Highland Beach, Florida Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Highland Beach, Florida auto loan rates from lenders serving Florida range from 3.24% to 5.00% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Highland Beach, Florida include Tyndall Federal Credit UnionTyndall Federal Credit UnionA+5.0 ★Texas Ratio: 0.96% offering New Auto/Truck at 3.24%, Memorial Employees Financial Credit UnionMemorial Employees Financial Credit UnionA+5.0 ★Texas Ratio: 0.73% offering Auto Loans (with 10% Down Payment) - 2019-2026 at 3.24%, Miami Federal Credit UnionMiami Federal Credit UnionA5.0 ★Texas Ratio: 6.33% offering New Auto at 3.25%, Keys Federal Credit UnionKeys Federal Credit UnionA+5.0 ★Texas Ratio: 5.06% offering Auto Loans at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.87% offering New Auto at 3.34%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Highland Beach borrowers have access to 58 lenders serving the Florida area, with auto loan rates as low as 3.24% APR from Tyndall Federal Credit Union. 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 Highland Beach, Florida. Auto Loan Rates Last Updated and Verified: October 12, 2026
Compare Auto Loan Rates Today in Highland Beach, Florida & Surrounding Area
Highland Beach Auto Loan Rates
Model/Year: 2019-2026
New Auto up to 100% financing
As Low As; Finance up to 125% MSRP (new vehicles) or NADA (used vehicles); No prepayment penalties; Rate based on creditworthiness and term of loan
Rates Effective September 18, 2026.
Published APR range: 3.35% - 18.00%.
Published APR range: 3.49%-17.99%.
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.
Model/Year: 2019-2026
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20263.59%▼ from 4.24%
- Sep 14, 20264.24%first recorded
As low as
- Sep 29, 20263.74%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; Minimum Loan Amount: $5,000.00
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.
Model/Year: 2020-2026
As low as 3.75% with Relationship Rewards
Rates Effective September 18, 2026.
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20263.84%▼ from 4.74%
- Sep 14, 20264.74%first recorded
Purchase transaction only. Other conditions may apply.
Purchase transactions only. Other conditions may apply.
As Low As
As Low As; Rates subject to change.
Term: 72 Months / $20,000.00 Minimum; Published APR range: 3.95% - 18.00%.
based on credit score
based on credit score; As Low As; Fixed
Published APR range: 3.99%-17.99%.
New & Used Automobiles; New Automobile (2025 & newer)
Autos up to 10 years old
Model Year: New Auto 2025 & Newer
Model/Year: 2020-2026
Additional APR listed for this product: 4.49%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20263.99%▼ from 4.49%
- Sep 14, 20264.49%first recorded
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
New Auto up to 100% financing
Fixed
APR includes Local Heroes Program Discount
Rates Effective September 18, 2026.
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.09%▼ from 4.84%
- Sep 14, 20264.84%first recorded
As low as
Fixed
Model Year: New Auto 2025 & Newer
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; Minimum Loan Amount: $5,000.00
- Sep 29, 20264.24%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Minimum Loan Amount: $5,000.00
As Low As
As Low As
Published APR range: 4.24 - 17.97%.
Published APR range: 4.24 - 17.97%.
Published APR range: 4.24 - 17.97%.
Additional APR listed for this product: 4.74%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.24%▼ from 4.74%
- Sep 14, 20264.74%first recorded
Published APR range: 4.24% to 14.99%. Model Year: Newer - 5 recent model years; Payment example: For a $20,000.00 loan for 2022 Chrysler Pacifica Limited, 36 months at 4.24%, the Smart Choice loan monthly payment would be $260.00 with a residual balance of $14,475.00 vs a conventional monthly payment of $593.00. Rates are effective as of January 5, 2026. Refinances from other institutions only.
New Auto up to 100% financing
Fixed
APR includes Local Heroes Program Discount
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Fixed
Loan Payment Example: An Auto Loan of $33,000 at a rate of 4.24% rate (4.39% APR) for a 60-month term would result in a monthly payment of approximately $611.33.
