Orlando, Florida Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Orlando, Florida auto loan rates range from 3.24% to 10.52% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Orlando, Florida include ECU Credit UnionECU Credit Union8201 Chancellor Dr, Orlando, FL, 32809A+5.0 ★Texas Ratio: 1.34%Rate verified Nov 9, 2026 offering Auto Loan - New Vehicles at 4.00%, Orlando Credit UnionOrlando Credit Union945 S Orange Ave, Orlando, FL, 32806 1212A+5.0 ★Texas Ratio: 4.22%Rate verified Nov 9, 2026 offering New Auto Loan at 4.00%, Navy Federal Credit UnionNavy Federal Credit Union11890 E Colonial Dr, Orlando, FL, 32826 4701A5.0 ★Texas Ratio: 8.14%Rate verified Nov 5, 2026 offering MissionAssistTM Auto - New Auto Loan at 4.19%, Partners Federal Credit UnionPartners Federal Credit Union13705 International Dr S, Orlando, FL, 32821 5411A+5.0 ★Texas Ratio: 4.65%Rate verified Nov 7, 2026 offering Auto Loan - New Vehicle at 4.49%, First Florida Credit UnionFirst Florida Credit Union3724 Edgewater Dr, Orlando, FL, 32804 2831A+5.0 ★Texas Ratio: 3.47%Rate verified Nov 8, 2026 offering Auto Loan at 4.74%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Orlando has 17 local institutions in our database, with auto loan rates as low as 4.00% APR from ECU Credit Union at 8201 Chancellor Dr, Orlando, FL, 32809. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Orlando, Florida. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Orlando, Florida & Surrounding Area
Orlando Auto Loan Rates
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; Models 2025 or newer (under 10,000 miles)
As Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount
As Low As; Models 2025 or newer (under 10,000 miles)
As Low As; Models between 2019 - 2026 (between 10,001 and 100,000 miles)
Rate comparison card; rates based on Partners' best fixed rates on approved credit
As Low As; Daily Periodic Rate: 0.01299%; New & used
As Low As; Daily Periodic Rate: 0.01299%; New & used
As Low As; Daily Periodic Rate: 0.01299%; New & used
As Low As; Daily Periodic Rate: 0.01299%
As Low As; Daily Periodic Rate: 0.01299%
As Low As; Daily Periodic Rate: 0.01299%
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount
New Car; Last updated 11/01/2026
- Nov 5, 20264.84%▲ from 4.59%
- Oct 19, 20264.59%▲ from 4.39%
- Sep 14, 20264.39%first recorded
As Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Models between 2019 - 2026 (between 10,001 and 100,000 miles)
As Low As; Daily Periodic Rate: 0.01367%; $18,000 minimum loan; New & used
As Low As; Daily Periodic Rate: 0.01367%; $18,000 minimum
Auto loan; APR*
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; Rates current as of 11/04/2026; Maximum term may impact APR
- Nov 5, 20265.05%▼ from 5.51%
- Oct 14, 20265.51%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
New Car; Last updated 11/01/2026
- Nov 5, 20265.09%▲ from 4.84%
- Oct 19, 20264.84%▲ from 4.69%
- Sep 14, 20264.69%first recorded
As Low As; Best for new or used autos. Special rate for EV and Hybrid cars/trucks. No application fee. No prepayment penalty.
