Haines City, Florida Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Haines City, Florida include SouthState BankSouthState Bank36099 Us Hwy 27 N, Haines City, FL, 33844A+5.0 ★Texas Ratio: 2.96% offering New Cars Loan at 5.23%, Midflorida Credit UnionMidflorida Credit Union35849 US Hwy 27 N, Haines City, FL, 33844A+5.0 ★Texas Ratio: 2.43% offering Vehicle Loan (2025 and Newer Autos) at 5.64%, Memorial Employees Financial Credit UnionMemorial Employees Financial Credit UnionA+5.0 ★Texas Ratio: 0.95% offering Auto Loans at 3.24%, Keys Federal Credit UnionKeys Federal Credit UnionA+5.0 ★Texas Ratio: 5.67% offering New & Used Vehicle Loans at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.50% offering New Auto at 3.34%. Auto loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
Haines City has 2 local institutions in our database, with auto loan rates as low as 5.23% APR from SouthState Bank at 36099 Us Hwy 27 N, Haines City, FL, 33844. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Haines City, Florida. Auto Loan Rates Last Updated and Verified: September 16, 2026
Compare Auto Loan Rates Today in Haines City, Florida & Surrounding Area
Haines City Auto Loan Rates
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
As Low As
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
As Low As
As Low As; Eligible model years 2023-2026. Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
As Low As
As Low As
Model/Year: 2019-2026; 10% Down Payment
Rates as low as 3.25% APR; Finance up to 125% MSRP (new vehicles) or NADA (used vehicles); 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!
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As Low As; 0% Down Payment
As low as
As Low As
New Automobile rate as low as 3.49% for a term of 36 months. 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.
As low as; New cars are financed for a term up to 72 months. Used cars may be financed from 24 to 60 months depending on the year of the car.
As low as; Auto Buying Service APR - 2025 & Newer as low as 2.64%
As Low As; 2025 & Newer
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
Model/Year: 2020-2026; 10% Down Payment
Used Automobile rate as low as 3.74% for a term of 36 months. 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.
with Relationship Rewards
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As low as
As Low As; 2025 & Newer
Purchase transaction only. Other conditions may apply.
Purchase transactions only. Other conditions may apply.
As Low As; Highest APR* is 18.00% (Autos up to 10 years old)
As Low As
As low as; Model Year: New Auto 2025 & Newer
As Low As; 0% Down Payment
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Minimum Loan Amount: $5,000.00
As Low As; based on credit score
As Low As; based on credit score
New Automobile (2025 & newer)
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As Low As; APR includes Local Heroes Program Discount
Fixed Rate
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Fixed Rate
As low as; Model Year: New Auto 2025 & Newer
Payment example based on a $20,000 loan.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As low as
As Low As
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As Low As; APR includes Local Heroes Program Discount; (2021 or older incurs 1% rate add-on)
Ask about our Protection Plans!
Fixed Rate
Fixed Rate
As low as; Model Year: New Auto 2025 & Newer
As low as; Auto Buying Service APR - 2022 - 2024* as low as 3.64%
As Low As; 2022 - 2024*
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
As Low As; APR includes Local Heroes Program Discount
As low as
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Borrow up to $100,000
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Models 2025 or newer (under 10,000 miles)
As Low As
As low as
As Low As
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
Rates as low as; APR based on creditworthiness, loan amount, and term of the loan.
Rates as low as; APR based on creditworthiness, loan amount, and term of the loan.
Used Automobile (2017 & newer)
Rates will not be offered below the floor rate of 4.99% APR. This offer cannot be combined with any other promotions. All applicants must qualify for membership with Connect Credit Union.
Credit Score: 720+
Credit Score: 720+
Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. 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. All rates are subject to change without notice. For complete terms and conditions contact Members First Credit Union of FL at (850) 434-2211.
Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. 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. All rates are subject to change without notice. For complete terms and conditions contact Members First Credit Union of FL at (850) 434-2211.
Ask about our Protection Plans!
Ask about our Protection Plans!
As low as
As Low As; APR includes Local Heroes Program Discount
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more 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.
Up to 100% financing (Current Year or Previous with Less Than 15k Miles)
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
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
Loan Amount: $2,500+
As Low As; APR includes Local Heroes Program Discount; (2021 or older incurs 1% rate add-on)
As Low As; Percent Financed: up to 100%
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
APR range: 4.74% - 10.034%
Rates as of 09/9/2026. Maximum loan term will depend on the age of collateral and/or the size of the loan. Monthly payments per $1,000 for up to 24 months at 4.74% APR is $44.10. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria.
