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Auto Loan Rates in Orange Springs, Florida (FL) for July 2026

Current auto loan rates in Orange Springs, Florida include Faith Connection Federal Credit UnionFaith Connection Federal Credit UnionA+5.0 ★Texas Ratio: 2.22% offering Auto Loan at 2.99%, Panhandle Credit UnionPanhandle Credit UnionA+5.0 ★Texas Ratio: 1.16% offering New & Used Autos at 3.19%, Memorial Employees Financial Credit UnionMemorial Employees Financial Credit UnionA+5.0 ★Texas Ratio: 1.77% offering Auto Loans (with 10% Down Payment) - 2019-2026 at 3.24%, Keys Federal Credit UnionKeys Federal Credit UnionA5.0 ★Texas Ratio: 10.34% offering Auto Loans at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%. Auto loan rates as of June 29, 2026 according to verified data from MonitorBankRates.

Orange Springs borrowers have access to 43 lenders serving the Florida area, with auto loan rates as low as 2.99% APR from Faith Connection Federal Credit Union. 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 Orange Springs, Florida. Auto Loan Rates Last Updated and Verified: June 29, 2026

Compare Auto Loan Rates Today in Orange Springs, Florida & Surrounding Area

Orange Springs Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Faith Connection Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Auto Loan
2.99%
6 months
APR2.99%
Term6 months
Last UpdatedJun 16, 2026
Details

Introductory rate for 6 months, after the 6 month period rate will default to standard rate set through the credit union. Terms and Conditions Apply. See credit union for full details.

Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New & Used Autos
3.19%
Up to 84 Months
APR3.19%
TermUp to 84 Months
Last UpdatedJun 27, 2026
Details

As Low As; Highest APR* is 18.00% (Autos up to 10 years old)

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 10% Down Payment) - 2019-2026
3.24%
24 Months
APR3.24%
Term24 Months
Last UpdatedJun 27, 2026
Details

As Low As

Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
Auto Loans
3.25%
84 months
APR3.25%
Term84 months
Last UpdatedJun 23, 2026
Details

Finance up to 125% MSRP (new vehicles) or NADA (used vehicles)2; No prepayment penalties; Refinance existing Auto Loans for cash out or lower payments

Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
New Vehicles Loan
3.25%
2024 or newer
APR3.25%
Term2024 or newer
Last UpdatedJun 23, 2026
Details

Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
Used Vehicles Loan
3.25%
2024 or newer
APR3.25%
Term2024 or newer
Last UpdatedJun 23, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details

As low as

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
APR3.35%
Term60 Months
Last UpdatedJun 16, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
3.49%
36 Months
APR3.49%
Term36 Months
Last UpdatedJun 26, 2026
Details

As low as 3.49% APR

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New Automobile
3.50%
12-36 months
APR3.50%
Term12-36 months
Last UpdatedJun 29, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Used Automobile
3.50%
12-36 months
APR3.50%
Term12-36 months
Last UpdatedJun 29, 2026
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan 36 Months
3.59%
36 Months
APR3.59%
Term36 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 10% Down Payment) - 2019 & older
3.74%
36 Months
APR3.74%
Term36 Months
Last UpdatedJun 27, 2026
Details

As Low As

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 10% Down Payment) - 2020-2026
3.74%
36 Months
APR3.74%
Term36 Months
Last UpdatedJun 27, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details

As low as

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan 48 Months
3.84%
48 Months
APR3.84%
Term48 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months
APR3.95%
Term72 Months
Last UpdatedJun 16, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
3.99%
36 Months
APR3.99%
Term36 Months
Last UpdatedJun 26, 2026
Details

As Low As; Minimum Loan Amount: $5,000.00

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan 36 Months
3.99%
36 Months
APR3.99%
Term36 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
4.00%
Up to 66 months
APR4.00%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.00%
up to 36 months
APR4.00%
Termup to 36 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New Automobile
4.00%
37-48 months
APR4.00%
Term37-48 months
Last UpdatedJun 29, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Used Automobile
4.00%
37-48 months
APR4.00%
Term37-48 months
Last UpdatedJun 29, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As low as

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan 60 Months
4.09%
60 Months
APR4.09%
Term60 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.14%
0 - 75 Months
APR4.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details

As Low As; 2026 & Newer

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
APR4.24%
Term24 Mos.
Last UpdatedJun 16, 2026
Details

As Low As; Up to 120% Financing on Approved Credit

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan 48 Months
4.24%
48 Months
APR4.24%
Term48 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
4.25%
12 - 24
APR4.25%
Term12 - 24
Last UpdatedJun 23, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
4.25%
up to 36 months
APR4.25%
Termup to 36 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car - 36 Months Loan
4.29%
36 months
APR4.29%
Term36 months
Last UpdatedJun 11, 2026
Details

36 months at 4.290% (4.290% APR) for a $30,000 loan would result in a monthly payment of $889.59.

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan 66 Months
4.44%
66 Months
APR4.44%
Term66 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.45%
up to 48 months
APR4.45%
Termup to 48 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Loan
4.49%
36 Months
APR4.49%
Term36 Months
Last UpdatedJun 16, 2026
Details

As Low As; 4.74%, 5.24%, 6.24%

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
APR4.49%
Term48 Mos.
Last UpdatedJun 16, 2026
Details

As Low As; Up to 120% Financing on Approved Credit

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
4.49%
36 Months
APR4.49%
Term36 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
4.50%
Up to 72 months
APR4.50%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
4.50%
36 Months
APR4.50%
Term36 Months
Last UpdatedJun 23, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car - 48 Months Loan
4.59%
48 months
APR4.59%
Term48 months
Last UpdatedJun 11, 2026
Details

48 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $685.32.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As low as

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loans
4.59%
36 months
APR4.59%
Term36 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan 60 Months
4.59%
60 Months
APR4.59%
Term60 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
APR4.64%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto
4.69%
12 to 48 months
APR4.69%
Term12 to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; The rate quoted is for a well-qualified borrower. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 5/20/2026, our floor rate is 4.69%.

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto
4.69%
12 to 48 months
APR4.69%
Term12 to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; The rate quoted is for a well-qualified borrower. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 5/20/2026, our floor rate is 4.69%.

