Auto Loan Rates in Panama City Beach, Florida (FL) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Panama City Beach, Florida. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Panama City Beach, Florida include Hello Credit UnionHello Credit Union7713 Front Beach Rd, Panama City Beach, FL, 32407A+5.0 ★Texas Ratio: 2.12% offering New Auto at 3.49%, Panhandle Credit UnionPanhandle Credit Union301 N Richard Jackson Blvd, Panama City Beach, FL, 32407 3680A+5.0 ★Texas Ratio: 1.21% offering Autos (New 2025-2026) at 3.95%, All In Credit UnionAll In Credit Union22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413A5.0 ★Texas Ratio: 11.52% offering New or Used Autos (2020-2026) at 4.99%, Electricians Local 349 Credit UnionElectricians Local 349 Credit Union1657 NW 17th Ave, Miami, FL, 33125A+5.0 ★Texas Ratio: 0.00% offering New Car/Truck Loans 20% Down at 2.99%, Baxter Credit UnionBaxter Credit Union11800 SW 147th Ave, Miami, FL, 33196A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%.
Auto loan rates in Panama City Beach, Florida are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Panama City Beach, Florida. Auto Loan Rates Last Updated and Verified: March 20, 2026
Compare Auto Loan Rates Today in Panama City Beach, Florida & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
7713 Front Beach Rd, Panama City Beach, FL, 32407
New Auto
3.49%
Up to 84
▼
APR3.49%
TermUp to 84
Last UpdatedMar 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
301 N Richard Jackson Blvd, Panama City Beach, FL, 32407 3680
Autos (New 2025-2026)
3.95%
84 Months
▼
APR3.95%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
7713 Front Beach Rd, Panama City Beach, FL, 32407
Used Auto
3.99%
Up to 84
▼
APR3.99%
TermUp to 84
Last UpdatedMar 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
301 N Richard Jackson Blvd, Panama City Beach, FL, 32407 3680
Autos (Used 2022-2026)
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMar 16, 2026
Details
As Low As
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
301 N Richard Jackson Blvd, Panama City Beach, FL, 32407 3680
Autos (Used 2017-2021)
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
Used Autos (2019 & older)
6.24%
36 months
▼
APR6.24%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
Used Autos (2019 & older)
6.74%
48 months
▼
APR6.74%
Term48 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
Used Autos (2019 & older)
7.74%
60 months
▼
APR7.74%
Term60 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Auto (2024-2026)
7.99%
96 months
▼
APR7.99%
Term96 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
Used Autos (2019 & older, minimum)
8.49%
72 months
▼
APR8.49%
Term72 months
Last UpdatedMar 16, 2026
Details
$20,000; As Low As
Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
7713 Front Beach Rd, Panama City Beach, FL, 32407
Older Used Auto (8 - 10 Model Years)
9.99%
Up to 60
▼
APR9.99%
TermUp to 60
Last UpdatedMar 20, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 20% Down
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) 2018-2025
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.39%
514 Southard St, Key West, FL, 33040
Auto Loans
3.25%
84 Months
▼
APR3.25%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Terms up to 84 months
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedMar 15, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
1825 S Jefferson St, Perry, FL, 32348 5614
New & Used Auto
3.39%
up to 24 Months
▼
APR3.39%
Termup to 24 Months
Last UpdatedMar 20, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL, 33122 1824
New Automobile
3.49%
24-84 Months
▼
APR3.49%
Term24-84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 10% Down
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 20% Down
3.49%
48 Months
▼
APR3.49%
Term48 Months
Last UpdatedMar 20, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 0% Down Payment) 2018-2025
3.49%
24 Months
▼
APR3.49%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) 2018-2025
3.49%
24 Months
▼
APR3.49%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
3.50%
12-36
▼
APR3.50%
Term12-36
Last UpdatedMar 17, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL, 33122 1824
Used Automobile
3.74%
24-84 Months
▼
APR3.74%
Term24-84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) 2018 & older
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) 2019-2025
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedMar 15, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 0% Down
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 10% Down
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 20, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 20% Down
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 0% Down Payment) 2018 & older
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 0% Down Payment) 2019-2025
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) 2018 & older
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) 2019-2025
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMar 13, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.00%
up to 36 months
▼
APR4.00%
Termup to 36 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.00%
37-48
▼
APR4.00%
Term37-48
Last UpdatedMar 17, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMar 13, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Community Heroes Auto Program New Car
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 18, 2026
Details
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
5909 Stewart St, Milton, FL, 32570
New & Used Auto
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 13, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
4.25%
12 - 24
▼
APR4.25%
Term12 - 24
Last UpdatedMar 17, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 13, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMar 13, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL, 32206 3301
New Vehicles
4.40%
36-60
▼
APR4.40%
Term36-60
Last UpdatedMar 17, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.45%
up to 48 months
▼
APR4.45%
Termup to 48 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL, 32703
New Auto
4.49%
24-66 Months
▼
APR4.49%
Term24-66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Hialeah Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
501 Palm Ave, Hialeah, FL, 33010 4719
Vehicle Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Borrow up to $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details
Models 2025 or newer (under 10,000 miles)
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 13, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
NEW & UP TO 5 YEARS OLD Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 0% Down
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 20, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 10% Down
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 20% Down
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 20, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
