Auto Loan Rates in Gainesville, Florida (FL) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Gainesville, Florida. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Gainesville, Florida include Midflorida Credit UnionMidflorida Credit Union6120 NW 1st Pl, Gainesville, FL, 32607A+5.0 ★Texas Ratio: 2.45% offering 2025 and Newer Autos at 5.39%, Self-Help Credit UnionSelf-Help Credit Union412 E University Ave, Gainesville, FL, 32601 5452A5.0 ★Texas Ratio: 7.18% offering New Car at 6.25%, Electricians Local 349 Credit UnionElectricians Local 349 Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New Car/Truck Loans 20% Down at 2.99%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Memorial Employees Financial Credit UnionMemorial Employees Financial Credit UnionA+5.0 ★Texas Ratio: 1.83% offering Auto Loans (with 10% Down Payment) 2018-2025 at 3.24%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.
Gainesville has 2 local institutions in our database, with auto loan rates as low as 5.39% APR from Midflorida Credit Union at 6120 NW 1st Pl, Gainesville, FL, 32607. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Gainesville, Florida. Auto Loan Rates Last Updated and Verified: May 4, 2026
Compare Auto Loan Rates Today in Gainesville, Florida & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
6120 NW 1st Pl, Gainesville, FL, 32607
2025 and Newer Autos
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
6120 NW 1st Pl, Gainesville, FL, 32607
2024 Autos
5.64%
72 Months
▼
APR5.64%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
6120 NW 1st Pl, Gainesville, FL, 32607
2023 Autos
6.14%
72 Months
▼
APR6.14%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
412 E University Ave, Gainesville, FL, 32601 5452
New Car
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details
up to 84 months
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
6120 NW 1st Pl, Gainesville, FL, 32607
2022 and 2021 Autos
6.89%
72 Months
▼
APR6.89%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
412 E University Ave, Gainesville, FL, 32601 5452
Used Car - less than 100,000 Miles
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details
up to 84 months
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
412 E University Ave, Gainesville, FL, 32601 5452
Used Car - greater than 100,000 Miles
9.00%
72 Months
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details
up to 72 months
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 10% Down Payment) 2018-2025
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As
Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.39%
Auto Loans
3.25%
84 Months
▼
APR3.25%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Terms up to 84 months
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedApr 18, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
3.49%
48 Months
▼
APR3.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans - 36 Months
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedApr 27, 2026
Details
As Low As; 3.49%
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 0% Down Payment) 2018-2025
3.49%
24 Months
▼
APR3.49%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR3.50%
Term12-36
Last UpdatedMay 2, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 10% Down Payment) 2018 & older
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 10% Down Payment) 2019-2025
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
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 UpdatedApr 18, 2026
Details
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As; 24 month to 84 month terms
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans - 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 27, 2026
Details
As Low As; 3.99%
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 0% Down Payment) 2018 & older
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 0% Down Payment) 2019-2025
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.00%
Up to 66
▼
APR4.00%
TermUp to 66
Last UpdatedApr 26, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.00%
up to 36 months
▼
APR4.00%
Termup to 36 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
APR4.00%
Term37-48
Last UpdatedMay 2, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans - 48 Months
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 27, 2026
Details
As Low As; 4.24%
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
4.25%
12 - 24
▼
APR4.25%
Term12 - 24
Last UpdatedApr 25, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
New Vehicles
4.40%
36-60
▼
APR4.40%
Term36-60
Last UpdatedApr 19, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.45%
up to 48 months
▼
APR4.45%
Termup to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans - 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 27, 2026
Details
As Low As; 4.49%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans
4.49%
24 Mos.
▼
APR4.49%
Term24 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 4.49%
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
New Vehicle
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 2, 2026
Details
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
Used Vehicle
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 2, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 25, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.50%
Up to 72
▼
APR4.50%
TermUp to 72
Last UpdatedApr 26, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (2025 & newer)
4.60%
84 Months
▼
APR4.60%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto
4.69%
12 to 48 months
▼
APR4.69%
Term12 to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto
4.69%
12 to 48 months
▼
APR4.69%
Term12 to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.70%
up to 60 months
▼
APR4.70%
Termup to 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.70%
up to 48 months
▼
APR4.70%
Termup to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Auto Loans (New)
4.74%
terms up to 86 months
▼
APR4.74%
Termterms up to 86 months
Last UpdatedApr 25, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Auto Loans (Used)
4.74%
terms up to 86 months
▼
APR4.74%
Termterms up to 86 months
Last UpdatedApr 25, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans - 66 Months
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedApr 27, 2026
Details
As Low As; 4.74%
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans - 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 27, 2026