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
4.69%
Up to 24 months
APR4.69%
TermUp to 24 months
Last UpdatedJun 23, 2026
Details

Loan Amount: $2,500+

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loans
4.69%
24 - 36 months
APR4.69%
Term24 - 36 months
Last UpdatedJun 27, 2026
Details

Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan 72 Months
4.69%
72 Months
APR4.69%
Term72 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.70%
up to 60 months
APR4.70%
Termup to 60 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
4.70%
up to 48 months
APR4.70%
Termup to 48 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Loan
4.74%
60 Months
APR4.74%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As; 4.49%, 5.24%, 6.24%

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Vehicle Loan
4.74%
36 Months
APR4.74%
Term36 Months
Last UpdatedJun 16, 2026
Details

As Low As; 4.99%, 5.49%, 6.49%

My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Auto Loans (New)
4.74%
terms up to 86 months
APR4.74%
Termterms up to 86 months
Last UpdatedJun 23, 2026
Details

My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Auto Loans (Used)
4.74%
terms up to 86 months
APR4.74%
Termterms up to 86 months
Last UpdatedJun 23, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
4.74%
48 Months
APR4.74%
Term48 Months
Last UpdatedJun 26, 2026
Details

As Low As; Minimum Loan Amount: $5,000.00

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Auto Loan
4.74%
36 months
APR4.74%
Term36 months
Last UpdatedJun 27, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Auto Loans
4.74%
60 Mo
APR4.74%
Term60 Mo
Last UpdatedJun 27, 2026
Details

As Low As; $1,137 is the difference between the amount paid in interest between PenAir Credit Union's rate at 4.99% APR compared to 6.35% APR for the National market average over the life of a $30,000 auto loan over 60 months.

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
4.74%
48 Months
APR4.74%
Term48 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto, Van, Pickup, SUV (2019-2026)
4.75%
0-48 Months
APR4.75%
Term0-48 Months
Last UpdatedJun 16, 2026
Details

As Low As; APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
4.75%
48 Months
APR4.75%
Term48 Months
Last UpdatedJun 23, 2026
Details

Suncoast Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.71%
Auto Loans
4.75%
84-month
APR4.75%
Term84-month
Last UpdatedJun 27, 2026
Details

As low as 4.750% APR*. Special rate for EV and Hybrid cars/trucks. No application fee2. No prepayment penalty. Up to 84-month Term.

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 10% Down Payment) - 2021-2026
4.75%
48 Months
APR4.75%
Term48 Months
Last UpdatedJun 27, 2026
Details

As Low As

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New Automobile
4.75%
49-60 months
APR4.75%
Term49-60 months
Last UpdatedJun 29, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Used Automobile
4.75%
49-60 months
APR4.75%
Term49-60 months
Last UpdatedJun 29, 2026
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
New Car Loan
4.79%
75 months
APR4.79%
Term75 months
Last UpdatedJun 27, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Car 36 Months Loan
4.79%
36 months
APR4.79%
Term36 months
Last UpdatedJun 11, 2026
Details

36 months at 4.790% (4.790% APR) for a $30,000 loan would result in a monthly payment of $896.30.

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loans
4.79%
48 months
APR4.79%
Term48 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
4.79%
36 Months
APR4.79%
Term36 Months
Last UpdatedJun 27, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
4.79%
36 Months
APR4.79%
Term36 Months
Last UpdatedJun 27, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.80%
up to 72 months
APR4.80%
Termup to 72 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loans
4.84%
60 months
APR4.84%
Term60 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan 66 Months
4.84%
66 Months
APR4.84%
Term66 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
4.89%
36 months
APR4.89%
Term36 months
Last UpdatedJun 23, 2026
Details

Loan Amount: $2,500+

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months
APR4.95%
Term84 Months
Last UpdatedJun 16, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
4.95%
up to 60 months
APR4.95%
Termup to 60 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Car 48 Months Loan
4.99%
48 months
APR4.99%
Term48 months
Last UpdatedJun 11, 2026
Details

48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74.

United Bank (AL)
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
Auto Loan Special Rate
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As; Special Rate

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
APR4.99%
Term4 Years
Last UpdatedJun 16, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Vehicle Loan
4.99%
60 Months
APR4.99%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As; 4.74%, 5.49%, 6.49%

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Mos.
APR4.99%
Term72 Mos.
Last UpdatedJun 16, 2026
Details

As Low As; Up to 120% Financing on Approved Credit

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Auto Loans (New & Used)
4.99%
84 Months
APR4.99%
Term84 Months
Last UpdatedJun 26, 2026
Details

As Low As; Rates and terms are subject to change without notice. Rates based on Credit Score. Exact rate quoted at time of approval. As of January 2, 2026

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
4.99%
60 Months
APR4.99%
Term60 Months
Last UpdatedJun 26, 2026
Details

As Low As; Minimum Loan Amount: $5,000.00

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
New Cars, Trucks, Vans Loan
4.99%
36 months
APR4.99%
Term36 months
Last UpdatedJun 26, 2026
Details

As Low As; 100%

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loans
4.99%
37 - 60 months
APR4.99%
Term37 - 60 months
Last UpdatedJun 27, 2026
Details

Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As

Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Auto & Truck Loan
4.99%
Up to 36 months, Max term 84 months
APR4.99%
TermUp to 36 months, Max term 84 months
Last UpdatedJun 27, 2026
Details

As Low As; 2025-present

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto
4.99%
60 Mo
APR4.99%
Term60 Mo
Last UpdatedJun 27, 2026
Details

PenAir Rate; $1,137 is the difference between the amount paid in interest between PenAir Credit Union's rate at 4.99% APR compared to 6.35% APR for the National market average over the life of a $30,000 auto loan over 60 months.

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
4.99%
66 months
APR4.99%
Term66 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck
4.99%
48 months
APR4.99%
Term48 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
Auto Loan
4.99%
36, 48, or 60 Months
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJun 27, 2026
Details

New or used auto loan. Rate discount of up to 0.25% available for members meeting qualifying conditions.

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer Only
4.99%
36, 48, or 60 Months
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJun 27, 2026
Details

As Low As

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
4.99%
36 months
APR4.99%
Term36 months
Last UpdatedJun 29, 2026
Details

Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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.

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car - 60 Months Loan
5.00%
60 months
APR5.00%
Term60 months
Last UpdatedJun 11, 2026
Details

60 months at 5.000% (5.000% APR) for a $30,000 loan would result in a monthly payment of $566.14.

