Auto Loan Rates in Port St Lucie, Florida (FL) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Port St Lucie, Florida include My Pensacola Federal Credit UnionMy Pensacola Federal Credit UnionA+5.0 ★Texas Ratio: 0.87% offering Celebrating Our Members Auto Loans (New) Special* at 3.15%, Keys Federal Credit UnionKeys Federal Credit UnionA5.0 ★Texas Ratio: 10.34% offering Auto Loans at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, TMH Federal Credit UnionTMH Federal Credit UnionA+5.0 ★Texas Ratio: 5.40% offering New Auto/ Used Auto (Five Years or Newer) at 3.35%, Miami Postal Service Credit UnionMiami Postal Service Credit UnionA+5.0 ★Texas Ratio: 3.48% offering New Automobile at 3.49%. Auto loan rates as of June 15, 2026 according to verified data from MonitorBankRates.
Port St Lucie borrowers have access to 36 lenders serving the Florida area, with auto loan rates as low as 3.15% APR from My Pensacola Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Port St Lucie, Florida. Auto Loan Rates Last Updated and Verified: June 15, 2026
Compare Auto Loan Rates Today in Port St Lucie, Florida & Surrounding Area
Port St Lucie Auto Loan Rates
special rate up to 24 months*
special rate up to 24 months*
As Low As; Terms up to 84 months
Rates as low as
As Low As
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
Rates as low as
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 24 month to 84 month terms
As Low As; Minimum Loan Amount: $5,000.00
Used Vehicle; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Rates as low as
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 2026 & Newer
As Low As
As Low As
As Low As; Minimum Loan Amount: $5,000.00
Used Vehicle; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
36 months at 4.290% (4.290% APR) for a $30,000 loan would result in a monthly payment of $889.59.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
5.79% on new and used vehicles for terms up to 48 months.
5.79% on new and used vehicles for terms up to 48 months.
As Low As
As Low As
Rates as low as
48 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $685.32.
Used Vehicle; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As
As Low As
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Minimum Loan Amount: $5,000.00
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As; APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000.
As Low As
As Low As
36 months at 4.790% (4.790% APR) for a $30,000 loan would result in a monthly payment of $896.30.
Used Vehicle; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Special Rate
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Minimum Loan Amount: $5,000.00
As Low As; 100% Amount Financed; b
48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
As Low As
60 months at 5.000% (5.000% APR) for a $30,000 loan would result in a monthly payment of $566.14.
As Low As
As Low As
Used Vehicle; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As; 2023 - 2025*
As Low As
Rates from 5.23% APR for new Cars. Annual Percentage Rate (APR) is accurate as of 02/02/2026 and includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Minimum Loan Amount: $5,000.00
As Low As; 100% Amount Financed; b
Bay; As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
72 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $488.03.
60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96.
As Low As
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As
As Low As
As Low As
As Low As; APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000.
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Minimum Loan Amount: $5,000.00
As Low As; 100% Amount Financed; b
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As; based on credit score
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
72 months at 5.650% (5.650% APR) for a $30,000 loan would result in a monthly payment of $492.25.
As Low As; based on credit score
As Low As
As Low As; Minimum Loan Amount: $20,000.00
As Low As; Minimum Loan Amount: $5,000.00
As Low As; 100% Amount Financed; b
As Low As; based on credit score
As Low As; $15K minimum. APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000.
Used Vehicle; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As
As Low As; based on credit score
As Low As; Minimum Loan Amount: $5,000.00
As Low As; 100% Amount Financed; b
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As; (up to 4 model years old)
As Low As; based on credit score
As Low As
As Low As; New Vehicles Only > $25,000
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; 100% Amount Financed; b
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
As Low As; based on credit score
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Port St Lucie New Auto Auto Loan Rates
special rate up to 24 months*
Rates as low as
As Low As
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Rates as low as
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As
36 months at 4.290% (4.290% APR) for a $30,000 loan would result in a monthly payment of $889.59.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As
As Low As
As Low As; Minimum Loan Amount: $5,000.00
5.79% on new and used vehicles for terms up to 48 months.
As Low As
As Low As
48 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $685.32.
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As; 100% Amount Financed; b
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
60 months at 5.000% (5.000% APR) for a $30,000 loan would result in a monthly payment of $566.14.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As
As Low As
72 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $488.03.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As; 100% Amount Financed; b
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As; based on credit score
As Low As
As Low As
As Low As; based on credit score
As Low As
As Low As; Minimum Loan Amount: $20,000.00
As Low As
As Low As; based on credit score
As Low As; 100% Amount Financed; b
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As; (up to 4 model years old)
As Low As; New Vehicles Only > $25,000
As Low As
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Port St Lucie Used Auto Auto Loan Rates
special rate up to 24 months*
As Low As
Rates as low as
As Low As; Minimum Loan Amount: $5,000.00
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
5.79% on new and used vehicles for terms up to 48 months.
Rates as low as
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As; APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000.
36 months at 4.790% (4.790% APR) for a $30,000 loan would result in a monthly payment of $896.30.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As
As Low As
As Low As; Minimum Loan Amount: $5,000.00
48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As; 100% Amount Financed; b
As Low As
As Low As
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96.
As Low As
As Low As
As Low As; APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000.
As Low As; Minimum Loan Amount: $5,000.00
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
72 months at 5.650% (5.650% APR) for a $30,000 loan would result in a monthly payment of $492.25.
As Low As; Minimum Loan Amount: $5,000.00
As Low As; 100% Amount Financed; b
As Low As; based on credit score
As Low As; $15K minimum. APRs are effective as of 6/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As; Minimum Loan Amount: $5,000.00
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As; (up to 4 model years old)
As Low As; based on credit score
As Low As
As Low As
As Low As
As Low As; 100% Amount Financed; b
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU. 2017 and older MAX TERM 48 Months.
As Low As; based on credit score
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Port St Lucie, FL Auto Loan Rate Trends
Compare local Port St Lucie, FL auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Florida new auto rates fell 0.104 points over the past 7 days to 4.991% APR.
Florida used auto rates fell 0.055 points over the past 7 days to 5.684% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Port St Lucie, Florida auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Port St Lucie, Florida directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Port St Lucie, Florida. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in FL.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Port St Lucie, Florida
How does my credit score affect my car loan rate in Florida?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Port St Lucie, Florida?
- My Pensacola Federal Credit Union: 3.15% (Celebrating Our Members Auto Loans (New) Special*)
- Keys Federal Credit Union: 3.25% (Auto Loans)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- TMH Federal Credit Union: 3.35% (New Auto/ Used Auto (Five Years or Newer))
- Miami Postal Service Credit Union: 3.49% (New Automobile)
Port St Lucie, Florida Rates & Resources