CREDIT SCORE 720+
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Community Heroes Auto Program New Car
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 18, 2026
Details
MEMBERS FIRST CREDIT UNION OF FLORI
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL, 32502 5728
New Vehicle
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedMar 20, 2026
Details
MEMBERS FIRST CREDIT UNION OF FLORI
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL, 32502 5728
Used Vehicle
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedMar 20, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
New Car, Truck, SUV, or Van
4.50%
Up to 36
▼
APR4.50%
TermUp to 36
Last UpdatedMar 15, 2026
Details
Ask about our Protection Plans!
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
562 Park St, Jacksonville, FL, 32204 2918
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
4.59%
0-48 Months
▼
APR4.59%
Term0-48 Months
Last UpdatedMar 11, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMar 18, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
1225 Millennium Pkwy, Brandon, FL, 33511
New Automobile (2025 & newer)
4.60%
84 Months
▼
APR4.60%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL, 33612 8737
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedMar 18, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.70%
up to 60 months
▼
APR4.70%
Termup to 60 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
4.70%
up to 48 months
▼
APR4.70%
Termup to 48 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
Models 2025 or newer (under 10,000 miles)
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Used Vehicle
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 15, 2026
Details
Models between 2019 - 2026 (between 10,001 and 100,000 miles)
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedMar 13, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 13, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Vehicle
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Used Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
Credit Score 720+
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
CREDIT SCORE 720+
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMar 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
New, Used & Refinanced Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 9.99%
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 15, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
562 Park St, Jacksonville, FL, 32204 2918
Used Auto, Van, Pickup, SUV (2019-2026)
4.75%
0-48
▼
APR4.75%
Term0-48
Last UpdatedMar 11, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Hialeah Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
501 Palm Ave, Hialeah, FL, 33010 4719
Vehicle Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Borrow up to $100,000
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
New Car, Truck, SUV, or Van
4.75%
Up to 48
▼
APR4.75%
TermUp to 48
Last UpdatedMar 15, 2026
Details
Ask about our Protection Plans!
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
Used Car, Truck, SUV, or Van
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 15, 2026
Details
Ask about our Protection Plans!
Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL, 33713
New Auto
4.75%
Up to 36 Months
▼
APR4.75%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 13, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) 2020-2025
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.75%
49-60
▼
APR4.75%
Term49-60
Last UpdatedMar 17, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
9790 Touchton Rd, Jacksonville, FL, 32246
New Auto/Van/Truck Loans
4.79%
0-48
▼
APR4.79%
Term0-48
Last UpdatedMar 17, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Used Car
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMar 18, 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: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMar 16, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMar 16, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.80%
up to 72 months
▼
APR4.80%
Termup to 72 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL, 32204 1141
New Auto 2025 and Newer
4.85%
0-54 months
▼
APR4.85%
Term0-54 months
Last UpdatedMar 18, 2026
Details
As Low As
Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL, 32703
Used Auto (Purchase Only)
4.89%
24-66 Months
▼
APR4.89%
Term24-66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedMar 18, 2026
Details
As Low As
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL, 32204 1141
New Auto 2025 and Newer
4.89%
55-70 months
▼
APR4.89%
Term55-70 months
Last UpdatedMar 18, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL, 32206 3301
Used Vehicles
4.90%
36-60
▼
APR4.90%
Term36-60
Last UpdatedMar 17, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Community Heroes Auto Program New Car
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMar 18, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
306 S Palm Ave, Palatka, FL, 32177
New Vehicles - Model years 2025 or newer
4.94%
Up to 48 months
▼
APR4.94%
TermUp to 48 months
Last UpdatedMar 18, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedMar 15, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
4.95%
up to 60 months
▼
APR4.95%
Termup to 60 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMar 15, 2026
Details
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
5909 Stewart St, Milton, FL, 32570
New & Used Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Used Vehicle
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
Models between 2019 - 2026 (between 10,001 and 100,000 miles)
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used) 2019-2020
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used) 2021-2022
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used) 2023-2025
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used) 2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As; (Over $40,000, + 1% APR)
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
New Cars & Trucks
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 13, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
New Cars, Trucks, Vans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 17, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
NEW & UP TO 5 YEARS OLD Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL, 33612 8737
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 0% Down
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 10% Down
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 20, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
601 E Rollins St, Orlando, FL, 32803
New Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As; up to 48 Months
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
3333 Henderson Blvd, Tampa, FL, 33609 2955
Auto Refinance
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Limited time offer.