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
5.00%
Up to 84 months
APR5.00%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Used Auto Loans
5.00%
2 Year
APR5.00%
Term2 Year
Last UpdatedJun 16, 2026
Details

90% Financing

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
5.00%
60 Months
APR5.00%
Term60 Months
Last UpdatedJun 23, 2026
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
Used Vehicles 1-2 yrs. old Loan
5.00%
2 Yrs
APR5.00%
Term2 Yrs
Last UpdatedJun 23, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New Automobile
5.00%
61-72 months
APR5.00%
Term61-72 months
Last UpdatedJun 29, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Used Automobile
5.00%
61-72 months
APR5.00%
Term61-72 months
Last UpdatedJun 29, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
5.04%
37 - 48 Months
APR5.04%
Term37 - 48 Months
Last UpdatedJun 27, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
5.04%
37 - 48 Months
APR5.04%
Term37 - 48 Months
Last UpdatedJun 27, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loans
5.09%
72 months
APR5.09%
Term72 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
5.09%
60 Months
APR5.09%
Term60 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan 72 Months
5.09%
72 Months
APR5.09%
Term72 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
New Automobile
5.10%
36 - 84 months*
APR5.10%
Term36 - 84 months*
Last UpdatedJun 26, 2026
Details

As Low As

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
5.10%
up to 72 months
APR5.10%
Termup to 72 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
5.14%
0 - 75 Months
APR5.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details

As Low As; 2023 - 2025*

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
APR5.14%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
Used Vehicle Loans
5.15%
36 months
APR5.15%
Term36 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
5.19%
48 months
APR5.19%
Term48 months
Last UpdatedJun 23, 2026
Details

Loan Amount: $2,500+

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loans
5.19%
61 - 72 months
APR5.19%
Term61 - 72 months
Last UpdatedJun 27, 2026
Details

Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru Used Vehicle Loans Models
5.19%
24 - 36 months
APR5.19%
Term24 - 36 months
Last UpdatedJun 27, 2026
Details

Models (not over 7 years or 150k miles)

Radiant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
Used Car Loan
5.19%
75 months
APR5.19%
Term75 months
Last UpdatedJun 27, 2026
Details

SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Car Loans
5.23%
72 months
APR5.23%
Term72 months
Last UpdatedJun 16, 2026
Details

Rates from 5.23% APR for new Cars. Annual Percentage Rate (APR) is accurate as of 02/02/2026 and includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.

First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loan
5.24%
48 months or less
APR5.24%
Term48 months or less
Last UpdatedJun 11, 2026
Details

Bay; As Low As

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Sport Vehicle Loan
5.24%
48 Months
APR5.24%
Term48 Months
Last UpdatedJun 16, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Loan
5.24%
75 Months
APR5.24%
Term75 Months
Last UpdatedJun 16, 2026
Details

As Low As; 4.49%, 4.74%, 6.24%

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83 months
APR5.24%
Term61 to 83 months
Last UpdatedJun 16, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle without Auto Pay
5.24%
Up to 60 months
APR5.24%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83 months
APR5.24%
Term61 to 83 months
Last UpdatedJun 16, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle without Auto Pay
5.24%
Up to 60 months
APR5.24%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
Used Vehicle Loans
5.24%
48 months
APR5.24%
Term48 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
5.24%
66 Months
APR5.24%
Term66 Months
Last UpdatedJun 26, 2026
Details

As Low As; Minimum Loan Amount: $5,000.00

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Auto Loan
5.24%
66 months
APR5.24%
Term66 months
Last UpdatedJun 27, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck
5.24%
66 months
APR5.24%
Term66 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.24%
36 to 72 Months
APR5.24%
Term36 to 72 Months
Last UpdatedJun 27, 2026
Details

As Low As; Model Year: New Auto 2025 + Newer

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
APR5.25%
Term5 Years
Last UpdatedJun 16, 2026
Details

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
Older Used Autos
5.25%
Up to 66 months
APR5.25%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Used Auto Loans
5.25%
3 Year
APR5.25%
Term3 Year
Last UpdatedJun 16, 2026
Details

90% Financing

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto
5.25%
49 to 78 months
APR5.25%
Term49 to 78 months
Last UpdatedJun 16, 2026
Details

As Low As; The rate quoted is for a well-qualified borrower. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 5/20/2026, our floor rate is 4.69%.

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto
5.25%
49 to 78 months
APR5.25%
Term49 to 78 months
Last UpdatedJun 16, 2026
Details

As Low As; The rate quoted is for a well-qualified borrower. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 5/20/2026, our floor rate is 4.69%.

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
5.25%
72 Months
APR5.25%
Term72 Months
Last UpdatedJun 23, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Auto & Truck Loan
5.25%
Up to 36 months, Max term 84 months
APR5.25%
TermUp to 36 months, Max term 84 months
Last UpdatedJun 27, 2026
Details

As Low As; 2023-2024

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
Used Auto (Ten Years or Newer)
5.29%
60 Months
APR5.29%
Term60 Months
Last UpdatedJun 16, 2026
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru Used Vehicle Loans Models
5.29%
37 - 48 months
APR5.29%
Term37 - 48 months
Last UpdatedJun 27, 2026
Details

Models (not over 7 years or 150k miles)

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
5.29%
49 - 60 Months
APR5.29%
Term49 - 60 Months
Last UpdatedJun 27, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
5.29%
49 - 60 Months
APR5.29%
Term49 - 60 Months
Last UpdatedJun 27, 2026
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
5.34%
66 Months
APR5.34%
Term66 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car - 72 Months Loan
5.35%
72 months
APR5.35%
Term72 months
Last UpdatedJun 11, 2026
Details

72 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $488.03.

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Car 60 Months Loan
5.35%
60 months
APR5.35%
Term60 months
Last UpdatedJun 11, 2026
Details

60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96.