My Rate
Models 2025 or newer (under 10,000 miles)
Models between 2019 - 2026 (between 10,001 and 100,000 miles)
As low as
As Low As
As Low As; Minimum Loan Amount: $5,000.00
Rates will not be offered below the floor rate of 4.99% APR. This offer cannot be combined with any other promotions. All applicants must qualify for membership with Connect Credit Union.
Credit Score: 720+
As Low As; Borrow up to $100,000
Best for new or used autos. Special rate for EV and Hybrid cars/trucks. No application fee2. No prepayment penalty.
As Low As; APR includes Local Heroes Program Discount
As Low As; Model Year: 2025-present
Model/Year: 2021-2026; 10% Down Payment
Ask about our Protection Plans!
Fixed Rate
APR as low as; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 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.
Rate will not go below 4.50% APR. Longer terms may be available for highly qualified borrowers with adequate collateral.
Rate applies to 37 - 48 Months
As low as
Payment example based on a $20,000 loan.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; APR includes Local Heroes Program Discount; (2021 or older incurs 1% rate add-on)
Term: 6 years (over $15,000); 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.
As low as; Model Year: New Auto 2025 & Newer
As low as
As low as; **76-84 month term available for model years 2025 and newer only.
As Low As; 2022 - 2024*
As Low As; 2025 & Newer
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
Loan Amount: $2,500+
As low as; Fixed
As low as; Fixed
As Low As*; Model Year: 2020 - 2026
As low as
Up to 100% financing (Current Year or Previous with Less Than 15k Miles)
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As low as; Model Year: 2023 - 2024
As Low As
Models between 2019 - 2026 (between 10,001 and 100,000 miles)
As Low As
As Low As
As low as
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Amount Financed: 100%
Up to 120% Financing on Approved Credit
Rates as low as; APR based on creditworthiness, loan amount, and term of the loan.
As low as
As low as
As Low As; Starting at
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.
Credit Score: 680-719
Credit Score: 720+
Credit Score: 720+
FL; As Low As
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history 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.
As Low As; Special Rate
As Low As; Borrow up to $100,000
As Low As; 0% Down Payment
Ask about our Protection Plans!
Haines City New Auto Auto Loan Rates
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
As Low As
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Rates as low as 3.25% APR; Finance up to 125% MSRP (new vehicles) or NADA (used vehicles); 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!
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As low as
As Low As
New Automobile rate as low as 3.49% for a term of 36 months. 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.
As low as; New cars are financed for a term up to 72 months. Used cars may be financed from 24 to 60 months depending on the year of the car.
As low as; Auto Buying Service APR - 2025 & Newer as low as 2.64%
As Low As; 2025 & Newer
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As low as
As Low As; 2025 & Newer
Purchase transaction only. Other conditions may apply.
As Low As; Highest APR* is 18.00% (Autos up to 10 years old)
As low as; Model Year: New Auto 2025 & Newer
As Low As; based on credit score
New Automobile (2025 & newer)
As Low As; APR includes Local Heroes Program Discount
Fixed Rate
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Fixed Rate
As low as; Model Year: New Auto 2025 & Newer
Payment example based on a $20,000 loan.
As Low As
As low as
As Low As
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
Ask about our Protection Plans!
Fixed Rate
Fixed Rate
As low as; Model Year: New Auto 2025 & Newer
As Low As; 2022 - 2024*
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
As Low As; APR includes Local Heroes Program Discount
As low as
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Models 2025 or newer (under 10,000 miles)
As Low As
As low as
As Low As
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
Rates as low as; APR based on creditworthiness, loan amount, and term of the loan.
Rates as low as; APR based on creditworthiness, loan amount, and term of the loan.
Rates will not be offered below the floor rate of 4.99% APR. This offer cannot be combined with any other promotions. All applicants must qualify for membership with Connect Credit Union.
Credit Score: 720+
Credit Score: 720+
Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. 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. All rates are subject to change without notice. For complete terms and conditions contact Members First Credit Union of FL at (850) 434-2211.
Ask about our Protection Plans!
As low as
As Low As; APR includes Local Heroes Program Discount
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.
Up to 100% financing (Current Year or Previous with Less Than 15k Miles)
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
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
As Low As; Percent Financed: up to 100%
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Rates as of 09/9/2026. Maximum loan term will depend on the age of collateral and/or the size of the loan. Monthly payments per $1,000 for up to 24 months at 4.74% APR is $44.10. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria.
