Auto Loan Rates in Lakeland, 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 Lakeland, Florida. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Lakeland, Florida include Baxter Credit UnionBaxter Credit Union3535 W Pipkin Rd, Lakeland, FL, 33811 2882A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Trax Federal Credit UnionTrax Federal Credit Union2315 Drane Field Rd, Lakeland, FL, 33811A+5.0 ★Texas Ratio: 5.81% offering New Automobile at 5.10%, Florida Central Credit UnionFlorida Central Credit Union4630 S Florida Ave, Lakeland, FL, 33813 2122A+5.0 ★Texas Ratio: 4.30% offering New Car at 5.25%, Midflorida Credit UnionMidflorida Credit Union129 S Kentucky Ave, Lakeland, FL, 33801A+5.0 ★Texas Ratio: 2.45% offering 2025 and Newer Autos at 5.39%, My Pensacola Federal Credit UnionMy Pensacola Federal Credit UnionA+5.0 ★Texas Ratio: 0.89% offering Celebrating Our Members Auto Loans (New) Special at 3.15%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Lakeland has 4 local institutions in our database, with auto loan rates as low as 3.24% APR from Baxter Credit Union at 3535 W Pipkin Rd, Lakeland, FL, 33811 2882. 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 Lakeland, Florida. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Lakeland, Florida & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
3535 W Pipkin Rd, Lakeland, FL, 33811 2882
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
3535 W Pipkin Rd, Lakeland, FL, 33811 2882
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
3535 W Pipkin Rd, Lakeland, FL, 33811 2882
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
3535 W Pipkin Rd, Lakeland, FL, 33811 2882
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
2315 Drane Field Rd, Lakeland, FL, 33811
New Automobile
5.10%
36 - 84
▼
APR5.10%
Term36 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4630 S Florida Ave, Lakeland, FL, 33813 2122
New Car
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4630 S Florida Ave, Lakeland, FL, 33813 2122
New Car (as low as)
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details
As Low As
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
129 S Kentucky Ave, Lakeland, FL, 33801
2025 and Newer Autos
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
2315 Drane Field Rd, Lakeland, FL, 33811
Used Automobile
5.60%
36 - 84
▼
APR5.60%
Term36 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
129 S Kentucky Ave, Lakeland, FL, 33801
2024 Autos
5.64%
72 Months
▼
APR5.64%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4630 S Florida Ave, Lakeland, FL, 33813 2122
Used Car
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4630 S Florida Ave, Lakeland, FL, 33813 2122
Used Car (as low as)
5.75%
Up to 72 months
▼
APR5.75%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
3535 W Pipkin Rd, Lakeland, FL, 33811 2882
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
129 S Kentucky Ave, Lakeland, FL, 33801
2023 Autos
6.14%
72 Months
▼
APR6.14%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
129 S Kentucky Ave, Lakeland, FL, 33801
2022 and 2021 Autos
6.89%
72 Months
▼
APR6.89%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Celebrating Our Members Auto Loans (New) Special
3.15%
24 Months
▼
APR3.15%
Term24 Months
Last UpdatedMay 6, 2026
Details
special rate up to 24 months*
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Celebrating Our Members Auto Loans (Used) Special
3.15%
24 Months
▼
APR3.15%
Term24 Months
Last UpdatedMay 6, 2026
Details
special rate up to 24 months*
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New & Used Autos
3.19%
84 Months
▼
APR3.19%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; (Autos up to 10 years old)
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 10% Down Payment) 2019-2026
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMay 12, 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)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
New Automobile
3.49%
24-84 Months
▼
APR3.49%
Term24-84 Months
Last UpdatedMay 10, 2026
Details
As Low As
EMERALD COAST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles (2025 and Newer)
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 0% Down Payment) 2019-2026
3.49%
24 Months
▼
APR3.49%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR3.50%
Term12-36
Last UpdatedMay 12, 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 UpdatedMay 7, 2026
Details
As Low As
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
Used Automobile
3.74%
24-84 Months
▼
APR3.74%
Term24-84 Months
Last UpdatedMay 10, 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 & older
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMay 12, 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) 2020-2026
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMay 12, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As; 24 month to 84 month terms
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 UpdatedMay 7, 2026
Details
As Low As
EMERALD COAST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles (2024 and Older)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 0% Down Payment) 2019 & older
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 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) 2020-2026
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
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%
66 Months
▼
APR4.00%
Term66 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
APR4.00%
Term37-48
Last UpdatedMay 12, 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 12, 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 UpdatedMay 10, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 6, 2026
Details
As Low As
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 UpdatedMay 10, 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 12, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedMay 12, 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 UpdatedMay 10, 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 UpdatedMay 12, 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 12, 2026
Details
As Low As; APR includes Local Heroes Program Discount
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 UpdatedMay 7, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 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
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
CREDIT SCORE 720+
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
New Vehicle
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedMay 12, 2026
Details
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
Used Vehicle
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedMay 12, 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 UpdatedMay 6, 2026
Details
As Low As
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%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (2025 & newer)
4.50%
up to 84 Months1
▼
APR4.50%
Termup to 84 Months1
Last UpdatedMay 10, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
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 UpdatedMay 6, 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 UpdatedMay 6, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loan
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.70%
up to 60 months
▼
APR4.70%
Termup to 60 months
Last UpdatedMay 12, 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 12, 2026
Details
As Low As; APR includes Local Heroes Program Discount