- Oct 10, 20264.39%▼ from 5.40%
- Sep 14, 20265.40%first recorded
Model Year: New Auto 2025 & Newer
As low as
APR includes Local Heroes Program Discount
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20264.44%▼ from 5.34%
- Sep 14, 20265.34%first recorded
Rates as low as 4.47% APR. Loan term based on loan amount, Loan to Value, and age of the vehicle.
As low as; Borrow up to $100,000
Models 2025 or newer (under 10,000 miles); As Low As; 4.74%; 5.24%; 6.24%
As low as
- Sep 29, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Minimum Loan Amount: $5,000.00
As Low As
As Low As
New & Used Automobiles; Used Automobile (2017 & newer)
Credit Score: 720+
Credit Score: 720+
With Auto Pay Discount. Last updated 10/01/2026
- Oct 10, 20264.49%▲ from 4.39%
- Sep 27, 20264.39%first recorded
Published APR range: 4.49% to 16.99%. 4.74% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
Published APR range: 4.49% to 16.99%. 4.74% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
New Auto up to 100% financing
Used Auto up to 100% financing
Published APR range: 4.50% - 15.75%. Ask about our Protection Plans!
Additional APR listed for this product: 5.04%, 6.79%. As low as
APR includes Local Heroes Program Discount
Rates Effective September 18, 2026.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
36 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $893.61. Last updated 10/01/2026
- Oct 10, 20264.59%▲ from 4.39%
- Sep 27, 20264.39%first recorded
Additional APR listed for this product: 5.09%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.59%▼ from 5.09%
- Sep 18, 20265.09%first recorded
As Low As
As Low As; Rates subject to change.
Fixed APR as low as
Loan amount must be $35,000.00 or greater to qualify for 84-month term. As Low As; The rate you receive is based on your credit history, collateral, loan term, loan to value and direct deposit relationship. Rates and terms are subject to change without notice. Not all applicants will qualify for the lowest rate.
- Oct 5, 20264.60%▲ from 4.34%
- Oct 1, 20264.34%first recorded
As low as 4.60%*; Applies to applicants with direct deposit of net pay and a checking account.
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.69%▼ from 5.09%
- Sep 22, 20265.09%▲ from 4.69%
- Sep 18, 20264.69%▼ from 5.59%
- Sep 14, 20265.59%first recorded
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+
As Low As; Percent Financed: up to 100%
APR includes Local Heroes Program Discount
My Rate FL Average - New Auto - 60 Mo: 5.86% APR *
Models 2025 or newer (under 10,000 miles); As Low As; 4.49%; 5.24%; 6.24%
Models between 2019 - 2026 (between 10,001 and 100,000 miles); As Low As; 4.99%; 5.49%; 6.49%
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As low as
- Sep 29, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Minimum Loan Amount: $5,000.00
Rates as low as
- Oct 9, 20264.74%▲ from 4.49%
- Sep 21, 20264.49%first recorded
Rates as low as
- Oct 9, 20264.74%▲ from 4.49%
- Sep 21, 20264.49%first recorded
Published APR range: 4.74 - 17.97%.
Published APR range: 4.74 - 17.97%.
Published APR range: 4.74 - 17.97%.
Published APR range: 4.74 - 17.97%.
Credit Score: 720+
With Auto Pay Discount. Last updated 10/01/2026
- Oct 10, 20264.74%▲ from 4.69%
- Sep 27, 20264.69%first recorded
- Oct 10, 20264.74%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As low as; Mileage could affect the maximum term allowed. Max mileage is 100,000.; Model Year: 2025 - 2026
As low as; Borrow up to $100,000
New Auto up to 100% financing
Used Auto up to 100% financing
As Low As; Lowest possible APR of 4.75% available for well-qualified borrowers. Actual rate and approval subject to creditworthiness, loan amount, and loan term. Promotional Loan offer available for a limited time for consumer loans on vehicles, including cars, trucks, SUVs, and vans. Model years 2020 or newer. Refinances must be from lenders other than SACFCU. Refinances must be for at least $15,000. Other terms and conditions may apply. Subject to credit approval and membership eligibility. You can bank with us if you live, work, worship, conduct business, or attend school in eastern Pasco or eastern Hernando Counties. Speak to a member of our team for full details of the offer. Consumer Lending Team: (352) 588-2732 ext. 1500.
