Florida Best Auto Loan Rates - October 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
Florida auto loan rates range from 3.24% to 5.09% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Florida include Memorial Employees Financial Credit UnionMemorial Employees Financial Credit Union3501 Johnson St, Hollywood, FL, 33021 5421A+5.0 ★Texas Ratio: 0.73% offering Auto Loans (with 10% Down Payment) - 2019-2026 at 3.24%, Tyndall Federal Credit UnionTyndall Federal Credit Union1601 Ohio Ave, Lynn Haven, FL, 32444 3746A+5.0 ★Texas Ratio: 0.96% offering New Auto/Truck at 3.24%, Keys Federal Credit UnionKeys Federal Credit Union514 Southard St, Key West, FL, 33040A+5.0 ★Texas Ratio: 5.06% offering Auto Loans at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315A+5.0 ★Texas Ratio: 2.87% offering New Auto at 3.34%, TMH Federal Credit UnionTMH Federal Credit Union345 S Magnolia Dr, Tallahassee, FL, 32301A+5.0 ★Texas Ratio: 5.88% offering New Auto/ Used Auto (Five Years or Newer) at 3.35%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Florida side-by-side. Florida auto loan rates currently start as low as 3.24% APR from Memorial Employees Financial Credit Union at 3501 Johnson St, Hollywood, FL, 33021 5421. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Florida. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Florida
Florida Auto Loan Rates
Model/Year: 2019-2026
As Low As; Up to one model year old
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
As Low As; Finance up to 125% MSRP (new vehicles) or NADA (used vehicles); No prepayment penalties; Rate based on creditworthiness and term of loan
As Low As; Auto & Recreational Loans
Published APR range: 3.35% - 18.00%.
As low as; New cars are financed for a term up to 72 months. Used cars may be financed from 24 to 60 months depending on the year of the car.
Model/Year: 2019-2026
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
APR range: 3.49% - 17.99%
As Low As; % Over Index: N/A
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20263.59%▼ from 4.24%
- Sep 14, 20264.24%first recorded
Model/Year: 2020-2026
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20263.74%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; % Over Index: N/A
As low as 3.75% with Relationship Rewards
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20263.84%▼ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Auto & Recreational Loans
Purchase transaction only. Other conditions may apply.
Purchase transactions only. Other conditions may apply.
As Low As
As Low As; Rates subject to change.
As Low As
As Low As
As Low As
As Low As
Published APR range: 3.95% - 18.00%. Minimum loan amount: $20,000.00
based on credit score
based on credit score; As Low As; Fixed
Autos up to 10 years old
Model Year: New Auto 2025 & Newer
Model/Year: 2020-2026
Additional APR listed for this product: 4.49%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20263.99%▼ from 4.49%
- Sep 14, 20264.49%first recorded
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
APR range: 3.99% - 17.99%
As Low As; Category: New & Used Automobiles
APR includes Local Heroes Program Discount
Starting APR
Rate Type: Fixed
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.09%▼ from 4.84%
- Sep 14, 20264.84%first recorded
As low as
As Low As; Auto & Recreational Loans
Rate Type: Fixed
Model Year: New Auto 2025 & Newer
As Low As
As Low As
Additional APR listed for this product: 4.74%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.24%▼ from 4.74%
- Sep 14, 20264.74%first recorded
Published APR range: 4.24% to 14.99%. Model Year: Newer - 5 recent model years; Payment example: For a $20,000.00 loan for 2022 Chrysler Pacifica Limited, 36 months at 4.24%, the Smart Choice loan monthly payment would be $260.00 with a residual balance of $14,475.00 vs a conventional monthly payment of $593.00. Rates are effective as of January 5, 2026. Refinances from other institutions only.
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
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; 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%); New vehicle - current or prior year only
Published APR range: 4.24 - 17.97%. APR range as printed; Rate based on creditworthiness
Published APR range: 4.24 - 17.97%. APR range as printed; Rate based on creditworthiness
Published APR range: 4.24 - 17.97%. APR range as printed; Rate based on creditworthiness
APR includes Local Heroes Program Discount
As Low As
Published APR range: 4.25% - 15.50%. Ask about our Protection Plans!
Rate Type: Fixed
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Rate Type: Fixed
Loan Payment Example: An Auto Loan of $33,000 at a rate of 4.24% rate (4.39% APR) for a 60-month term would result in a monthly payment of approximately $611.33.