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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 7, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 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
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 12, 2026
Details
CREDIT SCORE 720+
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 12, 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 12, 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
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 UpdatedMay 6, 2026
Details
As Low As
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 UpdatedMay 10, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
4.75%
up to 72 months
▼
APR4.75%
Termup to 72 months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.75%
Term49-60
Last UpdatedMay 12, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 10% Down Payment) 2021-2026
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 12, 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 UpdatedMay 10, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 12, 2026
Details
36 months at 4.790% (4.790% APR) for a $30,000 loan would result in a monthly payment of $896.30. Last updated 05/01/2026
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 12, 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 12, 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 12, 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 UpdatedMay 6, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedMay 6, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 7, 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 UpdatedMay 12, 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 12, 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 UpdatedMay 7, 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 12, 2026
Details
As Low As; APR includes Local Heroes Program Discount
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
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 UpdatedMay 7, 2026
Details
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2019-2020
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2021-2022
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2023-2025
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Over $40,000, + 1% APR)
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New Cars, Trucks, Vans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
CREDIT SCORE 720+
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 12, 2026
Details
48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74. Last updated 05/01/2026
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 12, 2026
Details
As Low As
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 12, 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 12, 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 12, 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 12, 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 UpdatedMay 6, 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 UpdatedMay 6, 2026
Details
As Low As; 1-2 yrs. old
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%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As; Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 12, 2026
Details
APR5.00%
Term61-72
Last UpdatedMay 12, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 0% Down Payment) 2021-2026
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loan
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedMay 6, 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 UpdatedMay 10, 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 12, 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 12, 2026
Details
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 12, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedMay 7, 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 12, 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 UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 10, 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 UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedMay 6, 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 12, 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 12, 2026
Details
As Low As; not over 7 years or 150k miles
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMay 6, 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 UpdatedMay 7, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 7, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Used Cars, Trucks, Vans
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedMay 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
▼
APR5.24%
Term83 Months
Last UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
▼
APR5.24%
Term83 Months
Last UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
CREDIT SCORE 680-719
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
New Auto Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
Bay; 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 12, 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 12, 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 12, 2026
Details
As Low As
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 12, 2026
Details
As Low As
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
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 UpdatedMay 6, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
Older Used Autos
5.25%
66 Months
▼
APR5.25%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto
5.25%
78 Months
▼
APR5.25%
Term78 Months
Last UpdatedMay 10, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto
5.25%
78 Months
▼
APR5.25%
Term78 Months
Last UpdatedMay 10, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 12, 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 12, 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 12, 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 UpdatedMay 6, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMay 12, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
5.35%
60 Months
▼
APR5.35%
Term60 Months
Last UpdatedMay 12, 2026
Details
60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96. Last updated 05/01/2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedMay 6, 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 UpdatedMay 12, 2026
Details
As Low As
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Used Auto, Van, Pickup, SUV (2019-2026)
5.49%
49-66 Months
▼
APR5.49%
Term49-66 Months
Last UpdatedMay 4, 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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 7, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New Cars, Trucks, Vans
5.49%
37-48 months
▼
APR5.49%
Term37-48 months
Last UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle without Auto Pay
5.49%
83 Months
▼
APR5.49%
Term83 Months
Last UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle without Auto Pay
5.49%
83 Months
▼
APR5.49%
Term83 Months
Last UpdatedMay 10, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Used Autos
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; - Over 3 Years/36000 + Miles
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Insight Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
New Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 12, 2026
Details
CREDIT SCORE 720+
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 12, 2026
Details
GA; 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 12, 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 12, 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 12, 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 12, 2026