Published APR range: 4.75% - 16.50%. Ask about our Protection Plans!
Additional APR listed for this product: 5.75%.
Fixed
APR includes Local Heroes Program Discount
Model/Year: 2021-2026
Additional APR listed for this product: 5.29%. As low as
As Low As
As Low As; Rates subject to change.
Fixed APR as low as
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; Loan Term
48 months at 4.840% (4.840% APR) for a $30,000 loan would result in a monthly payment of $688.71. Last updated 10/01/2026
- Oct 10, 20264.84%▲ from 4.69%
- Sep 27, 20264.69%first recorded
Additional APR listed for this product: 5.34%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.84%▼ from 5.34%
- Sep 14, 20265.34%first recorded
Fixed APR as low as
APR includes Local Heroes Program Discount
Term: 6 years (over $15,000); As low as 4.85%*; Applies to applicants with direct deposit of net pay and a checking account.
Model Year: New Auto 2025 & Newer
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As low as
Term: 84 Months / $30,000.00 Minimum; Published APR range: 4.95% - 18.00%.
As Low As
As Low As
- Oct 5, 20264.99%▲ from 4.24%
- Sep 14, 20264.24%first recorded
Models between 2019 - 2026 (between 10,001 and 100,000 miles); As Low As; 4.74%; 5.49%; 6.49%
As Low As
As Low As
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As low as
- Sep 29, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Minimum Loan Amount: $5,000.00
- Sep 29, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Minimum Loan Amount: $5,000.00
As low as; 100% Amount Financed
As Low As
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Credit Score: 720+
Credit Score: 680-719
Credit Score: 720+
FL; As Low As; Payment Per $1,000 Borrowed: $23.07
36 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $898.99. Last updated 10/01/2026
- Oct 10, 20264.99%▲ from 4.89%
- Sep 14, 20264.89%first recorded
Published APR range: 4.99% - 10.34%.
- Oct 10, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Published APR range: 4.99% - 17.99%; Published rate range: 4.99% - 17.99%. 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 4.99% APR is $44.23. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria.
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; Borrow up to $100,000
Highland Beach New Auto Auto Loan Rates
New Auto up to 100% financing
Rates Effective September 18, 2026.
Published APR range: 3.35% - 18.00%.
Published APR range: 3.49%-17.99%.
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.
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20263.59%▼ from 4.24%
- Sep 14, 20264.24%first recorded
As low as
- Sep 29, 20263.74%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20263.84%▼ from 4.74%
- Sep 14, 20264.74%first recorded
Purchase transaction only. Other conditions may apply.
As Low As
As Low As; Rates subject to change.
Term: 72 Months / $20,000.00 Minimum; Published APR range: 3.95% - 18.00%.
based on credit score
New & Used Automobiles; New Automobile (2025 & newer)
Autos up to 10 years old
Model Year: New Auto 2025 & Newer
New Auto up to 100% financing
Fixed
APR includes Local Heroes Program Discount
Rates Effective September 18, 2026.
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.09%▼ from 4.84%
- Sep 14, 20264.84%first recorded
As low as
Fixed
Model Year: New Auto 2025 & Newer
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 4.24 - 17.97%.
Published APR range: 4.24 - 17.97%.
Published APR range: 4.24 - 17.97%.