Details
As Low As; 4.74%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans
4.74%
48 Mos.
▼
APR4.74%
Term48 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 4.74%
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 2, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 25, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 10% Down Payment) 2020-2025
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.75%
Term49-60
Last UpdatedMay 2, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Used Auto, Van, Pickup, SUV (2019-2026)
4.75%
0-48 Months
▼
APR4.75%
Term0-48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto/Van/Truck Loans
4.79%
0-48
▼
APR4.79%
Term0-48
Last UpdatedApr 19, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 2, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 2, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.80%
up to 72 months
▼
APR4.80%
Termup to 72 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Used Vehicles
4.90%
36-60
▼
APR4.90%
Term36-60
Last UpdatedApr 19, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicles - Model years 2025 or newer
4.94%
Up to 48 months
▼
APR4.94%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
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 UpdatedApr 18, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.95%
up to 60 months
▼
APR4.95%
Termup to 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 27, 2026
Details
As Low As; 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans - 72 Months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 27, 2026
Details
As Low As; 4.99%
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans - 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 27, 2026
Details
As Low As; 4.99%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 4.99%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 4.99%
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru New Vehicle Loans
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedMay 2, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 2, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMay 4, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedApr 8, 2026
Details
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.42%
New Vehicle
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 25, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Used Vehicles
5.00%
12-24
▼
APR5.00%
Term12-24
Last UpdatedApr 25, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
5.00%
Up to 84
▼
APR5.00%
TermUp to 84
Last UpdatedApr 26, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 0% Down Payment) 2020-2025
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR5.00%
Term61-72
Last UpdatedMay 2, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto/Van/Truck Loans
5.04%
49-66
▼
APR5.04%
Term49-66
Last UpdatedApr 19, 2026
Details
As Low As
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Auto Loans
5.04%
49 - 66 Months
▼
APR5.04%
Term49 - 66 Months
Last UpdatedMay 2, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 2, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 2, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Automobile
5.10%
36 - 84 months*
▼
APR5.10%
Term36 - 84 months*
Last UpdatedMay 2, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
5.10%
up to 72 months
▼
APR5.10%
Termup to 72 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - Used Vehicles
5.12%
48 Months
▼
APR5.12%
Term48 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Used Auto Loans
5.12%
48 Months
▼
APR5.12%
Term48 Months
Last UpdatedApr 8, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru New Vehicle Loans
5.19%
61 - 72
▼
APR5.19%
Term61 - 72
Last UpdatedMay 2, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru Used Vehicle Loans Models