- Oct 10, 20264.39%▼ from 5.40%
- Sep 14, 20265.40%first recorded
Model Year: New Auto 2025 & Newer
As low as
APR includes Local Heroes Program Discount
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20264.44%▼ from 5.34%
- Sep 14, 20265.34%first recorded
As Low As
As Low As
Credit Score: 720+
Credit Score: 720+
With Auto Pay Discount. Last updated 10/01/2026
- Oct 10, 20264.49%▲ from 4.39%
- Sep 27, 20264.39%first recorded
Published APR range: 4.49% to 16.99%. 4.74% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
Published APR range: 4.49% to 16.99%. 4.74% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
As Low As; Borrow up to $100,000
As Low As; Models 2025 or newer (under 10,000 miles); Estimated monthly payment per $1,000: $29.74
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; Category: New & Used Automobiles
As Low As
Published APR range: 4.50% - 16.25%. Ask about our Protection Plans!
Published APR range: 4.50% - 15.75%. Ask about our Protection Plans!
Starting APR
100% Financing; With 700 Credit Score or above; For autos over $50,000 - 90% financing maximum
As Low As; Stated APR includes a .50% Full Direct Deposit discount
APR includes Local Heroes Program Discount
36 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $893.61. Last updated 10/01/2026
- Oct 10, 20264.59%▲ from 4.39%
- Sep 27, 20264.39%first recorded
Additional APR listed for this product: 5.09%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.59%▼ from 5.09%
- Sep 18, 20265.09%first recorded
As Low As
As Low As; Rates subject to change.
Fixed APR as low as
As Low As
As Low As; Auto & Recreational Loans
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As low as 4.60%*; Applies to applicants with direct deposit of net pay and a checking account.
As Low As; Up to one model year old
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.69%▼ from 5.09%
- Sep 22, 20265.09%▲ from 4.69%
- Sep 18, 20264.69%▼ from 5.59%
- Sep 14, 20265.59%first recorded
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+
As Low As; well-qualified borrower; Auto Vehicle Loan Rates
As Low As; well-qualified borrower; Auto Vehicle Loan Rates
APR includes Local Heroes Program Discount
As low As; Percent Financed: up to 100%; New is considered to be within 1 year and under 10,000 miles; Used is considered to be between 1 & 7 years old and under 125,000 miles
Rates as low as
- Oct 9, 20264.74%▲ from 4.49%
- Sep 21, 20264.49%first recorded
Rates as low as
- Oct 9, 20264.74%▲ from 4.49%
- Sep 21, 20264.49%first recorded
Credit Score: 720+
With Auto Pay Discount. Last updated 10/01/2026
- Oct 10, 20264.74%▲ from 4.69%
- Sep 27, 20264.69%first recorded
- Oct 10, 20264.74%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Partners best fixed rate on approved credit; rate comparison tool
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); Estimated monthly payment per $1,000: $29.85
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
Published APR range: 4.74 - 17.97%. APR range as printed; Rate based on creditworthiness
Published APR range: 4.74 - 17.97%. As Low As; APR range 4.74 - 17.97%; Electric Vehicle Rate Discount - Up to a 0.25% discount on the rate for a Fully Electric Vehicle
Published APR range: 4.74 - 17.97%. As Low As; APR range 4.74 - 17.97%; Electric Vehicle Rate Discount - Up to a 0.25% discount on the rate for a Fully Electric Vehicle
Published APR range: 4.74 - 17.97%. As Low As; APR range 4.74 - 17.97%; Electric Vehicle Rate Discount - Up to a 0.25% discount on the rate for a Fully Electric Vehicle
APR as low as; Model Year: 2024-2026 with fewer than 36,000 miles; Includes -0.50% APR discount for automatic payment transfer
As low as; Mileage could affect the maximum term allowed. Max mileage is 100,000.; Model Year: 2025 - 2026
APR includes Local Heroes Program Discount
Model/Year: 2021-2026
As Low As
As Low As; Borrow up to $100,000
Published APR range: 4.75% - 16.50%. Ask about our Protection Plans!
100% Financing; With 700 Credit Score or above; For autos over $50,000 - 90% financing maximum
Rate Type: Fixed
As Low As
As Low As; Rates subject to change.
Fixed APR as low as
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
As Low As; Stated APR includes a .50% Full Direct Deposit discount
As Low As; Loan Term
48 months at 4.840% (4.840% APR) for a $30,000 loan would result in a monthly payment of $688.71. Last updated 10/01/2026
- Oct 10, 20264.84%▲ from 4.69%
- Sep 27, 20264.69%first recorded
Additional APR listed for this product: 5.34%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.84%▼ from 5.34%
- Sep 14, 20265.34%first recorded
Fixed APR as low as
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
APR includes Local Heroes Program Discount
Term: 6 years (over $15,000); As low as 4.85%*; Applies to applicants with direct deposit of net pay and a checking account.