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
Used Vehicle Loans
5.39%
60 months
APR5.39%
Term60 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
5.39%
60 months
APR5.39%
Term60 months
Last UpdatedJun 23, 2026
Details

Loan Amount: $5,000+

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
2025 and Newer Autos
5.39%
up to 72 mos.
APR5.39%
Termup to 72 mos.
Last UpdatedJun 27, 2026
Details

As Low As

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan 84 Months
5.44%
84 Months
APR5.44%
Term84 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto, Van, Pickup, SUV (2019-2026)
5.49%
49-66 Months
APR5.49%
Term49-66 Months
Last UpdatedJun 16, 2026
Details

APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Vehicle Loan
5.49%
75 Months
APR5.49%
Term75 Months
Last UpdatedJun 16, 2026
Details

As Low As; 4.74%, 4.99%, 6.49%

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Mos.
APR5.49%
Term84 Mos.
Last UpdatedJun 16, 2026
Details

As Low As; Up to 120% Financing on Approved Credit

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle without Auto Pay
5.49%
61 to 83 months
APR5.49%
Term61 to 83 months
Last UpdatedJun 16, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle without Auto Pay
5.49%
61 to 83 months
APR5.49%
Term61 to 83 months
Last UpdatedJun 16, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
5.49%
Up to 75 Months
APR5.49%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
5.49%
48 months
APR5.49%
Term48 months
Last UpdatedJun 23, 2026
Details

Loan Amount: $2,500+

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
5.49%
72 Months
APR5.49%
Term72 Months
Last UpdatedJun 26, 2026
Details

As Low As; Minimum Loan Amount: $5,000.00

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
New Cars, Trucks, Vans Loan
5.49%
37-48 months
APR5.49%
Term37-48 months
Last UpdatedJun 26, 2026
Details

As Low As; 100%

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru Used Vehicle Loans Models
5.49%
49 - 60 months
APR5.49%
Term49 - 60 months
Last UpdatedJun 27, 2026
Details

Models (not over 7 years or 150k miles)

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
5.49%
75 months
APR5.49%
Term75 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.49%
73 to 84 Months
APR5.49%
Term73 to 84 Months
Last UpdatedJun 27, 2026
Details

As Low As; Model Year: New Auto 2025 + Newer

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
5.49%
48 months
APR5.49%
Term48 months
Last UpdatedJun 29, 2026
Details

Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Used Auto Loans
5.50%
4 Year
APR5.50%
Term4 Year
Last UpdatedJun 16, 2026
Details

90% Financing

Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New Autos
5.50%
0-48 Months
APR5.50%
Term0-48 Months
Last UpdatedJun 16, 2026
Details

As Low As; based on credit score

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
5.50%
84 Months
APR5.50%
Term84 Months
Last UpdatedJun 23, 2026
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
Used Vehicles 1-2 yrs. old Loan
5.50%
36 Months
APR5.50%
Term36 Months
Last UpdatedJun 23, 2026
Details

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 10% Down Payment) - 2022-2026
5.50%
60 Months
APR5.50%
Term60 Months
Last UpdatedJun 27, 2026
Details

As Low As

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
Auto Loans (with 10% Down Payment) - 2023-2026
5.50%
72 Months
APR5.50%
Term72 Months
Last UpdatedJun 27, 2026
Details

As Low As

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
Used Vehicle Loans
5.54%
72 months
APR5.54%
Term72 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
5.59%
72 months
APR5.59%
Term72 months
Last UpdatedJun 23, 2026
Details

Loan Amount: $15,000+

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
5.59%
72 Months
APR5.59%
Term72 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
Used Automobile
5.60%
36 - 84 months*
APR5.60%
Term36 - 84 months*
Last UpdatedJun 26, 2026
Details

As Low As

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
2024 Autos
5.64%
up to 72 mos.
APR5.64%
Termup to 72 mos.
Last UpdatedJun 27, 2026
Details

As Low As

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Car 72 Months Loan
5.65%
72 months
APR5.65%
Term72 months
Last UpdatedJun 11, 2026
Details

72 months at 5.650% (5.650% APR) for a $30,000 loan would result in a monthly payment of $492.25.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details

Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New Autos
5.74%
49-60 Months
APR5.74%
Term49-60 Months
Last UpdatedJun 16, 2026
Details

As Low As; based on credit score

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loans
5.74%
84 month
APR5.74%
Term84 month
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
5.74%
75 Months
APR5.74%
Term75 Months
Last UpdatedJun 26, 2026
Details

As Low As; Minimum Loan Amount: $5,000.00

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Auto Loan
5.74%
75 months
APR5.74%
Term75 months
Last UpdatedJun 27, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
5.74%
84 months
APR5.74%
Term84 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck
5.74%
75 months
APR5.74%
Term75 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Used Auto Loans
5.75%
5 Year
APR5.75%
Term5 Year
Last UpdatedJun 16, 2026
Details

90% Financing

Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
Pre-Owned Autos
5.75%
0-48 Months
APR5.75%
Term0-48 Months
Last UpdatedJun 16, 2026
Details

As Low As; based on credit score; Fixed

Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
Used Vehicles Loan
5.75%
2019 - 2023
APR5.75%
Term2019 - 2023
Last UpdatedJun 23, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto, Van, Pickup, SUV (2019-2026)
5.79%
67-78 Months
APR5.79%
Term67-78 Months
Last UpdatedJun 16, 2026
Details

As Low As; $15K minimum. APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
Used Auto (Over Ten Years Old )
5.79%
60 Months
APR5.79%
Term60 Months
Last UpdatedJun 16, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
5.79%
61 - 72 Months
APR5.79%
Term61 - 72 Months
Last UpdatedJun 27, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
5.79%
61 - 72 Months
APR5.79%
Term61 - 72 Months
Last UpdatedJun 27, 2026
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan 84 Months
5.84%
84 Months
APR5.84%
Term84 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
5.85%
up to 84 months
APR5.85%
Termup to 84 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount; Minimum loan amount: $25,000; Maximum mileage: 60,000 miles

Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New Autos
5.99%
61-72 Months
APR5.99%
Term61-72 Months
Last UpdatedJun 16, 2026
Details

As Low As; based on credit score

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle with Auto Pay from DFCU Account
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle with Auto Pay from DFCU Account
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto (2018 or older)
5.99%
Up to 60 Months
APR5.99%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
5.99%
78 Months
APR5.99%
Term78 Months
Last UpdatedJun 26, 2026
Details

As Low As; Minimum Loan Amount: $5,000.00

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
New Cars, Trucks, Vans Loan
5.99%
49-60 months
APR5.99%
Term49-60 months
Last UpdatedJun 26, 2026
Details

As Low As; 100%

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loans
5.99%
73 - 84 months
APR5.99%
Term73 - 84 months
Last UpdatedJun 27, 2026
Details

Minimum loan amt of $30K; Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru Used Vehicle Loans Models
5.99%
61 - 72 months
APR5.99%
Term61 - 72 months
Last UpdatedJun 27, 2026
Details

Models (2021 - 2025, Minimum $15k)

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Auto Loan
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 27, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
5.99%
60 months
APR5.99%
Term60 months
Last UpdatedJun 29, 2026
Details

Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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.