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
Credit Score 720+
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
CREDIT SCORE 720+
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
2330 Mahan Dr, Tallahassee, FL, 32308
Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
FL; As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Used Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
604 13th Ave E, Bradenton, FL, 34208
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMar 15, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 15, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles
5.00%
12-24
▼
APR5.00%
Term12-24
Last UpdatedMar 17, 2026
Details
As Low As; 1-2 yrs. old
Hialeah Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
501 Palm Ave, Hialeah, FL, 33010 4719
Vehicle Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Borrow up to $100,000
San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
12542 Curley St, San Antonio, FL, 33576
NEW AUTO
5.00%
60 M
▼
APR5.00%
Term60 M
Last UpdatedMar 11, 2026
Details
As Low As; APR as low as 5.146%, $18.91 per $1,000 borrowed
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
Used Car, Truck, SUV, or Van
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 15, 2026
Details
Ask about our Protection Plans!
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
Used Auto Loans 90% Financing
5.00%
2 Months
▼
APR5.00%
Term2 Months
Last UpdatedMar 15, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL, 33713
New Auto
5.00%
37 to 63 Months
▼
APR5.00%
Term37 to 63 Months
Last UpdatedMar 17, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedMar 13, 2026
Details
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.42%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 18, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 0% Down Payment) 2020-2025
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) 2020-2025
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
5.00%
61-72
▼
APR5.00%
Term61-72
Last UpdatedMar 17, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedMar 18, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
9790 Touchton Rd, Jacksonville, FL, 32246
New Auto/Van/Truck Loans
5.04%
49-66
▼
APR5.04%
Term49-66
Last UpdatedMar 17, 2026
Details
As Low As
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
306 S Palm Ave, Palatka, FL, 32177
Auto Loans
5.04%
49 - 66 Months
▼
APR5.04%
Term49 - 66 Months
Last UpdatedMar 18, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMar 16, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMar 16, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL, 32204 1141
New Auto 2025 and Newer
5.09%
71-77 months
▼
APR5.09%
Term71-77 months
Last UpdatedMar 18, 2026
Details
As Low As
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
1225 Millennium Pkwy, Brandon, FL, 33511
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Community Heroes Auto Program New Car
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedMar 18, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
5.10%
up to 72 months
▼
APR5.10%
Termup to 72 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - Used Vehicles
5.12%
48 Months
▼
APR5.12%
Term48 Months
Last UpdatedMar 13, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL, 33612 8737
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMar 15, 2026
Details
Hialeah Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
501 Palm Ave, Hialeah, FL, 33010 4719
Vehicle Loan
5.15%
66 Months
▼
APR5.15%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As; Borrow up to $100,000
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
Used Cars & Trucks 2020-2026
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
562 Park St, Jacksonville, FL, 32204 2918
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
5.19%
49-66 Months
▼
APR5.19%
Term49-66 Months
Last UpdatedMar 11, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Vehicle Loans
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedMar 18, 2026
Details
Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL, 32703
New Auto
5.24%
67-84 Months
▼
APR5.24%
Term67-84 Months
Last UpdatedMar 17, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMar 18, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 15, 2026
Details
Models 2025 or newer (under 10,000 miles)
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 13, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 13, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
Used Cars, Trucks, Vans
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedMar 17, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL, 33511
New Vehicle with Auto Pay from DFCU Account
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL, 33511
Used Vehicle with Auto Pay from DFCU Account
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Vehicle
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
601 E Rollins St, Orlando, FL, 32803
New Car
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; 49-60 Months
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
601 E Rollins St, Orlando, FL, 32803
Used Car
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As; up to 48 Months
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Used Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 18, 2026
Details
Credit Score 720+
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 18, 2026
Details
CREDIT SCORE 680-719
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 18, 2026
Details
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
2330 Mahan Dr, Tallahassee, FL, 32308
Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 18, 2026
Details