5.19%
24 - 36
▼
APR5.19%
Term24 - 36
Last UpdatedMay 2, 2026
Details
As Low As; not over 7 years or 150k miles
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Car
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans - 75 Months
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 27, 2026
Details
As Low As; 5.24%
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans - 66 Months
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedApr 27, 2026
Details
As Low As; 5.24%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans
5.24%
72 Mos.
▼
APR5.24%
Term72 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 5.24%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle without Auto Pay
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 5.24%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle without Auto Pay
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 5.24%
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Auto Loans
5.24%
67 - 78 Months
▼
APR5.24%
Term67 - 78 Months
Last UpdatedMay 2, 2026
Details
As Low As
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Car
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 25, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
Older Used Autos
5.25%
Up to 66
▼
APR5.25%
TermUp to 66
Last UpdatedApr 26, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 4, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
Used Auto (Ten Years or Newer)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedApr 18, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto/Van/Truck Loans
5.29%
0-48
▼
APR5.29%
Term0-48
Last UpdatedApr 19, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru Used Vehicle Loans Models
5.29%
37 - 48
▼
APR5.29%
Term37 - 48
Last UpdatedMay 2, 2026
Details
As Low As; not over 7 years or 150k miles
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle Loans
5.30%
36 months
▼
APR5.30%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
New Vehicles
5.40%
61-84
▼
APR5.40%
Term61-84
Last UpdatedApr 19, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Used Autos
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; - Over 3 Years/36000 + Miles
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedApr 18, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Car
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 36 Months
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 60 Months
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 72 Months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
5.49%
78 Months
▼
APR5.49%
Term78 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans - 78 Months
5.49%
78 Months
▼
APR5.49%
Term78 Months
Last UpdatedApr 27, 2026
Details
As Low As; 5.49%
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans - 72 Months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 27, 2026
Details
As Low As; 5.49%
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
Auto Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details
GA; As Low As
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Vehicles - Model years 2017 to 2024
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru Used Vehicle Loans Models
5.49%
49 - 60
▼
APR5.49%
Term49 - 60
Last UpdatedMay 2, 2026
Details
As Low As; not over 7 years or 150k miles
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 2, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
6120 NW 1st Pl, Gainesville, FL, 32607
2025 and Newer Autos
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
412 E University Ave, Gainesville, FL, 32601 5452
New Car
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details
up to 84 months
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedApr 18, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
3.49%
48 Months
▼
APR3.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans - 36 Months
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedApr 27, 2026
Details
As Low As; 3.49%
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
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 UpdatedApr 18, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.00%
Up to 66
▼
APR4.00%
TermUp to 66
Last UpdatedApr 26, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.00%
up to 36 months
▼
APR4.00%
Termup to 36 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans - 48 Months
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 27, 2026
Details
As Low As; 4.24%
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
4.25%
12 - 24
▼
APR4.25%
Term12 - 24
Last UpdatedApr 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
New Vehicles
4.40%
36-60
▼
APR4.40%
Term36-60
Last UpdatedApr 19, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.45%
up to 48 months
▼
APR4.45%
Termup to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans - 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 27, 2026
Details
As Low As; 4.49%
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
New Vehicle
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 2, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 25, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.50%
Up to 72
▼
APR4.50%
TermUp to 72
Last UpdatedApr 26, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (2025 & newer)
4.60%
84 Months
▼
APR4.60%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto
4.69%
12 to 48 months
▼
APR4.69%
Term12 to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.70%
up to 60 months
▼
APR4.70%
Termup to 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Auto Loans (New)
4.74%
terms up to 86 months
▼
APR4.74%
Termterms up to 86 months
Last UpdatedApr 25, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans - 66 Months
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedApr 27, 2026
Details
As Low As; 4.74%
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 2, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 25, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto/Van/Truck Loans
4.79%
0-48
▼
APR4.79%
Term0-48
Last UpdatedApr 19, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 2, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.80%
up to 72 months
▼
APR4.80%
Termup to 72 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicles - Model years 2025 or newer
4.94%
Up to 48 months
▼
APR4.94%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
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 UpdatedApr 18, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans - 72 Months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 27, 2026
Details
As Low As; 4.99%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 4.99%
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru New Vehicle Loans
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedMay 2, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 2, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMay 4, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedApr 8, 2026
Details
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.42%
New Vehicle
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 25, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
5.00%
Up to 84
▼
APR5.00%
TermUp to 84
Last UpdatedApr 26, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto/Van/Truck Loans
5.04%
49-66
▼
APR5.04%
Term49-66
Last UpdatedApr 19, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 2, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Automobile
5.10%
36 - 84 months*
▼
APR5.10%
Term36 - 84 months*
Last UpdatedMay 2, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru New Vehicle Loans
5.19%
61 - 72
▼
APR5.19%
Term61 - 72
Last UpdatedMay 2, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans - 75 Months
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 27, 2026