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
6.00%
Up to 96 months
APR6.00%
TermUp to 96 months
Last UpdatedJun 16, 2026
Details

Orange Springs New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New & Used Autos
3.19%
Up to 84 Months
APR3.19%
TermUp to 84 Months
Last UpdatedJun 27, 2026
Details

As Low As; Highest APR* is 18.00% (Autos up to 10 years old)

Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
New Vehicles Loan
3.25%
2024 or newer
APR3.25%
Term2024 or newer
Last UpdatedJun 23, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details

As low as

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
APR3.35%
Term60 Months
Last UpdatedJun 16, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans
3.49%
36 Months
APR3.49%
Term36 Months
Last UpdatedJun 26, 2026
Details

As low as 3.49% APR

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New Automobile
3.50%
12-36 months
APR3.50%
Term12-36 months
Last UpdatedJun 29, 2026
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan 36 Months
3.59%
36 Months
APR3.59%
Term36 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan 48 Months
3.84%
48 Months
APR3.84%
Term48 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months
APR3.95%
Term72 Months
Last UpdatedJun 16, 2026
Details

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
4.00%
Up to 66 months
APR4.00%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.00%
up to 36 months
APR4.00%
Termup to 36 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New Automobile
4.00%
37-48 months
APR4.00%
Term37-48 months
Last UpdatedJun 29, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As low as

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan 60 Months
4.09%
60 Months
APR4.09%
Term60 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
APR4.24%
Term24 Mos.
Last UpdatedJun 16, 2026
Details

As Low As; Up to 120% Financing on Approved Credit

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
4.25%
12 - 24
APR4.25%
Term12 - 24
Last UpdatedJun 23, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car - 36 Months Loan
4.29%
36 months
APR4.29%
Term36 months
Last UpdatedJun 11, 2026
Details

36 months at 4.290% (4.290% APR) for a $30,000 loan would result in a monthly payment of $889.59.

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan 66 Months
4.44%
66 Months
APR4.44%
Term66 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.45%
up to 48 months
APR4.45%
Termup to 48 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Loan
4.49%
36 Months
APR4.49%
Term36 Months
Last UpdatedJun 16, 2026
Details

As Low As; 4.74%, 5.24%, 6.24%

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
APR4.49%
Term48 Mos.
Last UpdatedJun 16, 2026
Details

As Low As; Up to 120% Financing on Approved Credit

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
4.50%
Up to 72 months
APR4.50%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
4.50%
36 Months
APR4.50%
Term36 Months
Last UpdatedJun 23, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car - 48 Months Loan
4.59%
48 months
APR4.59%
Term48 months
Last UpdatedJun 11, 2026
Details

48 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $685.32.

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loans
4.59%
36 months
APR4.59%
Term36 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
APR4.64%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto
4.69%
12 to 48 months
APR4.69%
Term12 to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; The rate quoted is for a well-qualified borrower. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 5/20/2026, our floor rate is 4.69%.

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loans
4.69%
24 - 36 months
APR4.69%
Term24 - 36 months
Last UpdatedJun 27, 2026
Details

Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan 72 Months
4.69%
72 Months
APR4.69%
Term72 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.70%
up to 60 months
APR4.70%
Termup to 60 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Loan
4.74%
60 Months
APR4.74%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As; 4.49%, 5.24%, 6.24%

My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Auto Loans (New)
4.74%
terms up to 86 months
APR4.74%
Termterms up to 86 months
Last UpdatedJun 23, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
4.75%
48 Months
APR4.75%
Term48 Months
Last UpdatedJun 23, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New Automobile
4.75%
49-60 months
APR4.75%
Term49-60 months
Last UpdatedJun 29, 2026
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
New Car Loan
4.79%
75 months
APR4.79%
Term75 months
Last UpdatedJun 27, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loans
4.79%
48 months
APR4.79%
Term48 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
4.79%
36 Months
APR4.79%
Term36 Months
Last UpdatedJun 27, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
4.80%
up to 72 months
APR4.80%
Termup to 72 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loans
4.84%
60 months
APR4.84%
Term60 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months
APR4.95%
Term84 Months
Last UpdatedJun 16, 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 UpdatedJun 16, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Mos.
APR4.99%
Term72 Mos.
Last UpdatedJun 16, 2026
Details

As Low As; Up to 120% Financing on Approved Credit

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Auto Loans (New & Used)
4.99%
84 Months
APR4.99%
Term84 Months
Last UpdatedJun 26, 2026
Details

As Low As; Rates and terms are subject to change without notice. Rates based on Credit Score. Exact rate quoted at time of approval. As of January 2, 2026

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
New Cars, Trucks, Vans Loan
4.99%
36 months
APR4.99%
Term36 months
Last UpdatedJun 26, 2026
Details

As Low As; 100%

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loans
4.99%
37 - 60 months
APR4.99%
Term37 - 60 months
Last UpdatedJun 27, 2026
Details

Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As

Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Auto & Truck Loan
4.99%
Up to 36 months, Max term 84 months
APR4.99%
TermUp to 36 months, Max term 84 months
Last UpdatedJun 27, 2026
Details

As Low As; 2025-present

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto
4.99%
60 Mo
APR4.99%
Term60 Mo
Last UpdatedJun 27, 2026
Details

PenAir Rate; $1,137 is the difference between the amount paid in interest between PenAir Credit Union's rate at 4.99% APR compared to 6.35% APR for the National market average over the life of a $30,000 auto loan over 60 months.

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
4.99%
66 months
APR4.99%
Term66 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer Only
4.99%
36, 48, or 60 Months
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJun 27, 2026
Details

As Low As

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
4.99%
36 months
APR4.99%
Term36 months
Last UpdatedJun 29, 2026
Details

Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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.