- Oct 10, 20265.09%▲ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount
Rates based on vehicle model year 2025; Rate Type: Fixed
Rate Type: Fixed; Based on used vehicle model year 2025; Rates subject to change
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rates from 5.23% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $42,500 for 72 months at $686.61/month
As Low As; Models 2025 or newer (under 10,000 miles)
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
Last updated 11/01/2026
- Nov 5, 20265.24%▲ from 4.99%
- Oct 10, 20264.99%first recorded
New Car; Last updated 11/01/2026
- Nov 5, 20265.44%▲ from 5.20%
- Oct 19, 20265.20%▲ from 5.10%
- Sep 14, 20265.10%first recorded
Last updated 11/01/2026
- Nov 5, 20265.44%▲ from 5.19%
- Oct 10, 20265.19%first recorded
As Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount; Minimum loan amount: $25,000; Maximum mileage: 60,000 miles
As Low As; Models between 2019 - 2026 (between 10,001 and 100,000 miles)
Auto loan; APR*
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
APR range: 5.49% - 16.50%; Daily Periodic Rate: 0.015041% - 0.045205%; Rates effective September 25, 2025; Loan subject to normal underwriting guidelines
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
Rates based on vehicle model year 2025; Rate Type: Fixed
Rate Type: Fixed; Based on used vehicle model year 2025; Rates subject to change
As Low As; Rates current as of 11/04/2026; Maximum term may impact APR
- Nov 5, 20265.55%▼ from 6.01%
- Oct 14, 20266.01%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
New Car; Last updated 11/01/2026
- Nov 5, 20265.64%▲ from 5.40%
- Sep 14, 20265.40%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
APR range: 5.69% - 16.50%; Daily Periodic Rate: 0.015589% - 0.045205%; Rates effective September 25, 2025; Loan subject to normal underwriting guidelines
As Low As; Rates from 5.70% APR for 84 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $50,000, maximum loan $150,000; example loan $50,000 for 84 months at $721.11/month
As Low As; Rates current as of 11/04/2026; Maximum term may impact APR
- Nov 5, 20265.74%▼ from 6.07%
- Oct 14, 20266.07%first recorded
As Low As; Daily Periodic Rate: 0.01573%; $25,000 minimum loan; New only
As Low As; Daily Periodic Rate: 0.01573%; $25,000 minimum, new only
As Low As; Minimum Loan Amount: No minimum loan amount; Fixed APR for vehicle model years 2024 and newer
- Oct 5, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
Last updated 11/01/2026
- Nov 5, 20265.79%▲ from 5.55%
- Oct 10, 20265.55%first recorded
As Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount; Minimum loan amount: $25,000; Maximum mileage: 60,000 miles; Not available for vehicles 2020 or older
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Minimum loan for 75 month term is $15,000
Rate Type: Fixed
Rates based on vehicle model year 2025; Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
Rate Type: Fixed; Based on used vehicle model year 2025; Rates subject to change
As Low As; Model Year: 2025 and Newer
As Low As; Minimum Loan Amount: $10,000; Fixed APR for vehicle model years 2024 and newer
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
Rates based on vehicle model year 2025; Rate Type: Fixed
Rate Type: Fixed; Based on used vehicle model year 2025; Rates subject to change
As Low As; Rates from 6.05% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $25,000 for 72 months at $412.42/month; eligible model years 2023-2026
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
Last updated 11/01/2026
- Nov 5, 20266.09%▲ from 5.85%
- Oct 10, 20265.85%first recorded
As Low As; Model Year: 2024
As Low As; Rates current as of 11/04/2026; Maximum term may impact APR
- Nov 5, 20266.24%▼ from 6.57%
- Oct 14, 20266.57%first recorded
As Low As; Models 2025 or newer (under 10,000 miles)
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
- Oct 5, 20266.34%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Rates based on vehicle model year 2025; Rate Type: Fixed
Rate Type: Fixed; Based on used vehicle model year 2025; Rates subject to change
As Low As; Models between 2019 - 2026 (between 10,001 and 100,000 miles); Used vehicle must be 3 years or newer with no more than 30,000 miles to qualify for 84-month term
Auto loan; APR*
- Oct 5, 20266.49%▲ from 6.14%
- Sep 14, 20266.14%first recorded
As Low As; Minimum Loan Amount: $12,000; Fixed APR for vehicle model years 2024 and newer
As Low As; Model Year: 2023