FL; As Low As
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
306 S Palm Ave, Palatka, FL, 32177
Auto Loans
5.24%
67 - 78 Months
▼
APR5.24%
Term67 - 78 Months
Last UpdatedMar 18, 2026
Details
As Low As
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
Auto Loan
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMar 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
New, Used & Refinanced Auto Loan
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 12.99%
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
604 13th Ave E, Bradenton, FL, 34208
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMar 15, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMar 15, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
7713 Front Beach Rd, Panama City Beach, FL, 32407
New Auto
3.49%
Up to 84
▼
APR3.49%
TermUp to 84
Last UpdatedMar 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
301 N Richard Jackson Blvd, Panama City Beach, FL, 32407 3680
Autos (New 2025-2026)
3.95%
84 Months
▼
APR3.95%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Auto (2024-2026)
7.99%
96 months
▼
APR7.99%
Term96 months
Last UpdatedMar 16, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 20% Down
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedMar 15, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
1825 S Jefferson St, Perry, FL, 32348 5614
New & Used Auto
3.39%
up to 24 Months
▼
APR3.39%
Termup to 24 Months
Last UpdatedMar 20, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL, 33122 1824
New Automobile
3.49%
24-84 Months
▼
APR3.49%
Term24-84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 10% Down
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 20% Down
3.49%
48 Months
▼
APR3.49%
Term48 Months
Last UpdatedMar 20, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedMar 15, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 0% Down
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 10% Down
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 20, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 20% Down
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMar 13, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.00%
up to 36 months
▼
APR4.00%
Termup to 36 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMar 13, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Community Heroes Auto Program New Car
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 18, 2026
Details
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
5909 Stewart St, Milton, FL, 32570
New & Used Auto
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMar 13, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
4.25%
12 - 24
▼
APR4.25%
Term12 - 24
Last UpdatedMar 17, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 13, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMar 13, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL, 32206 3301
New Vehicles
4.40%
36-60
▼
APR4.40%
Term36-60
Last UpdatedMar 17, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.45%
up to 48 months
▼
APR4.45%
Termup to 48 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL, 32703
New Auto
4.49%
24-66 Months
▼
APR4.49%
Term24-66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details
Models 2025 or newer (under 10,000 miles)
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 13, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
NEW & UP TO 5 YEARS OLD Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 0% Down
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 20, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 10% Down
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 20% Down
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 20, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
CREDIT SCORE 720+
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 18, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Community Heroes Auto Program New Car
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 18, 2026
Details
MEMBERS FIRST CREDIT UNION OF FLORI
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL, 32502 5728
New Vehicle
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedMar 20, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
New Car, Truck, SUV, or Van
4.50%
Up to 36
▼
APR4.50%
TermUp to 36
Last UpdatedMar 15, 2026
Details
Ask about our Protection Plans!
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
562 Park St, Jacksonville, FL, 32204 2918
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
4.59%
0-48 Months
▼
APR4.59%
Term0-48 Months
Last UpdatedMar 11, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMar 18, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
1225 Millennium Pkwy, Brandon, FL, 33511
New Automobile (2025 & newer)
4.60%
84 Months
▼
APR4.60%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL, 33612 8737
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedMar 18, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.70%
up to 60 months
▼
APR4.70%
Termup to 60 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
Models 2025 or newer (under 10,000 miles)
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedMar 13, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Vehicle
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
CREDIT SCORE 720+
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
New, Used & Refinanced Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 9.99%
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 15, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
New Car, Truck, SUV, or Van
4.75%
Up to 48
▼
APR4.75%
TermUp to 48
Last UpdatedMar 15, 2026
Details
Ask about our Protection Plans!
Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL, 33713
New Auto
4.75%
Up to 36 Months
▼
APR4.75%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 13, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
9790 Touchton Rd, Jacksonville, FL, 32246
New Auto/Van/Truck Loans
4.79%
0-48
▼
APR4.79%
Term0-48
Last UpdatedMar 17, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMar 16, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.80%
up to 72 months
▼
APR4.80%
Termup to 72 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL, 32204 1141
New Auto 2025 and Newer
4.85%
0-54 months
▼
APR4.85%
Term0-54 months
Last UpdatedMar 18, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedMar 18, 2026
Details
As Low As
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL, 32204 1141
New Auto 2025 and Newer
4.89%
55-70 months
▼
APR4.89%
Term55-70 months
Last UpdatedMar 18, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Community Heroes Auto Program New Car
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMar 18, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
306 S Palm Ave, Palatka, FL, 32177
New Vehicles - Model years 2025 or newer
4.94%
Up to 48 months
▼
APR4.94%
TermUp to 48 months
Last UpdatedMar 18, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedMar 15, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedMar 15, 2026
Details
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
5909 Stewart St, Milton, FL, 32570
New & Used Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used) 2019-2020
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used) 2021-2022
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used) 2023-2025
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used) 2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As; (Over $40,000, + 1% APR)
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
New Cars & Trucks
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
New Cars, Trucks, Vans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 17, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
NEW & UP TO 5 YEARS OLD Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 0% Down
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1657 NW 17th Ave, Miami, FL, 33125
New Car/Truck Loans 10% Down
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 20, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
601 E Rollins St, Orlando, FL, 32803
New Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As; up to 48 Months
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
CREDIT SCORE 720+
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
604 13th Ave E, Bradenton, FL, 34208
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMar 15, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
12542 Curley St, San Antonio, FL, 33576
NEW AUTO
5.00%
60 M
▼
APR5.00%
Term60 M
Last UpdatedMar 11, 2026
Details
As Low As; APR as low as 5.146%, $18.91 per $1,000 borrowed
Achieva Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL, 33713
New Auto
5.00%
37 to 63 Months
▼
APR5.00%
Term37 to 63 Months
Last UpdatedMar 17, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - New Vehicles
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedMar 13, 2026
Details
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.42%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 18, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedMar 18, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
9790 Touchton Rd, Jacksonville, FL, 32246
New Auto/Van/Truck Loans
5.04%
49-66
▼
APR5.04%
Term49-66
Last UpdatedMar 17, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMar 16, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL, 32204 1141
New Auto 2025 and Newer
5.09%
71-77 months
▼
APR5.09%
Term71-77 months
Last UpdatedMar 18, 2026
Details
As Low As
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
1225 Millennium Pkwy, Brandon, FL, 33511
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Community Heroes Auto Program New Car
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedMar 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL, 33612 8737
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMar 15, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
562 Park St, Jacksonville, FL, 32204 2918
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
5.19%
49-66 Months
▼
APR5.19%
Term49-66 Months
Last UpdatedMar 11, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedMar 18, 2026
Details
Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL, 32703
New Auto
5.24%
67-84 Months
▼
APR5.24%
Term67-84 Months
Last UpdatedMar 17, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMar 18, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 15, 2026
Details
Models 2025 or newer (under 10,000 miles)
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 13, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL, 33511
New Vehicle with Auto Pay from DFCU Account
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Vehicle
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
601 E Rollins St, Orlando, FL, 32803
New Car
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; 49-60 Months
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 18, 2026
Details
CREDIT SCORE 680-719
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans New Auto 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 18, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
New, Used & Refinanced Auto Loan
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 12.99%
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
604 13th Ave E, Bradenton, FL, 34208
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMar 18, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMar 15, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
7713 Front Beach Rd, Panama City Beach, FL, 32407
Used Auto
3.99%
Up to 84
▼
APR3.99%
TermUp to 84
Last UpdatedMar 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
301 N Richard Jackson Blvd, Panama City Beach, FL, 32407 3680
Autos (Used 2022-2026)
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMar 16, 2026
Details
As Low As
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
301 N Richard Jackson Blvd, Panama City Beach, FL, 32407 3680
Autos (Used 2017-2021)
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
Used Autos (2019 & older)
6.24%
36 months
▼
APR6.24%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
Used Autos (2019 & older)
6.74%
48 months
▼
APR6.74%
Term48 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Autos (2020-2026)
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
Used Autos (2019 & older)
7.74%
60 months
▼
APR7.74%
Term60 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
New or Used Auto (2024-2026)
7.99%
96 months
▼
APR7.99%
Term96 months
Last UpdatedMar 16, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
22331 Panama City Beach Pkwy, Panama City Beach, FL, 32413
Used Autos (2019 & older, minimum)
8.49%
72 months
▼
APR8.49%
Term72 months
Last UpdatedMar 16, 2026