New Auto up to 100% financing
Fixed
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Fixed
Model Year: New Auto 2025 & Newer
As low as
APR includes Local Heroes Program Discount
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20264.44%▼ from 5.34%
- Sep 14, 20265.34%first recorded
Models 2025 or newer (under 10,000 miles); As Low As; 4.74%; 5.24%; 6.24%
As low as
- Sep 29, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Minimum Loan Amount: $5,000.00
Credit Score: 720+
Credit Score: 720+
With Auto Pay Discount. Last updated 10/01/2026
- Oct 10, 20264.49%▲ from 4.39%
- Sep 27, 20264.39%first recorded
Published APR range: 4.49% to 16.99%. 4.74% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
New Auto up to 100% financing
APR includes Local Heroes Program Discount
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
36 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $893.61. Last updated 10/01/2026
- Oct 10, 20264.59%▲ from 4.39%
- Sep 27, 20264.39%first recorded
As Low As
As Low As; Rates subject to change.
Fixed APR as low as
Loan amount must be $35,000.00 or greater to qualify for 84-month term. As Low As; The rate you receive is based on your credit history, collateral, loan term, loan to value and direct deposit relationship. Rates and terms are subject to change without notice. Not all applicants will qualify for the lowest rate.
- Oct 5, 20264.60%▲ from 4.34%
- Oct 1, 20264.34%first recorded
As low as 4.60%*; Applies to applicants with direct deposit of net pay and a checking account.
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.69%▼ from 5.09%
- Sep 22, 20265.09%▲ from 4.69%
- Sep 18, 20264.69%▼ from 5.59%
- Sep 14, 20265.59%first recorded
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Percent Financed: up to 100%
My Rate FL Average - New Auto - 60 Mo: 5.86% APR *
Models 2025 or newer (under 10,000 miles); As Low As; 4.49%; 5.24%; 6.24%
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As low as
- Sep 29, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Minimum Loan Amount: $5,000.00
Rates as low as
- Oct 9, 20264.74%▲ from 4.49%
- Sep 21, 20264.49%first recorded
Rates as low as
- Oct 9, 20264.74%▲ from 4.49%
- Sep 21, 20264.49%first recorded
Published APR range: 4.74 - 17.97%.
With Auto Pay Discount. Last updated 10/01/2026
- Oct 10, 20264.74%▲ from 4.69%
- Sep 27, 20264.69%first recorded
- Oct 10, 20264.74%▼ from 4.99%
- Sep 14, 20264.99%first recorded
New Auto up to 100% financing
Fixed
APR includes Local Heroes Program Discount
Fixed APR as low as
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
48 months at 4.840% (4.840% APR) for a $30,000 loan would result in a monthly payment of $688.71. Last updated 10/01/2026
- Oct 10, 20264.84%▲ from 4.69%
- Sep 27, 20264.69%first recorded
Fixed APR as low as
Term: 6 years (over $15,000); As low as 4.85%*; Applies to applicants with direct deposit of net pay and a checking account.
Model Year: New Auto 2025 & Newer
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Term: 84 Months / $30,000.00 Minimum; Published APR range: 4.95% - 18.00%.
As Low As
- Oct 5, 20264.99%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As
As Low As
As low as
- Sep 29, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Minimum Loan Amount: $5,000.00
As low as; 100% Amount Financed
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Credit Score: 720+
Credit Score: 680-719
FL; As Low As; Payment Per $1,000 Borrowed: $23.07
Published APR range: 4.99% - 17.99%; Published rate range: 4.99% - 17.99%. 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 4.99% APR is $44.23. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria.
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.
Highland Beach Used Auto Auto Loan Rates
Published APR range: 3.35% - 18.00%.
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 September 18, 2026.
Purchase transactions only. Other conditions may apply.
Term: 72 Months / $20,000.00 Minimum; Published APR range: 3.95% - 18.00%.
based on credit score; As Low As; Fixed
Published APR range: 3.99%-17.99%.
Autos up to 10 years old
Additional APR listed for this product: 4.49%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20263.99%▼ from 4.49%
- Sep 14, 20264.49%first recorded
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; Minimum Loan Amount: $5,000.00
- Sep 29, 20264.24%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Minimum Loan Amount: $5,000.00
Additional APR listed for this product: 4.74%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.24%▼ from 4.74%
- Sep 14, 20264.74%first recorded
APR includes Local Heroes Program Discount
New & Used Automobiles; Used Automobile (2017 & newer)
Published APR range: 4.49% to 16.99%. 4.74% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
Used Auto up to 100% financing
Published APR range: 4.50% - 15.75%. Ask about our Protection Plans!