Model Year: New Auto 2025 & Newer
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Up to one model year old
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
As low as
Published APR range: 4.95% - 18.00%. Minimum loan amount: $30,000.00
As Low As
As Low As
Credit Score: 720+
Credit Score: 680-719
Credit Score: 720+
FL; As Low As; Payment Per $1,000 Borrowed: $23.07
36 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $898.99. Last updated 10/01/2026
- Oct 10, 20264.99%▲ from 4.89%
- Sep 14, 20264.89%first recorded
Published APR range: 4.99% - 10.34%.
- Oct 10, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Published APR range: 4.99% - 17.99%; Published rate range: 4.99% - 17.99%. Maximum loan term will depend on the age of collateral and/or the size of the loan. Monthly payments per $1,000 for up to 24 months at 4.99% APR is $44.23. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. 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
- Oct 5, 20264.99%▲ from 4.24%
- Sep 14, 20264.24%first recorded
100% Financing; With 700 Credit Score or above; For autos over $50,000 - 90% financing maximum
As Low As; Models between 2019 - 2026 (between 10,001 and 100,000 miles)
As Low As
As Low As
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
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, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
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%); New vehicle - current or prior year only
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
Auto Loan Rates
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
Model/Year: 2021-2026
As Low As
As Low As
As Low As; Borrow up to $100,000
Published APR range: 5.00% - 16.50%. Ask about our Protection Plans!
Starting APR
90% Financing; With 700 Credit Score or above; Financing does not include sales tax, tags, destination charges, etc.
Rate Type: Fixed
As Low As; Rates shown reflect maximum discounts available; rates based on individual's creditworthiness
As Low As; Rates shown reflect maximum discounts available; rates based on individual's creditworthiness
As Low As; Rates shown reflect maximum discounts available; rates based on individual's creditworthiness
As Low As; Rates shown reflect maximum discounts available; rates based on individual's creditworthiness
As Low As; Rates shown reflect maximum discounts available; rates based on individual's creditworthiness
As Low As; Rates shown reflect maximum discounts available; rates based on individual's creditworthiness
As Low As; Stated APR includes a .50% Full Direct Deposit discount
As Low As
As Low As; Minimum loan amount: $2,500
Best for new or used autos. Special rate for EV and Hybrid cars/trucks. No application fee2. No prepayment penalty.
- Oct 10, 20265.09%▲ from 4.75%
- Sep 14, 20264.75%first recorded
Additional APR listed for this product: 5.59%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20265.09%▼ from 5.59%
- Sep 14, 20265.59%first recorded
Florida New Auto Auto Loan Rates
As Low As; Up to one model year old
As Low As; Auto & Recreational Loans
Published APR range: 3.35% - 18.00%.
As low as; New cars are financed for a term up to 72 months. Used cars may be financed from 24 to 60 months depending on the year of the car.
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
APR range: 3.49% - 17.99%
As Low As; % Over Index: N/A
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 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; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20263.74%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20263.84%▼ from 4.74%
- Sep 14, 20264.74%first recorded
Purchase transaction only. Other conditions may apply.
As Low As
As Low As; Rates subject to change.
As Low As
As Low As
As Low As
As Low As
Published APR range: 3.95% - 18.00%. Minimum loan amount: $20,000.00
based on credit score
Autos up to 10 years old
Model Year: New Auto 2025 & Newer
As Low As; Category: New & Used Automobiles
APR includes Local Heroes Program Discount
Starting APR
Rate Type: Fixed
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.09%▼ from 4.84%
- Sep 14, 20264.84%first recorded
As low as
As Low As; Auto & Recreational Loans
Rate Type: Fixed
Model Year: New Auto 2025 & Newer
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Published APR range: 4.24 - 17.97%. APR range as printed; Rate based on creditworthiness
Published APR range: 4.24 - 17.97%. APR range as printed; Rate based on creditworthiness
Published APR range: 4.24 - 17.97%. APR range as printed; Rate based on creditworthiness
As Low As
Published APR range: 4.25% - 15.50%. Ask about our Protection Plans!
Rate Type: Fixed
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Rate Type: Fixed
Model Year: New Auto 2025 & Newer
As low as
APR includes Local Heroes Program Discount
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20264.44%▼ from 5.34%
- Sep 14, 20265.34%first recorded
Credit Score: 720+
Credit Score: 720+
With Auto Pay Discount. Last updated 10/01/2026
- Oct 10, 20264.49%▲ from 4.39%
- Sep 27, 20264.39%first recorded
Published APR range: 4.49% to 16.99%. 4.74% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
As Low As; Models 2025 or newer (under 10,000 miles); Estimated monthly payment per $1,000: $29.74
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; Category: New & Used Automobiles
As Low As
Published APR range: 4.50% - 16.25%. Ask about our Protection Plans!