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car - 60 Months Loan
5.00%
60 months
APR5.00%
Term60 months
Last UpdatedJun 11, 2026
Details

60 months at 5.000% (5.000% APR) for a $30,000 loan would result in a monthly payment of $566.14.

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
5.00%
Up to 84 months
APR5.00%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
5.00%
60 Months
APR5.00%
Term60 Months
Last UpdatedJun 23, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New Automobile
5.00%
61-72 months
APR5.00%
Term61-72 months
Last UpdatedJun 29, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
5.04%
37 - 48 Months
APR5.04%
Term37 - 48 Months
Last UpdatedJun 27, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loans
5.09%
72 months
APR5.09%
Term72 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
New Automobile
5.10%
36 - 84 months*
APR5.10%
Term36 - 84 months*
Last UpdatedJun 26, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
APR5.14%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loans
5.19%
61 - 72 months
APR5.19%
Term61 - 72 months
Last UpdatedJun 27, 2026
Details

Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Sport Vehicle Loan
5.24%
48 Months
APR5.24%
Term48 Months
Last UpdatedJun 16, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Loan
5.24%
75 Months
APR5.24%
Term75 Months
Last UpdatedJun 16, 2026
Details

As Low As; 4.49%, 4.74%, 6.24%

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83 months
APR5.24%
Term61 to 83 months
Last UpdatedJun 16, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle without Auto Pay
5.24%
Up to 60 months
APR5.24%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.24%
36 to 72 Months
APR5.24%
Term36 to 72 Months
Last UpdatedJun 27, 2026
Details

As Low As; Model Year: New Auto 2025 + Newer

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
APR5.25%
Term5 Years
Last UpdatedJun 16, 2026
Details

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New Auto
5.25%
49 to 78 months
APR5.25%
Term49 to 78 months
Last UpdatedJun 16, 2026
Details

As Low As; The rate quoted is for a well-qualified borrower. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 5/20/2026, our floor rate is 4.69%.

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
5.25%
72 Months
APR5.25%
Term72 Months
Last UpdatedJun 23, 2026
Details

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
Used Auto (Ten Years or Newer)
5.29%
60 Months
APR5.29%
Term60 Months
Last UpdatedJun 16, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
5.29%
49 - 60 Months
APR5.29%
Term49 - 60 Months
Last UpdatedJun 27, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Car - 72 Months Loan
5.35%
72 months
APR5.35%
Term72 months
Last UpdatedJun 11, 2026
Details

72 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $488.03.

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
2025 and Newer Autos
5.39%
up to 72 mos.
APR5.39%
Termup to 72 mos.
Last UpdatedJun 27, 2026
Details

As Low As

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
New Auto Loan 84 Months
5.44%
84 Months
APR5.44%
Term84 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Mos.
APR5.49%
Term84 Mos.
Last UpdatedJun 16, 2026
Details

As Low As; Up to 120% Financing on Approved Credit

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle without Auto Pay
5.49%
61 to 83 months
APR5.49%
Term61 to 83 months
Last UpdatedJun 16, 2026
Details

As Low As

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
New Cars, Trucks, Vans Loan
5.49%
37-48 months
APR5.49%
Term37-48 months
Last UpdatedJun 26, 2026
Details

As Low As; 100%

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
5.49%
75 months
APR5.49%
Term75 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.49%
73 to 84 Months
APR5.49%
Term73 to 84 Months
Last UpdatedJun 27, 2026
Details

As Low As; Model Year: New Auto 2025 + Newer

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
5.49%
48 months
APR5.49%
Term48 months
Last UpdatedJun 29, 2026
Details

Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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.

Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New Autos
5.50%
0-48 Months
APR5.50%
Term0-48 Months
Last UpdatedJun 16, 2026
Details

As Low As; based on credit score

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
New Vehicles Loan
5.50%
84 Months
APR5.50%
Term84 Months
Last UpdatedJun 23, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details

Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New Autos
5.74%
49-60 Months
APR5.74%
Term49-60 Months
Last UpdatedJun 16, 2026
Details

As Low As; based on credit score

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
New Vehicle Loans
5.74%
84 month
APR5.74%
Term84 month
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
New Auto/Truck
5.74%
84 months
APR5.74%
Term84 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - New
5.79%
61 - 72 Months
APR5.79%
Term61 - 72 Months
Last UpdatedJun 27, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
New Auto Loans - Model Year 2025 and newer
5.85%
up to 84 months
APR5.85%
Termup to 84 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount; Minimum loan amount: $25,000; Maximum mileage: 60,000 miles

Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
New Autos
5.99%
61-72 Months
APR5.99%
Term61-72 Months
Last UpdatedJun 16, 2026
Details

As Low As; based on credit score

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
New Vehicle with Auto Pay from DFCU Account
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
New Cars, Trucks, Vans Loan
5.99%
49-60 months
APR5.99%
Term49-60 months
Last UpdatedJun 26, 2026
Details

As Low As; 100%

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loans
5.99%
73 - 84 months
APR5.99%
Term73 - 84 months
Last UpdatedJun 27, 2026
Details

Minimum loan amt of $30K; Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
5.99%
60 months
APR5.99%
Term60 months
Last UpdatedJun 29, 2026
Details

Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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.

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
6.00%
Up to 96 months
APR6.00%
TermUp to 96 months
Last UpdatedJun 16, 2026
Details

Orange Springs Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New & Used Autos
3.19%
Up to 84 Months
APR3.19%
TermUp to 84 Months
Last UpdatedJun 27, 2026
Details

As Low As; Highest APR* is 18.00% (Autos up to 10 years old)

Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
Used Vehicles Loan
3.25%
2024 or newer
APR3.25%
Term2024 or newer
Last UpdatedJun 23, 2026
Details

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
APR3.35%
Term60 Months
Last UpdatedJun 16, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Used Automobile
3.50%
12-36 months
APR3.50%
Term12-36 months
Last UpdatedJun 29, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details

As low as

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months
APR3.95%
Term72 Months
Last UpdatedJun 16, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
3.99%
36 Months
APR3.99%
Term36 Months
Last UpdatedJun 26, 2026
Details

As Low As; Minimum Loan Amount: $5,000.00

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan 36 Months
3.99%
36 Months
APR3.99%
Term36 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
4.00%
Up to 66 months
APR4.00%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Used Automobile
4.00%
37-48 months
APR4.00%
Term37-48 months
Last UpdatedJun 29, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
APR4.24%
Term24 Mos.
Last UpdatedJun 16, 2026
Details