My Rate
Models 2025 or newer (under 10,000 miles)
As low as
As Low As
Rates will not be offered below the floor rate of 4.99% APR. This offer cannot be combined with any other promotions. All applicants must qualify for membership with Connect Credit Union.
As Low As; APR includes Local Heroes Program Discount
As Low As; Model Year: 2025-present
Fixed Rate
APR as low as; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 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.
As low as
Payment example based on a $20,000 loan.
Term: 6 years (over $15,000); 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.
As low as; Model Year: New Auto 2025 & Newer
As low as; **76-84 month term available for model years 2025 and newer only.
As Low As; 2022 - 2024*
As Low As; 2025 & Newer
As low as; Fixed
As low as; Fixed
Up to 100% financing (Current Year or Previous with Less Than 15k Miles)
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As
As Low As
As Low As
As low as
As Low As
As Low As; Amount Financed: 100%
Up to 120% Financing on Approved Credit
Rates as low as; APR based on creditworthiness, loan amount, and term of the loan.
As low as
As Low As; Starting at
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.
Credit Score: 680-719
Credit Score: 720+
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history 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.
As Low As; Special Rate
Ask about our Protection Plans!
Haines City Used Auto Auto Loan Rates
As Low As; Eligible model years 2023-2026. Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Rates as low as 3.25% APR; Finance up to 125% MSRP (new vehicles) or NADA (used vehicles); 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!
As low as; New cars are financed for a term up to 72 months. Used cars may be financed from 24 to 60 months depending on the year of the car.
Used Automobile rate as low as 3.74% for a term of 36 months. 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.
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Purchase transactions only. Other conditions may apply.
As Low As; Highest APR* is 18.00% (Autos up to 10 years old)
As Low As
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Minimum Loan Amount: $5,000.00
As Low As; based on credit score
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As Low As; APR includes Local Heroes Program Discount; (2021 or older incurs 1% rate add-on)
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
Used Automobile (2017 & newer)
Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. 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. All rates are subject to change without notice. For complete terms and conditions contact Members First Credit Union of FL at (850) 434-2211.
Ask about our Protection Plans!
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As Low As; APR includes Local Heroes Program Discount; (2021 or older incurs 1% rate add-on)
As Low As; Percent Financed: up to 100%
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Models between 2019 - 2026 (between 10,001 and 100,000 miles)
As Low As; Minimum Loan Amount: $5,000.00
Credit Score: 720+
Ask about our Protection Plans!
Rate applies to 37 - 48 Months
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; APR includes Local Heroes Program Discount; (2021 or older incurs 1% rate add-on)
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
As Low As*; Model Year: 2020 - 2026
As low as
As Low As
Models between 2019 - 2026 (between 10,001 and 100,000 miles)
As Low As; Minimum Loan Amount: $5,000.00
Up to 120% Financing on Approved Credit
As low as
Credit Score: 720+
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history 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.
Haines City, FL Auto Loan Rate Trends
Compare local Haines City, 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.
Florida new auto rates fell 0.320 points over the past 7 days to 5.204% APR.
Florida used auto rates fell 0.066 points over the past 7 days to 5.797% APR.
Haines City, FL Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Florida figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
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 @ 5.20% APR FL average | Used Auto @ 5.80% APR FL average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.47/mo | $288.58/mo | $4.11/mo |
| $25,000 | $474.12/mo | $480.96/mo | $6.84/mo |
| $35,000 | $663.77/mo | $673.35/mo | $9.58/mo |
| $45,000 | $853.42/mo | $865.73/mo | $12.32/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.
How to Get the Best Auto Loan Rate in Haines City, Florida
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Haines City, 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.
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.
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.
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.
- Saving up for a bigger down payment: park it in a Haines City, 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: Haines City, 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 (state-level data shown; city data not available)
A $569 monthly car payment works out to roughly 16.3% 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 Haines City, 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 Haines City, 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.
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 Haines City, 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 Haines City, 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 Haines City, 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 Haines City, Florida
How does my credit score affect my car loan rate in Florida?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Haines City, Florida?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Haines City, Florida?
- SouthState Bank: 5.23% (New Cars Loan)
- Midflorida Credit Union: 5.64% (Vehicle Loan (2025 and Newer Autos))
- Memorial Employees Financial Credit Union: 3.24% (Auto Loans)
- Keys Federal Credit Union: 3.25% (New & Used Vehicle Loans)
- American Airlines Federal Credit Union: 3.34% (New Auto)
Haines City, Florida Rates & Resources