Rates Effective September 18, 2026.
Additional APR listed for this product: 5.09%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.59%▼ from 5.09%
- Sep 18, 20265.09%first recorded
As Low As; Loan Amount: $2,500+
As Low As; Percent Financed: up to 100%
APR includes Local Heroes Program Discount
Models between 2019 - 2026 (between 10,001 and 100,000 miles); As Low As; 4.99%; 5.49%; 6.49%
Published APR range: 4.74 - 17.97%.
Published APR range: 4.74 - 17.97%.
Published APR range: 4.74 - 17.97%.
Credit Score: 720+
As low as; Mileage could affect the maximum term allowed. Max mileage is 100,000.; Model Year: 2025 - 2026
Used Auto up to 100% financing
Published APR range: 4.75% - 16.50%. Ask about our Protection Plans!
As Low As
As Low As; Rates subject to change.
Additional APR listed for this product: 5.34%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.84%▼ from 5.34%
- Sep 14, 20265.34%first recorded
APR includes Local Heroes Program Discount
As low as
Term: 84 Months / $30,000.00 Minimum; Published APR range: 4.95% - 18.00%.
As Low As
- Oct 5, 20264.99%▲ from 4.24%
- Sep 14, 20264.24%first recorded
Models between 2019 - 2026 (between 10,001 and 100,000 miles); As Low As; 4.74%; 5.49%; 6.49%
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; Minimum Loan Amount: $5,000.00
- Sep 29, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Minimum Loan Amount: $5,000.00
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Published APR range: As low as 4.99% *. FAM Annual Percentage Rate
- Oct 1, 20264.99%▲ from 3.99%
- Sep 22, 20263.99%first recorded
Credit Score: 720+
36 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $898.99. Last updated 10/01/2026
- Oct 10, 20264.99%▲ from 4.89%
- Sep 14, 20264.89%first recorded
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.
Highland Beach, FL Auto Loan Rate Trends
Compare local Highland Beach, 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 rose 0.001 points over the past 7 days to 4.984% APR.
Florida used auto rates fell 0.001 points over the past 7 days to 5.578% APR.
Highland Beach, 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 @ 4.98% APR FL average | Used Auto @ 5.58% APR FL average | Monthly Difference |
|---|---|---|---|
| $15,000 | $282.96/mo | $287.05/mo | $4.10/mo |
| $25,000 | $471.60/mo | $478.42/mo | $6.83/mo |
| $35,000 | $660.24/mo | $669.79/mo | $9.56/mo |
| $45,000 | $848.88/mo | $861.16/mo | $12.29/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 Highland Beach, Florida
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Highland Beach, 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 Highland Beach, 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: Highland Beach, Florida CD rates lock in a guaranteed return until you’re ready to buy
Highland Beach, Florida Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $566 monthly car payment works out to roughly 9.6% of the median individual income in Highland Beach, Florida. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Highland Beach, 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 to 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 to 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 Highland Beach, 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 Highland Beach, 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 Highland Beach, 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 Highland Beach, 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.
Bad Credit Auto Loans in Highland Beach, Florida
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Highland Beach, 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 Highland Beach, 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?
Can I get an auto loan with bad credit in Highland Beach, Florida?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Highland Beach, Florida?
- Tyndall Federal Credit Union: 3.24% (New Auto/Truck)
- Memorial Employees Financial Credit Union: 3.24% (Auto Loans (with 10% Down Payment) - 2019-2026)
- Miami Federal Credit Union: 3.25% (New Auto)
- Keys Federal Credit Union: 3.25% (Auto Loans)
- American Airlines Federal Credit Union: 3.34% (New Auto)
Highland Beach, Florida Rates & Resources