As Low As; Minimum Loan Amount: $20,000; Fixed APR for vehicle model years 2024 and newer
Minimum loan for 84 month term is $25,000
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Model Year: 2022 and 2021
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
APR range: 9.19% - 17.00%; Daily Periodic Rate: 0.025178% - 0.046575%; Rates effective September 25, 2025; Loan subject to normal underwriting guidelines
Finance up to 85% for new autos (minimum 15% down payment); loan amount between $10,000 and $125,000; installments up to 72 months for new autos; example: $20,000 at 9.51% APR for 72 months = $366.18 monthly payment
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $30,000 minimum amount financed
Used autos 1 to 2 years old; finance up to 75% for used autos (minimum 25% down payment); loan amount between $10,000 and $125,000; example: $20,000 at 10.51% APR for 60 months = $430.76 monthly payment
Used autos 3 to 5 years old; finance up to 75% for used autos (minimum 25% down payment); loan amount between $10,000 and $125,000; example: $20,000 at 10.52% APR for 48 months = $513.11 monthly payment
As Low As; Up to one model year old; Effective as of Nov 1, 2026
As Low As; Effective as of Nov 1, 2026; Vehicle must be 10 model years old or newer; Minimum Loan Amount $15,000
As Low As; Model/Year: 2019-2026; 10% down payment; includes 0.25% auto payroll deduction discount
As Low As; Finance up to 125% MSRP (new vehicles) or NADA (used vehicles); No prepayment penalties; Pre-approved loans
Up to 100% financing
As Low As
APR range 3.35% - 18.00%
APR range 3.49% - 17.99%
As Low As; Fixed rate loan
As Low As; Model/Year: 2019-2026; Down Payment: 0%
As Low As; Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Financing up to 90% of NADA retail value; vehicles no older than 7 years; maximum term 7 years
As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount
- Oct 6, 20263.59%▼ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Min. Loan Amount: $5,000.00; Discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%)
As Low As; Fixed rate loan
As Low As; Model/Year: 2020-2026; 10% down payment; includes 0.25% auto payroll deduction discount
As Low As; with Relationship Rewards
As Low As; Special terms up to 36 months; rate range 3.79% - 17.99%; prior rate 3.99% shown struck through
As Low As
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%first recorded
As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount
- Sep 18, 20263.84%▼ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; APR* (As Low As)
As Low As; APR* (As Low As)
As Low As; APR* (As Low As)
As Low As; APR* (As Low As)
Purchase transaction only. Other conditions may apply.
Purchase transactions only. Other conditions may apply.
$20,000.00 Minimum; APR range 3.95% - 18.00%
As Low As; Rates effective as of October 1, 2026; Rates are based on creditworthiness
As Low As; Payment Description: based on credit score; APR Type: Fixed
As Low As; based on credit score; APR Type: Fixed
APR range 3.99% - 17.99%
As Low As; Effective Date: Monday, October 19th, 2026
As Low As; APR range 3.99% - 18.00%; Autos up to 10 years old
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Model/Year: 2020-2026; Down Payment: 0%
As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount
- Oct 6, 20263.99%▼ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Up to 100% financing
As Low As; Starting APR
Financing up to 90% of NADA retail value; vehicles no older than 7 years; maximum term 7 years
As Low As
As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount
- Oct 6, 20264.09%▼ from 4.84%
- Sep 14, 20264.84%first recorded
As Low As; Up to one model year old; Effective as of Nov 1, 2026
- Nov 7, 20264.14%▼ from 4.64%
- Sep 17, 20264.64%first recorded
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Min. Loan Amount $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20264.24%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Min. Loan Amount: $5,000.00; Discounts: Direct Deposit (.25%), Automatic Payment (.25%); 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
APR range: 4.24% - 17.97%; Rate based on creditworthiness
APR range: 4.24% - 17.97%; Rate based on creditworthiness
APR range: 4.24% - 17.97%; Rate based on creditworthiness
As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount
- Oct 6, 20264.24%▼ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; APR = Annual Percentage Rate
Up to 100% financing
Range: 4.25% - 15.50%; Ask about our Protection Plans!