Details
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 12, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Used Vehicles
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; 1-2 yrs. old
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New Autos
5.50%
0-48
▼
APR5.50%
Term0-48
Last UpdatedMay 10, 2026
Details
As Low As; based on credit score
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
2315 Drane Field Rd, Lakeland, FL, 33811
New Automobile
5.10%
36 - 84
▼
APR5.10%
Term36 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4630 S Florida Ave, Lakeland, FL, 33813 2122
New Car
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4630 S Florida Ave, Lakeland, FL, 33813 2122
New Car (as low as)
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details
As Low As
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
129 S Kentucky Ave, Lakeland, FL, 33801
2025 and Newer Autos
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Celebrating Our Members Auto Loans (New) Special
3.15%
24 Months
▼
APR3.15%
Term24 Months
Last UpdatedMay 6, 2026
Details
special rate up to 24 months*
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New & Used Autos
3.19%
84 Months
▼
APR3.19%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; (Autos up to 10 years old)
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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
New Automobile
3.49%
24-84 Months
▼
APR3.49%
Term24-84 Months
Last UpdatedMay 10, 2026
Details
As Low As
EMERALD COAST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles (2025 and Newer)
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Rate listed is for a 36-month term. For longer term rates contact Credit Union.
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 UpdatedMay 7, 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 UpdatedMay 7, 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%
66 Months
▼
APR4.00%
Term66 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 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 12, 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 UpdatedMay 10, 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 UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 6, 2026
Details
As Low As
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 UpdatedMay 10, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedMay 12, 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 UpdatedMay 10, 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 UpdatedMay 12, 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 12, 2026
Details
As Low As; APR includes Local Heroes Program Discount
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 UpdatedMay 7, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 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
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
CREDIT SCORE 720+
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
New Vehicle
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedMay 12, 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 UpdatedMay 6, 2026
Details
As Low As
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%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (2025 & newer)
4.50%
up to 84 Months1
▼
APR4.50%
Termup to 84 Months1
Last UpdatedMay 10, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loan
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.70%
up to 60 months
▼
APR4.70%
Termup to 60 months
Last UpdatedMay 12, 2026
Details
As Low As; APR includes Local Heroes Program Discount
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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 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
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 12, 2026
Details
CREDIT SCORE 720+
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 12, 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 UpdatedMay 6, 2026
Details
As Low As
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 UpdatedMay 10, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
4.75%
up to 72 months
▼
APR4.75%
Termup to 72 months
Last UpdatedMay 10, 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 UpdatedMay 10, 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 12, 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 12, 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 Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedMay 6, 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 12, 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 UpdatedMay 7, 2026
Details
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
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2019-2020
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2021-2022
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2023-2025
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Over $40,000, + 1% APR)
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New Cars, Trucks, Vans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 10, 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
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
CREDIT SCORE 720+
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 12, 2026
Details
As Low As
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 12, 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 12, 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 12, 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 UpdatedMay 6, 2026
Details
As Low As
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%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As; Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 12, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loan
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedMay 6, 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 UpdatedMay 10, 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 12, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 10, 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 12, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
▼
APR5.24%
Term83 Months
Last UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 10, 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
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
CREDIT SCORE 680-719
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
New Auto Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
Bay; As Low As
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 12, 2026
Details
As Low As
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
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 UpdatedMay 6, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto
5.25%
78 Months
▼
APR5.25%
Term78 Months
Last UpdatedMay 10, 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 UpdatedMay 7, 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 12, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As
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 UpdatedMay 7, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New Cars, Trucks, Vans
5.49%
37-48 months
▼
APR5.49%
Term37-48 months
Last UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle without Auto Pay
5.49%
83 Months
▼
APR5.49%
Term83 Months
Last UpdatedMay 10, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Insight Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
New Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 12, 2026
Details
CREDIT SCORE 720+
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 12, 2026
Details
As Low As
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 12, 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 12, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New Autos
5.50%
0-48
▼
APR5.50%
Term0-48
Last UpdatedMay 10, 2026
Details
As Low As; based on credit score
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
2315 Drane Field Rd, Lakeland, FL, 33811
Used Automobile
5.60%
36 - 84
▼
APR5.60%
Term36 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4630 S Florida Ave, Lakeland, FL, 33813 2122
Used Car
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
4630 S Florida Ave, Lakeland, FL, 33813 2122
Used Car (as low as)
5.75%
Up to 72 months
▼
APR5.75%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details
As Low As
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Celebrating Our Members Auto Loans (Used) Special
3.15%
24 Months
▼
APR3.15%
Term24 Months
Last UpdatedMay 6, 2026
Details
special rate up to 24 months*
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New & Used Autos
3.19%
84 Months
▼
APR3.19%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; (Autos up to 10 years old)
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 UpdatedMay 7, 2026
Details
APR3.50%
Term12-36
Last UpdatedMay 12, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
Used Automobile
3.74%
24-84 Months
▼
APR3.74%
Term24-84 Months
Last UpdatedMay 10, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
EMERALD COAST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles (2024 and Older)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.00%
66 Months
▼
APR4.00%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR4.00%
Term37-48
Last UpdatedMay 12, 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 UpdatedMay 7, 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 12, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
Used Vehicle
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedMay 12, 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%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
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 12, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
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
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
4.75%
up to 72 months
▼
APR4.75%
Termup to 72 months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.75%
Term49-60
Last UpdatedMay 12, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 12, 2026
Details
36 months at 4.790% (4.790% APR) for a $30,000 loan would result in a monthly payment of $896.30. Last updated 05/01/2026
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 12, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 7, 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 UpdatedMay 12, 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 UpdatedMay 7, 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 12, 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 UpdatedMay 7, 2026
Details
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2019-2020
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2021-2022
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2023-2025
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As; (Over $40,000, + 1% APR)
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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 12, 2026
Details
48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74. Last updated 05/01/2026
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 12, 2026
Details
As Low As
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 12, 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 UpdatedMay 6, 2026
Details
As Low As; 1-2 yrs. old
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%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR5.00%
Term61-72
Last UpdatedMay 12, 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 12, 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 12, 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 UpdatedMay 10, 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 12, 2026
Details
As Low As; not over 7 years or 150k miles
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 7, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Used Cars, Trucks, Vans
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedMay 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
▼
APR5.24%
Term83 Months
Last UpdatedMay 10, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
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 12, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
Older Used Autos
5.25%
66 Months
▼
APR5.25%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto
5.25%
78 Months
▼
APR5.25%
Term78 Months
Last UpdatedMay 10, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 12, 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 12, 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 UpdatedMay 6, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
5.35%
60 Months
▼
APR5.35%
Term60 Months
Last UpdatedMay 12, 2026
Details
60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96. Last updated 05/01/2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Used Auto, Van, Pickup, SUV (2019-2026)
5.49%
49-66 Months
▼
APR5.49%
Term49-66 Months
Last UpdatedMay 4, 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 UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle without Auto Pay
5.49%
83 Months
▼
APR5.49%
Term83 Months
Last UpdatedMay 10, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Used Autos
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; - Over 3 Years/36000 + Miles
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Car
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 10, 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 12, 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 12, 2026
Details
As Low As; not over 7 years or 150k miles
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 12, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Used Vehicles
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; 1-2 yrs. old
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MonitorBankRates
Lakeland, FL Auto Loan Rate Trends
Compare local Lakeland, 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
5.107%
▼ 0.051 vs 7 days ago
Florida new auto rates fell 0.051 points over the past 7 days to 5.107% APR.
Used Auto Loan — FL Avg
5.852%
▼ 0.115 vs 7 days ago
Florida used auto rates fell 0.115 points over the past 7 days to 5.852% APR.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Lakeland, 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 Lakeland, 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 Lakeland, 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 Lakeland, Florida?
Based on our current data, some of the lowest auto loan rates available in Lakeland, Florida include:
- Baxter Credit Union: 3.24% (Auto Loans)
- Trax Federal Credit Union: 5.10% (New Automobile)
- Florida Central Credit Union: 5.25% (New Car)
- Midflorida Credit Union: 5.39% (2025 and Newer Autos)
- My Pensacola Federal Credit Union: 3.15% (Celebrating Our Members Auto Loans (New) Special)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Lakeland, Florida. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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