As Low As; Up to 120% Financing on Approved Credit

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan 48 Months
4.24%
48 Months
APR4.24%
Term48 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
4.25%
up to 36 months
APR4.25%
Termup to 36 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Mos.
APR4.49%
Term48 Mos.
Last UpdatedJun 16, 2026
Details

As Low As; Up to 120% Financing on Approved Credit

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
4.49%
36 Months
APR4.49%
Term36 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
4.50%
Up to 72 months
APR4.50%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As low as

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan 60 Months
4.59%
60 Months
APR4.59%
Term60 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto
4.69%
12 to 48 months
APR4.69%
Term12 to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; The rate quoted is for a well-qualified borrower. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 5/20/2026, our floor rate is 4.69%.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
4.70%
up to 48 months
APR4.70%
Termup to 48 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Vehicle Loan
4.74%
36 Months
APR4.74%
Term36 Months
Last UpdatedJun 16, 2026
Details

As Low As; 4.99%, 5.49%, 6.49%

My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Auto Loans (Used)
4.74%
terms up to 86 months
APR4.74%
Termterms up to 86 months
Last UpdatedJun 23, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
4.74%
48 Months
APR4.74%
Term48 Months
Last UpdatedJun 26, 2026
Details

As Low As; Minimum Loan Amount: $5,000.00

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
4.74%
48 Months
APR4.74%
Term48 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto, Van, Pickup, SUV (2019-2026)
4.75%
0-48 Months
APR4.75%
Term0-48 Months
Last UpdatedJun 16, 2026
Details

As Low As; APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Used Automobile
4.75%
49-60 months
APR4.75%
Term49-60 months
Last UpdatedJun 29, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Car 36 Months Loan
4.79%
36 months
APR4.79%
Term36 months
Last UpdatedJun 11, 2026
Details

36 months at 4.790% (4.790% APR) for a $30,000 loan would result in a monthly payment of $896.30.

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
4.79%
36 Months
APR4.79%
Term36 Months
Last UpdatedJun 27, 2026
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan 66 Months
4.84%
66 Months
APR4.84%
Term66 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months
APR4.95%
Term84 Months
Last UpdatedJun 16, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
4.95%
up to 60 months
APR4.95%
Termup to 60 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Car 48 Months Loan
4.99%
48 months
APR4.99%
Term48 months
Last UpdatedJun 11, 2026
Details

48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74.

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Vehicle Loan
4.99%
60 Months
APR4.99%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As; 4.74%, 5.49%, 6.49%

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Mos.
APR4.99%
Term72 Mos.
Last UpdatedJun 16, 2026
Details

As Low As; Up to 120% Financing on Approved Credit

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Auto Loans (New & Used)
4.99%
84 Months
APR4.99%
Term84 Months
Last UpdatedJun 26, 2026
Details

As Low As; Rates and terms are subject to change without notice. Rates based on Credit Score. Exact rate quoted at time of approval. As of January 2, 2026

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
4.99%
60 Months
APR4.99%
Term60 Months
Last UpdatedJun 26, 2026
Details

As Low As; Minimum Loan Amount: $5,000.00

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck
4.99%
48 months
APR4.99%
Term48 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
4.99%
36 months
APR4.99%
Term36 months
Last UpdatedJun 29, 2026
Details

Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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.

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
5.00%
Up to 84 months
APR5.00%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Used Auto Loans
5.00%
2 Year
APR5.00%
Term2 Year
Last UpdatedJun 16, 2026
Details

90% Financing

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
Used Vehicles 1-2 yrs. old Loan
5.00%
2 Yrs
APR5.00%
Term2 Yrs
Last UpdatedJun 23, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
Used Automobile
5.00%
61-72 months
APR5.00%
Term61-72 months
Last UpdatedJun 29, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
5.04%
37 - 48 Months
APR5.04%
Term37 - 48 Months
Last UpdatedJun 27, 2026
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
5.09%
60 Months
APR5.09%
Term60 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan 72 Months
5.09%
72 Months
APR5.09%
Term72 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
Used Auto Loans - Model Year 2024-2022
5.10%
up to 72 months
APR5.10%
Termup to 72 months
Last UpdatedJun 27, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
Used Vehicle Loans
5.15%
36 months
APR5.15%
Term36 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru Used Vehicle Loans Models
5.19%
24 - 36 months
APR5.19%
Term24 - 36 months
Last UpdatedJun 27, 2026
Details

Models (not over 7 years or 150k miles)

Radiant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
Used Car Loan
5.19%
75 months
APR5.19%
Term75 months
Last UpdatedJun 27, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle with Auto Pay from DFCU Account
5.24%
61 to 83 months
APR5.24%
Term61 to 83 months
Last UpdatedJun 16, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle without Auto Pay
5.24%
Up to 60 months
APR5.24%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
Used Vehicle Loans
5.24%
48 months
APR5.24%
Term48 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
5.24%
66 Months
APR5.24%
Term66 Months
Last UpdatedJun 26, 2026
Details

As Low As; Minimum Loan Amount: $5,000.00

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck
5.24%
66 months
APR5.24%
Term66 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
Older Used Autos
5.25%
Up to 66 months
APR5.25%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Used Auto Loans
5.25%
3 Year
APR5.25%
Term3 Year
Last UpdatedJun 16, 2026
Details

90% Financing

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used Auto
5.25%
49 to 78 months
APR5.25%
Term49 to 78 months
Last UpdatedJun 16, 2026
Details

As Low As; The rate quoted is for a well-qualified borrower. Rates are subject to change. Other rates and terms are available if you apply and qualify. Loans will not be financed below our floor rate. As of 5/20/2026, our floor rate is 4.69%.

Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Auto & Truck Loan
5.25%
Up to 36 months, Max term 84 months
APR5.25%
TermUp to 36 months, Max term 84 months
Last UpdatedJun 27, 2026
Details

As Low As; 2023-2024

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
Used Auto (Ten Years or Newer)
5.29%
60 Months
APR5.29%
Term60 Months
Last UpdatedJun 16, 2026
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru Used Vehicle Loans Models
5.29%
37 - 48 months
APR5.29%
Term37 - 48 months
Last UpdatedJun 27, 2026
Details

Models (not over 7 years or 150k miles)

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
5.29%
49 - 60 Months
APR5.29%
Term49 - 60 Months
Last UpdatedJun 27, 2026
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
5.34%
66 Months
APR5.34%
Term66 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Car 60 Months Loan
5.35%
60 months
APR5.35%
Term60 months
Last UpdatedJun 11, 2026
Details

60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96.

