rates — Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Florida auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Florida directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Florida. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in FL.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Florida
How does my credit score affect my car loan rate in Florida?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Florida with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Florida *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Florida typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
Should I get preapproved for an auto loan before visiting a dealer in Florida?
Yes. A preapproval from a bank or credit union serving Florida gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Florida can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Florida?
Based on our current data, some of the lowest auto loan rates available in Florida include:
- Tyndall Federal Credit Union: 3.24% (New Auto/Truck)
- Memorial Employees Financial Credit Union: 3.24% (Auto Loans (with 10% Down Payment) 2019-2026)
- Keys Federal Credit Union: 3.25% (New & Used Vehicle Loans)
- Miami Federal Credit Union: 3.25% (New Auto)
- American Airlines Federal Credit Union: 3.34% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Florida. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: August 28, 2026
Auto Loan Rates by City in Florida
Rate Assistant
MonitorBankRates.com · Live Data
Try asking