Details
$20,000; As Low As
Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
7713 Front Beach Rd, Panama City Beach, FL, 32407
Older Used Auto (8 - 10 Model Years)
9.99%
Up to 60
▼
APR9.99%
TermUp to 60
Last UpdatedMar 20, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedMar 15, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
1825 S Jefferson St, Perry, FL, 32348 5614
New & Used Auto
3.39%
up to 24 Months
▼
APR3.39%
Termup to 24 Months
Last UpdatedMar 20, 2026
Details
As Low As
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
3.50%
12-36
▼
APR3.50%
Term12-36
Last UpdatedMar 17, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL, 33122 1824
Used Automobile
3.74%
24-84 Months
▼
APR3.74%
Term24-84 Months
Last UpdatedMar 20, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedMar 15, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.00%
37-48
▼
APR4.00%
Term37-48
Last UpdatedMar 17, 2026
Details
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
5909 Stewart St, Milton, FL, 32570
New & Used Auto
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
MEMBERS FIRST CREDIT UNION OF FLORI
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL, 32502 5728
Used Vehicle
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedMar 20, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
4.70%
up to 48 months
▼
APR4.70%
Termup to 48 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Used Vehicle
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 15, 2026
Details
Models between 2019 - 2026 (between 10,001 and 100,000 miles)
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 13, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Used Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
Credit Score 720+
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
New, Used & Refinanced Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 9.99%
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
562 Park St, Jacksonville, FL, 32204 2918
Used Auto, Van, Pickup, SUV (2019-2026)
4.75%
0-48
▼
APR4.75%
Term0-48
Last UpdatedMar 11, 2026
Details
As Low As
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
Used Car, Truck, SUV, or Van
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 15, 2026
Details
Ask about our Protection Plans!
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.75%
49-60
▼
APR4.75%
Term49-60
Last UpdatedMar 17, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Used Car
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMar 18, 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: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMar 16, 2026
Details
Addition Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL, 32703
Used Auto (Purchase Only)
4.89%
24-66 Months
▼
APR4.89%
Term24-66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL, 32206 3301
Used Vehicles
4.90%
36-60
▼
APR4.90%
Term36-60
Last UpdatedMar 17, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedMar 15, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
4.95%
up to 60 months
▼
APR4.95%
Termup to 60 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
5909 Stewart St, Milton, FL, 32570
New & Used Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Used Vehicle
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
Models between 2019 - 2026 (between 10,001 and 100,000 miles)
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used) 2019-2020
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used) 2021-2022
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used) 2023-2025
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used) 2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As; (Over $40,000, + 1% APR)
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 13, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL, 33612 8737
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
Credit Score 720+
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Used Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74.
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 15, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles
5.00%
12-24
▼
APR5.00%
Term12-24
Last UpdatedMar 17, 2026
Details
As Low As; 1-2 yrs. old
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
Used Car, Truck, SUV, or Van
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 15, 2026
Details
Ask about our Protection Plans!
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
Used Auto Loans 90% Financing
5.00%
2 Months
▼
APR5.00%
Term2 Months
Last UpdatedMar 15, 2026
Details
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
5.00%
61-72
▼
APR5.00%
Term61-72
Last UpdatedMar 17, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMar 16, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
1225 Millennium Pkwy, Brandon, FL, 33511
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
5.10%
up to 72 months
▼
APR5.10%
Termup to 72 months
Last UpdatedMar 15, 2026
Details
As Low As; APR includes Local Heroes Program Discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL, 33777
Auto Loan - Used Vehicles
5.12%
48 Months
▼
APR5.12%
Term48 Months
Last UpdatedMar 13, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
Used Cars & Trucks 2020-2026
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 13, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
Used Cars, Trucks, Vans
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedMar 17, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL, 33511
Used Vehicle with Auto Pay from DFCU Account
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
601 E Rollins St, Orlando, FL, 32803
Used Car
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As; up to 48 Months
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Used Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 18, 2026
Details
Credit Score 720+
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
New, Used & Refinanced Auto Loan
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 12.99%
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
5.24%
66 months
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APR5.24%
Term66 months
Last UpdatedMar 15, 2026
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Frequently Asked Questions about Auto Loans in Panama City Beach, 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 Panama City Beach, 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 Panama City Beach, 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 Panama City Beach, Florida?
Based on our current data, some of the lowest auto loan rates available in Panama City Beach, Florida include:
- Hello Credit Union: 3.49% (New Auto)
- Panhandle Credit Union: 3.95% (Autos (New 2025-2026))
- All In Credit Union: 4.99% (New or Used Autos (2020-2026))
- Electricians Local 349 Credit Union: 2.99% (New Car/Truck Loans 20% Down)
- Baxter Credit Union: 3.24% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Panama City Beach, Florida. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026
Panama City Beach, Florida Rates & Resources