Details
As Low As; 5.24%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle without Auto Pay
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 5.24%
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Car
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 25, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 4, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
Used Auto (Ten Years or Newer)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedApr 18, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
New Vehicles
5.40%
61-84
▼
APR5.40%
Term61-84
Last UpdatedApr 19, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 36 Months
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 60 Months
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 72 Months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
5.49%
78 Months
▼
APR5.49%
Term78 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans - 78 Months
5.49%
78 Months
▼
APR5.49%
Term78 Months
Last UpdatedApr 27, 2026
Details
As Low As; 5.49%
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMay 2, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 2, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
412 E University Ave, Gainesville, FL, 32601 5452
Used Car - less than 100,000 Miles
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details
up to 84 months
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
412 E University Ave, Gainesville, FL, 32601 5452
Used Car - greater than 100,000 Miles
9.00%
72 Months
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details
up to 72 months
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedApr 18, 2026
Details
APR3.50%
Term12-36
Last UpdatedMay 2, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
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 UpdatedApr 18, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans - 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 27, 2026
Details
As Low As; 3.99%
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.00%
Up to 66
▼
APR4.00%
TermUp to 66
Last UpdatedApr 26, 2026
Details
APR4.00%
Term37-48
Last UpdatedMay 2, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
Used Vehicle
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 2, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.50%
Up to 72
▼
APR4.50%
TermUp to 72
Last UpdatedApr 26, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto
4.69%
12 to 48 months
▼
APR4.69%
Term12 to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.70%
up to 48 months
▼
APR4.70%
Termup to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Auto Loans (Used)
4.74%
terms up to 86 months
▼
APR4.74%
Termterms up to 86 months
Last UpdatedApr 25, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans - 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 27, 2026
Details
As Low As; 4.74%
APR4.75%
Term49-60
Last UpdatedMay 2, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Used Auto, Van, Pickup, SUV (2019-2026)
4.75%
0-48 Months
▼
APR4.75%
Term0-48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 2, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Used Vehicles
4.90%
36-60
▼
APR4.90%
Term36-60
Last UpdatedApr 19, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
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 UpdatedApr 18, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.95%
up to 60 months
▼
APR4.95%
Termup to 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans - 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 27, 2026
Details
As Low As; 4.99%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 4.99%
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Used Vehicles
5.00%
12-24
▼
APR5.00%
Term12-24
Last UpdatedApr 25, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
5.00%
Up to 84
▼
APR5.00%
TermUp to 84
Last UpdatedApr 26, 2026
Details
APR5.00%
Term61-72
Last UpdatedMay 2, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 2, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
5.10%
up to 72 months
▼
APR5.10%
Termup to 72 months
Last UpdatedMay 2, 2026
Details
As Low As; APR includes Local Heroes Program Discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - Used Vehicles
5.12%
48 Months
▼
APR5.12%
Term48 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Used Auto Loans
5.12%
48 Months
▼
APR5.12%
Term48 Months
Last UpdatedApr 8, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru Used Vehicle Loans Models
5.19%
24 - 36
▼
APR5.19%
Term24 - 36
Last UpdatedMay 2, 2026
Details
As Low As; not over 7 years or 150k miles
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Car
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans - 66 Months
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedApr 27, 2026
Details
As Low As; 5.24%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle without Auto Pay
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 5.24%
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 2, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
Older Used Autos
5.25%
Up to 66
▼
APR5.25%
TermUp to 66
Last UpdatedApr 26, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
Used Auto (Ten Years or Newer)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedApr 18, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto/Van/Truck Loans
5.29%
0-48
▼
APR5.29%
Term0-48
Last UpdatedApr 19, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru Used Vehicle Loans Models
5.29%
37 - 48
▼
APR5.29%
Term37 - 48
Last UpdatedMay 2, 2026
Details
As Low As; not over 7 years or 150k miles
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle Loans
5.30%
36 months
▼
APR5.30%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Used Autos
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; - Over 3 Years/36000 + Miles
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedApr 18, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Car
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 27, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans - 72 Months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 27, 2026
Details
As Low As; 5.49%
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Vehicles - Model years 2017 to 2024
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru Used Vehicle Loans Models
5.49%
49 - 60
▼
APR5.49%
Term49 - 60
Last UpdatedMay 2, 2026
Details
As Low As; not over 7 years or 150k miles
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As
Powered by
MonitorBankRates
Gainesville, FL Auto Loan Rate Trends
Compare local Gainesville, FL 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
5.632%
▲ 0.555 vs 7 days ago
Florida new auto rates rose 0.555 points over the past 7 days to 5.632% APR.
Used Auto Loan — FL Avg
6.351%
▲ 0.684 vs 7 days ago
Florida used auto rates rose 0.684 points over the past 7 days to 6.351% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Gainesville, 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 Gainesville, 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 Gainesville, 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.
What are the best Auto Loan rates in Gainesville, Florida?
Based on our current data, some of the lowest auto loan rates available in Gainesville, Florida include:
- Midflorida Credit Union: 5.39% (2025 and Newer Autos)
- Self-Help Credit Union: 6.25% (New Car)
- Electricians Local 349 Credit Union: 2.99% (New Car/Truck Loans 20% Down)
- Baxter Credit Union: 3.24% (Auto Loans)
- Memorial Employees Financial Credit Union: 3.24% (Auto Loans (with 10% Down Payment) 2018-2025)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Gainesville, Florida. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 4, 2026
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