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
Used Vehicle Loans
5.39%
60 months
APR5.39%
Term60 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto, Van, Pickup, SUV (2019-2026)
5.49%
49-66 Months
APR5.49%
Term49-66 Months
Last UpdatedJun 16, 2026
Details

APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Vehicle Loan
5.49%
75 Months
APR5.49%
Term75 Months
Last UpdatedJun 16, 2026
Details

As Low As; 4.74%, 4.99%, 6.49%

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Mos.
APR5.49%
Term84 Mos.
Last UpdatedJun 16, 2026
Details

As Low As; Up to 120% Financing on Approved Credit

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle without Auto Pay
5.49%
61 to 83 months
APR5.49%
Term61 to 83 months
Last UpdatedJun 16, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
5.49%
Up to 75 Months
APR5.49%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
5.49%
72 Months
APR5.49%
Term72 Months
Last UpdatedJun 26, 2026
Details

As Low As; Minimum Loan Amount: $5,000.00

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru Used Vehicle Loans Models
5.49%
49 - 60 months
APR5.49%
Term49 - 60 months
Last UpdatedJun 27, 2026
Details

Models (not over 7 years or 150k miles)

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
5.49%
48 months
APR5.49%
Term48 months
Last UpdatedJun 29, 2026
Details

Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Used Auto Loans
5.50%
4 Year
APR5.50%
Term4 Year
Last UpdatedJun 16, 2026
Details

90% Financing

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
Used Vehicles 1-2 yrs. old Loan
5.50%
36 Months
APR5.50%
Term36 Months
Last UpdatedJun 23, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
Used Vehicle Loans
5.54%
72 months
APR5.54%
Term72 months
Last UpdatedJun 23, 2026
Details

As Low As; Fixed APR

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan
5.59%
72 Months
APR5.59%
Term72 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
Used Automobile
5.60%
36 - 84 months*
APR5.60%
Term36 - 84 months*
Last UpdatedJun 26, 2026
Details

As Low As

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Car 72 Months Loan
5.65%
72 months
APR5.65%
Term72 months
Last UpdatedJun 11, 2026
Details

72 months at 5.650% (5.650% APR) for a $30,000 loan would result in a monthly payment of $492.25.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
5.74%
75 Months
APR5.74%
Term75 Months
Last UpdatedJun 26, 2026
Details

As Low As; Minimum Loan Amount: $5,000.00

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck
5.74%
75 months
APR5.74%
Term75 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Used Auto Loans
5.75%
5 Year
APR5.75%
Term5 Year
Last UpdatedJun 16, 2026
Details

90% Financing

Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.18%
Pre-Owned Autos
5.75%
0-48 Months
APR5.75%
Term0-48 Months
Last UpdatedJun 16, 2026
Details

As Low As; based on credit score; Fixed

Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
Used Vehicles Loan
5.75%
2019 - 2023
APR5.75%
Term2019 - 2023
Last UpdatedJun 23, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
Used Auto, Van, Pickup, SUV (2019-2026)
5.79%
67-78 Months
APR5.79%
Term67-78 Months
Last UpdatedJun 16, 2026
Details

As Low As; $15K minimum. APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
Used Auto (Over Ten Years Old )
5.79%
60 Months
APR5.79%
Term60 Months
Last UpdatedJun 16, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Autos - Used
5.79%
61 - 72 Months
APR5.79%
Term61 - 72 Months
Last UpdatedJun 27, 2026
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
Used Auto Loan 84 Months
5.84%
84 Months
APR5.84%
Term84 Months
Last UpdatedJun 29, 2026
Details

As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Used Vehicle with Auto Pay from DFCU Account
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto (2018 or older)
5.99%
Up to 60 Months
APR5.99%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Used Auto Loans
5.99%
78 Months
APR5.99%
Term78 Months
Last UpdatedJun 26, 2026
Details

As Low As; Minimum Loan Amount: $5,000.00

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Tru Used Vehicle Loans Models
5.99%
61 - 72 months
APR5.99%
Term61 - 72 months
Last UpdatedJun 27, 2026
Details

Models (2021 - 2025, Minimum $15k)

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto/Truck
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 27, 2026
Details

Finance your new or used vehicle with terms from 48 to 84 months and APR ranging from 4.74% to 17.49%.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
New or Used Autos (2021-2027)
5.99%
60 months
APR5.99%
Term60 months
Last UpdatedJun 29, 2026
Details

Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. 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.

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
New or Used Auto Up to 10 years old
6.00%
Up to 96 months
APR6.00%
TermUp to 96 months
Last UpdatedJun 16, 2026
Details

Orange Springs, FL Auto Loan Rate Trends

Compare local Orange Springs, 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.

View Full Florida Auto Trends →
New Auto Loan — FL Avg
4.990%
▲ 0.004 vs 7 days ago

Florida new auto rates rose 0.004 points over the past 7 days to 4.990% APR.

Used Auto Loan — FL Avg
5.755%
▲ 0.050 vs 7 days ago

Florida used auto rates rose 0.050 points over the past 7 days to 5.755% APR.

As of Jul 4, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Orange Springs, 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 Orange Springs, 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 Orange Springs, Florida. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in FL.

Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.

Frequently Asked Questions about Auto Loans in Orange Springs, 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 Orange Springs, 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 Orange Springs, 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 Orange Springs, Florida?

Based on our current data, some of the lowest auto loan rates available in Orange Springs, Florida include:
  • Faith Connection Federal Credit Union: 2.99% (Auto Loan)
  • Panhandle Credit Union: 3.19% (New & Used Autos)
  • Memorial Employees Financial Credit Union: 3.24% (Auto Loans (with 10% Down Payment) - 2019-2026)
  • Keys Federal Credit Union: 3.25% (Auto Loans)
  • American Airlines Federal Credit Union: 3.34% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Orange Springs, Florida. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 29, 2026