As Low As; Effective as of Nov 1, 2026; Vehicle must be 10 model years old or newer; Minimum Loan Amount $15,000
- Nov 7, 20264.29%▼ from 4.79%
- Sep 17, 20264.79%first recorded
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20264.34%▲ from 4.14%
- Sep 22, 20264.14%first recorded
As Low As; Up to one model year old; Effective as of Nov 1, 2026
- Nov 7, 20264.39%▼ from 4.89%
- Sep 17, 20264.89%first recorded
As Low As; Effective as of Nov 1, 2026; Vehicle must be 10 model years old or newer; Minimum Loan Amount $15,000
- Nov 7, 20264.39%▼ from 4.89%
- Sep 17, 20264.89%first recorded
As Low As; Model Year: New Auto 2025 & Newer
As Low As; New vehicles
As Low As; Rates Effective October 1, 2025
As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount
- Sep 18, 20264.44%▼ from 5.34%
- Sep 14, 20265.34%first recorded
As Low As; Borrow up to $100,000
As Low As; Min. Loan Amount: $5,000.00; Discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%)
Orlando New Auto Auto Loan Rates
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; Models 2025 or newer (under 10,000 miles)
As Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Models 2025 or newer (under 10,000 miles)
Rate comparison card; rates based on Partners' best fixed rates on approved credit
As Low As; Daily Periodic Rate: 0.01299%
As Low As; Daily Periodic Rate: 0.01299%
As Low As; Daily Periodic Rate: 0.01299%
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount
New Car; Last updated 11/01/2026
- Nov 5, 20264.84%▲ from 4.59%
- Oct 19, 20264.59%▲ from 4.39%
- Sep 14, 20264.39%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Daily Periodic Rate: 0.01367%; $18,000 minimum
Auto loan; APR*
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; Rates current as of 11/04/2026; Maximum term may impact APR
- Nov 5, 20265.05%▼ from 5.51%
- Oct 14, 20265.51%first recorded
New Car; Last updated 11/01/2026
- Nov 5, 20265.09%▲ from 4.84%
- Oct 19, 20264.84%▲ from 4.69%
- Sep 14, 20264.69%first recorded
As Low As; Rates from 5.23% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $42,500 for 72 months at $686.61/month
As Low As; Models 2025 or newer (under 10,000 miles)
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
New Car; Last updated 11/01/2026
- Nov 5, 20265.44%▲ from 5.20%
- Oct 19, 20265.20%▲ from 5.10%
- Sep 14, 20265.10%first recorded
As Low As; Model Year: 2025 and newer; APR includes Local Heroes Program Discount; Minimum loan amount: $25,000; Maximum mileage: 60,000 miles
Auto loan; APR*
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
APR range: 5.49% - 16.50%; Daily Periodic Rate: 0.015041% - 0.045205%; Rates effective September 25, 2025; Loan subject to normal underwriting guidelines
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
As Low As; Rates current as of 11/04/2026; Maximum term may impact APR
- Nov 5, 20265.55%▼ from 6.01%
- Oct 14, 20266.01%first recorded
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
New Car; Last updated 11/01/2026
- Nov 5, 20265.64%▲ from 5.40%
- Sep 14, 20265.40%first recorded
As Low As; Rates from 5.70% APR for 84 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $50,000, maximum loan $150,000; example loan $50,000 for 84 months at $721.11/month
As Low As; Daily Periodic Rate: 0.01573%; $25,000 minimum, new only
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; Model Year: 2025 and Newer
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
As Low As; Models 2025 or newer (under 10,000 miles)
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
Auto loan; APR*
- Oct 5, 20266.49%▲ from 6.14%
- Sep 14, 20266.14%first recorded
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
Finance up to 85% for new autos (minimum 15% down payment); loan amount between $10,000 and $125,000; installments up to 72 months for new autos; example: $20,000 at 9.51% APR for 72 months = $366.18 monthly payment
As Low As; Up to one model year old; Effective as of Nov 1, 2026
Up to 100% financing
As Low As
APR range 3.35% - 18.00%
APR range 3.49% - 17.99%
As Low As; Fixed rate loan
As Low As; Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount
- Oct 6, 20263.59%▼ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Min. Loan Amount: $5,000.00; Discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%)
As Low As; Special terms up to 36 months; rate range 3.79% - 17.99%; prior rate 3.99% shown struck through
As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount
- Sep 18, 20263.84%▼ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; APR* (As Low As)
As Low As; APR* (As Low As)
As Low As; APR* (As Low As)
As Low As; APR* (As Low As)
Purchase transaction only. Other conditions may apply.