Starting APR
100% Financing; With 700 Credit Score or above; For autos over $50,000 - 90% financing maximum
As Low As; Stated APR includes a .50% Full Direct Deposit discount
APR includes Local Heroes Program Discount
36 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $893.61. Last updated 10/01/2026
- Oct 10, 20264.59%▲ from 4.39%
- Sep 27, 20264.39%first recorded
As Low As
As Low As; Rates subject to change.
Fixed APR as low as
As Low As
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As low as 4.60%*; Applies to applicants with direct deposit of net pay and a checking account.
As Low As; Up to one model year old
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.69%▼ from 5.09%
- Sep 22, 20265.09%▲ from 4.69%
- Sep 18, 20264.69%▼ from 5.59%
- Sep 14, 20265.59%first recorded
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; well-qualified borrower; Auto Vehicle Loan Rates
As low As; Percent Financed: up to 100%; New is considered to be within 1 year and under 10,000 miles; Used is considered to be between 1 & 7 years old and under 125,000 miles
Rates as low as
- Oct 9, 20264.74%▲ from 4.49%
- Sep 21, 20264.49%first recorded
Rates as low as
- Oct 9, 20264.74%▲ from 4.49%
- Sep 21, 20264.49%first recorded
With Auto Pay Discount. Last updated 10/01/2026
- Oct 10, 20264.74%▲ from 4.69%
- Sep 27, 20264.69%first recorded
- Oct 10, 20264.74%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Partners best fixed rate on approved credit; rate comparison tool
As Low As; Models 2025 or newer (under 10,000 miles)
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
Published APR range: 4.74 - 17.97%. APR range as printed; Rate based on creditworthiness
APR as low as; Model Year: 2024-2026 with fewer than 36,000 miles; Includes -0.50% APR discount for automatic payment transfer
APR includes Local Heroes Program Discount
As Low As
100% Financing; With 700 Credit Score or above; For autos over $50,000 - 90% financing maximum
Rate Type: Fixed
Fixed APR as low as
As Low As; Stated APR includes a .50% Full Direct Deposit discount
48 months at 4.840% (4.840% APR) for a $30,000 loan would result in a monthly payment of $688.71. Last updated 10/01/2026
- Oct 10, 20264.84%▲ from 4.69%
- Sep 27, 20264.69%first recorded
Fixed APR as low as
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Term: 6 years (over $15,000); As low as 4.85%*; Applies to applicants with direct deposit of net pay and a checking account.
Model Year: New Auto 2025 & Newer
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Up to one model year old
Published APR range: 4.95% - 18.00%. Minimum loan amount: $30,000.00
Credit Score: 720+
Credit Score: 680-719
FL; As Low As; Payment Per $1,000 Borrowed: $23.07
Published APR range: 4.99% - 17.99%; Published rate range: 4.99% - 17.99%. Maximum loan term will depend on the age of collateral and/or the size of the loan. Monthly payments per $1,000 for up to 24 months at 4.99% APR is $44.23. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. 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
- Oct 5, 20264.99%▲ from 4.24%
- Sep 14, 20264.24%first recorded
100% Financing; With 700 Credit Score or above; For autos over $50,000 - 90% financing maximum
As Low As
As Low As
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
Auto Loan Rates
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As
Published APR range: 5.00% - 16.50%. Ask about our Protection Plans!
Starting APR
Rate Type: Fixed
As Low As; Rates shown reflect maximum discounts available; rates based on individual's creditworthiness
As Low As; Rates shown reflect maximum discounts available; rates based on individual's creditworthiness
As Low As; Rates shown reflect maximum discounts available; rates based on individual's creditworthiness
As Low As; Rates shown reflect maximum discounts available; rates based on individual's creditworthiness
As Low As; Rates shown reflect maximum discounts available; rates based on individual's creditworthiness
As Low As; Rates shown reflect maximum discounts available; rates based on individual's creditworthiness
As Low As
As Low As; Minimum loan amount: $2,500
Florida Used Auto Auto Loan Rates
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
Published APR range: 3.35% - 18.00%.
As low as; New cars are financed for a term up to 72 months. Used cars may be financed from 24 to 60 months depending on the year of the car.