$20,000.00 Minimum; APR range 3.95% - 18.00%
As Low As; Payment Description: based on credit score; APR Type: Fixed
As Low As; Effective Date: Monday, October 19th, 2026
As Low As; APR range 3.99% - 18.00%; Autos up to 10 years old
As Low As; Model Year: New Auto 2025 & Newer
Up to 100% financing
As Low As; Starting APR
As Low As
As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount
- Oct 6, 20264.09%▼ from 4.84%
- Sep 14, 20264.84%first recorded
As Low As; Up to one model year old; Effective as of Nov 1, 2026
- Nov 7, 20264.14%▼ from 4.64%
- Sep 17, 20264.64%first recorded
As Low As; Model Year: New Auto 2025 & Newer
APR range: 4.24% - 17.97%; Rate based on creditworthiness
APR range: 4.24% - 17.97%; Rate based on creditworthiness
APR range: 4.24% - 17.97%; Rate based on creditworthiness
As Low As; APR = Annual Percentage Rate
Up to 100% financing
Range: 4.25% - 15.50%; Ask about our Protection Plans!
As Low As; Up to one model year old; Effective as of Nov 1, 2026
- Nov 7, 20264.39%▼ from 4.89%
- Sep 17, 20264.89%first recorded
As Low As; Model Year: New Auto 2025 & Newer
As Low As; New vehicles
As Low As; Rates Effective October 1, 2025
As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount
- Sep 18, 20264.44%▼ from 5.34%
- Sep 14, 20265.34%first recorded
As Low As; Min. Loan Amount: $5,000.00; Discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%)
Orlando Used Auto Auto Loan Rates
As Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount
As Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount
As Low As; Models between 2019 - 2026 (between 10,001 and 100,000 miles)
As Low As; Daily Periodic Rate: 0.01299%
As Low As; Daily Periodic Rate: 0.01299%
As Low As; Daily Periodic Rate: 0.01299%
As Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount
As Low As; Models between 2019 - 2026 (between 10,001 and 100,000 miles)
As Low As; Daily Periodic Rate: 0.01367%; $18,000 minimum
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount
Rates based on vehicle model year 2025; Rate Type: Fixed
Rate Type: Fixed; Based on used vehicle model year 2025; Rates subject to change
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Last updated 11/01/2026
- Nov 5, 20265.24%▲ from 4.99%
- Oct 10, 20264.99%first recorded
Last updated 11/01/2026
- Nov 5, 20265.44%▲ from 5.19%
- Oct 10, 20265.19%first recorded
As Low As; Models between 2019 - 2026 (between 10,001 and 100,000 miles)
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
Rates based on vehicle model year 2025; Rate Type: Fixed
Rate Type: Fixed; Based on used vehicle model year 2025; Rates subject to change
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
APR range: 5.69% - 16.50%; Daily Periodic Rate: 0.015589% - 0.045205%; Rates effective September 25, 2025; Loan subject to normal underwriting guidelines
As Low As; Rates current as of 11/04/2026; Maximum term may impact APR
- Nov 5, 20265.74%▼ from 6.07%
- Oct 14, 20266.07%first recorded
As Low As; Daily Periodic Rate: 0.01573%; $25,000 minimum, new only
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
Last updated 11/01/2026
- Nov 5, 20265.79%▲ from 5.55%
- Oct 10, 20265.55%first recorded
As Low As; Model Year: 2024-2022; 2021 or older incurs 1% rate add-on; APR includes Local Heroes Program Discount; Minimum loan amount: $25,000; Maximum mileage: 60,000 miles; Not available for vehicles 2020 or older
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Minimum loan for 75 month term is $15,000
Rates based on vehicle model year 2025; Rate Type: Fixed
Rate Type: Fixed; Based on used vehicle model year 2025; Rates subject to change
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
Rates based on vehicle model year 2025; Rate Type: Fixed
Rate Type: Fixed; Based on used vehicle model year 2025; Rates subject to change
As Low As; Rates from 6.05% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $25,000 for 72 months at $412.42/month; eligible model years 2023-2026
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
Last updated 11/01/2026
- Nov 5, 20266.09%▲ from 5.85%
- Oct 10, 20265.85%first recorded
As Low As; Rates current as of 11/04/2026; Maximum term may impact APR
- Nov 5, 20266.24%▼ from 6.57%
- Oct 14, 20266.57%first recorded
As Low As; Starting at; Rate includes 0.50% discount for automatic payments from AHCU Checking with direct deposit
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
- Oct 5, 20266.34%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Rates based on vehicle model year 2025; Rate Type: Fixed
Rate Type: Fixed; Based on used vehicle model year 2025; Rates subject to change
As Low As; Models between 2019 - 2026 (between 10,001 and 100,000 miles); Used vehicle must be 3 years or newer with no more than 30,000 miles to qualify for 84-month term
Minimum loan for 84 month term is $25,000
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Used autos 1 to 2 years old; finance up to 75% for used autos (minimum 25% down payment); loan amount between $10,000 and $125,000; example: $20,000 at 10.51% APR for 60 months = $430.76 monthly payment
Used autos 3 to 5 years old; finance up to 75% for used autos (minimum 25% down payment); loan amount between $10,000 and $125,000; example: $20,000 at 10.52% APR for 48 months = $513.11 monthly payment
As Low As; Effective as of Nov 1, 2026; Vehicle must be 10 model years old or newer; Minimum Loan Amount $15,000
APR range 3.35% - 18.00%
Financing up to 90% of NADA retail value; vehicles no older than 7 years; maximum term 7 years
As Low As; Fixed rate loan
As Low As
As Low As; APR* (As Low As)
As Low As; APR* (As Low As)
As Low As; APR* (As Low As)
As Low As; APR* (As Low As)
Purchase transactions only. Other conditions may apply.