As Low As; % Over Index: N/A
As Low As; Auto & Recreational Loans
Purchase transactions only. Other conditions may apply.
As Low As
As Low As
As Low As
As Low As
Published APR range: 3.95% - 18.00%. Minimum loan amount: $20,000.00
based on credit score; As Low As; Fixed
Autos up to 10 years old
Additional APR listed for this product: 4.49%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20263.99%▼ from 4.49%
- Sep 14, 20264.49%first recorded
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
APR range: 3.99% - 17.99%
Starting APR
Additional APR listed for this product: 4.74%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.24%▼ from 4.74%
- Sep 14, 20264.74%first recorded
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; 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%); New vehicle - current or prior year only
APR includes Local Heroes Program Discount
Published APR range: 4.49% to 16.99%. 4.74% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
As Low As; Category: New & Used Automobiles
Published APR range: 4.50% - 15.75%. Ask about our Protection Plans!
Starting APR
Additional APR listed for this product: 5.09%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.59%▼ from 5.09%
- Sep 18, 20265.09%first recorded
As Low As
As Low As; Auto & Recreational Loans
As Low As; Loan Amount: $2,500+
As Low As; well-qualified borrower; Auto Vehicle Loan Rates
APR includes Local Heroes Program Discount
As low As; Percent Financed: up to 100%; New is considered to be within 1 year and under 10,000 miles; Used is considered to be between 1 & 7 years old and under 125,000 miles
Credit Score: 720+
As Low As; Models between 2019 - 2026 (between 10,001 and 100,000 miles); Estimated monthly payment per $1,000: $29.85
Published APR range: 4.74 - 17.97%. As Low As; APR range 4.74 - 17.97%; Electric Vehicle Rate Discount - Up to a 0.25% discount on the rate for a Fully Electric Vehicle
Published APR range: 4.74 - 17.97%. As Low As; APR range 4.74 - 17.97%; Electric Vehicle Rate Discount - Up to a 0.25% discount on the rate for a Fully Electric Vehicle
Published APR range: 4.74 - 17.97%. As Low As; APR range 4.74 - 17.97%; Electric Vehicle Rate Discount - Up to a 0.25% discount on the rate for a Fully Electric Vehicle
As low as; Mileage could affect the maximum term allowed. Max mileage is 100,000.; Model Year: 2025 - 2026
Published APR range: 4.75% - 16.50%. Ask about our Protection Plans!
As Low As
As Low As; Rates subject to change.
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
Additional APR listed for this product: 5.34%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.84%▼ from 5.34%
- Sep 14, 20265.34%first recorded
APR includes Local Heroes Program Discount
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
As low as
Published APR range: 4.95% - 18.00%. Minimum loan amount: $30,000.00
Credit Score: 720+
36 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $898.99. Last updated 10/01/2026
- Oct 10, 20264.99%▲ from 4.89%
- Sep 14, 20264.89%first recorded
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. 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
- Oct 5, 20264.99%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Models between 2019 - 2026 (between 10,001 and 100,000 miles)
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, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
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%); New vehicle - current or prior year only
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As
Starting APR
90% Financing; With 700 Credit Score or above; Financing does not include sales tax, tags, destination charges, etc.
As Low As; Stated APR includes a .50% Full Direct Deposit discount
Additional APR listed for this product: 5.59%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20265.09%▼ from 5.59%
- Sep 14, 20265.59%first recorded
Florida Auto Loan Rate Trends
Compare local Florida 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 0.009 points over the past 7 days to 4.976% APR.
Florida used auto rates fell 0.009 points over the past 7 days to 5.575% APR.
Florida 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 @ 4.98% APR FL average | Used Auto @ 5.57% APR FL average | Monthly Difference |
|---|---|---|---|
| $15,000 | $282.90/mo | $287.03/mo | $4.13/mo |
| $25,000 | $471.50/mo | $478.39/mo | $6.89/mo |
| $35,000 | $660.11/mo | $669.75/mo | $9.64/mo |
| $45,000 | $848.71/mo | $861.10/mo | $12.40/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 Florida
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving 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 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: Florida CD rates lock in a guaranteed return until you’re ready to buy
Florida Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $566 monthly car payment works out to roughly 16.2% of the median individual income in 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 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 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 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 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 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 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 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?
Should I get preapproved for an auto loan before visiting a dealer in 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 Florida?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Florida?
- Memorial Employees Financial Credit Union: 3.24% (Auto Loans (with 10% Down Payment) - 2019-2026)
- Tyndall Federal Credit Union: 3.24% (New Auto/Truck)
- 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))
Florida Rates & Resources
Auto Loan Rates by City in Florida