$20,000.00 Minimum; APR range 3.95% - 18.00%
As Low As; based on credit score; APR Type: Fixed
APR range 3.99% - 17.99%
As Low As; APR range 3.99% - 18.00%; Autos up to 10 years old
As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount
- Oct 6, 20263.99%▼ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As Low As; Starting APR
Financing up to 90% of NADA retail value; vehicles no older than 7 years; maximum term 7 years
As Low As; Min. Loan Amount $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20264.24%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Min. Loan Amount: $5,000.00; Discounts: Direct Deposit (.25%), Automatic Payment (.25%); 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; Rates based on 0.25% payroll deduction discount and 0.25% direct deposit discount
- Oct 6, 20264.24%▼ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Effective as of Nov 1, 2026; Vehicle must be 10 model years old or newer; Minimum Loan Amount $15,000
- Nov 7, 20264.29%▼ from 4.79%
- Sep 17, 20264.79%first recorded
As Low As; Effective as of Nov 1, 2026; Vehicle must be 10 model years old or newer; Minimum Loan Amount $15,000
- Nov 7, 20264.39%▼ from 4.89%
- Sep 17, 20264.89%first recorded
Orlando, FL Auto Loan Rate Trends
Compare local Orlando, FL auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Florida new auto rates rose 0.002 points over the past 7 days to 5.028% APR.
Florida used auto rates fell 0.025 points over the past 7 days to 5.574% APR.
Orlando, FL Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Florida figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Florida APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.03% APR FL average | Used Auto @ 5.57% APR FL average | Monthly Difference |
|---|---|---|---|
| $15,000 | $283.26/mo | $287.03/mo | $3.77/mo |
| $25,000 | $472.10/mo | $478.38/mo | $6.28/mo |
| $35,000 | $660.94/mo | $669.73/mo | $8.79/mo |
| $45,000 | $849.78/mo | $861.08/mo | $11.30/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Orlando, Florida
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Orlando, Florida locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Florida. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Orlando, Florida high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Orlando, Florida CD rates lock in a guaranteed return until you’re ready to buy
Orlando, Florida Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $567 monthly car payment works out to roughly 16.1% of the median individual income in Orlando, Florida. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Orlando, Florida, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Orlando, Florida. We’ve prefilled the APR with today’s FL new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Orlando, 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 Orlando, 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 Orlando, Florida. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in FL.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Orlando, Florida
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Orlando, Florida
What are auto loan rates in Orlando, Florida today?
How does my credit score affect my car loan rate in Orlando, Florida?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Orlando, Florida?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Orlando, Florida?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Orlando, Florida?
- ECU Credit Union: 4.00% (Auto Loan - New Vehicles)
- Orlando Credit Union: 4.00% (New Auto Loan)
- Navy Federal Credit Union: 4.19% (MissionAssistTM Auto - New Auto Loan)
- Partners Federal Credit Union: 4.49% (Auto Loan - New Vehicle)
- First Florida Credit Union: 4.74% (Auto Loan)
Orlando, Florida Rates & Resources
