Jacksonville, Florida Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Jacksonville, Florida include PowerNet Credit UnionPowerNet Credit Union966 N Liberty St, Jacksonville, FL, 32206A+5.0 ★Texas Ratio: 3.29% offering New & Used Auto at 3.49%, Jax Fire Credit UnionJax Fire Credit Union2205 Haines St, Jacksonville, FL, 32206 3301A+5.0 ★Texas Ratio: 0.43% offering NEW VEHICLES - 36-60 Months Loan at 4.40%, JM Associates Federal Credit UnionJM Associates Federal Credit Union9987 Pritchard Rd, Jacksonville, FL, 32219 2894A+5.0 ★Texas Ratio: 3.27% offering New Cars & Trucks Loan at 4.49%, Alive Credit UnionAlive Credit Union9790 Touchton Rd, Jacksonville, FL, 32246A+5.0 ★Texas Ratio: 1.92% offering New Auto/Van/Truck Loans at 4.54%, Coastline Federal Credit UnionCoastline Federal Credit Union4651 Emerson St, Jacksonville, FL, 32207A+5.0 ★Texas Ratio: 1.21% offering New Vehicle Loans - 36 months at 4.59%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Jacksonville has 12 local institutions in our database, with auto loan rates as low as 3.49% APR from PowerNet Credit Union at 966 N Liberty St, Jacksonville, FL, 32206. 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 Jacksonville, Florida. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Jacksonville, Florida & Surrounding Area
Jacksonville Auto Loan Rates
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
As Low As
Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000.
As Low As
As Low As
As low as
As low as
As Low As; Fixed APR
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
As Low As; Fixed APR
As Low As
As Low As
As Low As;; Model Year: 2019 - 2024
As Low As
As low as
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As; Fixed APR
As low as
As Low As;; Model Year: 2019 - 2024
Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000. 67-78 Months: $15K minimum.
As Low As; Fixed APR
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000. 67-78 Months: $15K minimum.
As Low As;; Model Year: 2019 - 2024
As low as
As low as
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As; New Vehicles Only > $25,000
As Low As; Eligible model years 2023-2026. Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Minimum $35,000
As Low As; Fixed APR
As Low As; Minimum $35,000
As Low As;; Model Year: 2019 - 2024
Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000. 79-84 Months: $25K minimum.
As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.
As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.
As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide.
As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide. 60-72 Months: $20K minimum.
As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide. 60-72 Months: $20K minimum.
Model/Year: 2019-2026
Rates as low as 3.25% APR; Finance up to 125% MSRP (new vehicles) or NADA (used vehicles); No prepayment penalties; Refinance existing Auto Loans for cash out or lower payments; Take a pre-approved loan to the dealer when you shop; Keys FCU is an ITIN-approved lender!
As Low As
Published APR range: 3.35% - 18.00%.
As low as
As low as
Published APR range: 3.49% - 17.99%.
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Rate APR* New; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 2025 & Newer
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
Model/Year: 2020-2026
as low as 3.75% with Relationship Rewards Example Payment Disclosure: To finance an auto loan of $15,000 at 4.75% APR for 36 months with $0.00 down payment would be a payment of $447.88 per month
As Low As
Rate APR* New; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Purchase transaction only. Other conditions may apply.
Purchase transactions only. Other conditions may apply.
Term: 72 Months / $20,000.00 Minimum; Published APR range: 3.95% - 18.00%.
As Low As
As low as
As Low As; based on credit score
As Low As; based on credit score
Published APR range: 3.99% - 17.99%.
New Automobile (2025 & newer)
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Autos up to 10 years old
As low as
As Low As; Limited Time Offer!
Rate APR* Used; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
APR includes Local Heroes Program Discount
As Low As
Rate APR* New; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 2025 & Newer
As low as
As Low As
As low as
As low as
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
Published APR range: 4.24 - 17.97%.
Published APR range: 4.24 - 17.97%.
Published APR range: 4.24 - 17.97%.
Rate APR* Used; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Published APR range: 4.25% - 15.50%. Ask about our Protection Plans!
APR includes Local Heroes Program Discount
36 months at 4.390% (4.390% APR) for a $30,000 loan would result in a monthly payment of $890.93. Last updated 08/01/2026
As low as
APR includes Local Heroes Program Discount
Rate APR* New; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Your next auto loan doesn't start with a payment. It starts with a sigh of relief. Loyalty's 90 Days of No Payments Auto Loan offer gives you a new or refinanced vehicle and waits up to 90 days before asking for a payment. That means more time to budget, breathe and handle what's urgent. Whether you're buying something shiny and new or refinancing the ride you've got, this loan gives you room to plan without pressure. Key Benefits: Applies to new or refinanced cars. No payments for up to 90 days. Competitive rates and flexible terms. Local service from people who get it. All auto loan applicants are eligible for an auto refinance incentive of up to 2.5% of the loan amount ($600 maximum). Loan term based on loan amount, Loan to Value, and age of the vehicle. See a helpful Loyalty CU Member Service Specialist for details.
As low as; Borrow up to $100,000
Models 2025 or newer (under 10,000 miles); As Low As; 4.74%; 5.24%; 6.24%
As low as
As low as
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As Low As; Rates are based on credit worthiness, loan amount, model year, and term of the loan.
As Low As; Rates are based on credit worthiness, loan amount, model year, and term of the loan.
Used Automobile (2017 & newer)
Credit Score: 720+
Credit Score: 720+
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Published APR range: 4.49% to 16.99%. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. APR = Annual Percentage Rate. 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. All rates are subject to change without notice. For complete terms and conditions contact Members First Credit Union of FL at (850) 434-2211.
Published APR range: 4.49% to 16.99%. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. APR = Annual Percentage Rate. 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. All rates are subject to change without notice. For complete terms and conditions contact Members First Credit Union of FL at (850) 434-2211.
Published APR range: 4.50% - 16.25%. Ask about our Protection Plans!
Published APR range: 4.50% - 15.75%. Ask about our Protection Plans!
APR includes Local Heroes Program Discount
As Low As
Rate APR* Used; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
As Low As; 2022 - 2024*
Loan Amount: $2,500+
48 months at 4.690% (4.690% APR) for a $30,000 loan would result in a monthly payment of $686.67. Last updated 08/01/2026
Up to 100% financing; Current Year or Previous with Less Than 15k Miles
Rate APR* New; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As low As; Percent Financed: up to 100%
APR includes Local Heroes Program Discount
As Low As
Comparison to FL Average
Models 2025 or newer (under 10,000 miles); As Low As; 4.49%; 5.24%; 6.24%
Models between 2019 - 2026 (between 10,001 and 100,000 miles); As Low As; 4.99%; 5.49%; 6.49%
As low as
As Low As
As low as
As low as
Published APR range: 4.74 - 17.97%.
Published APR range: 4.74 - 17.97%.
Published APR range: 4.74 - 17.97%.
Published APR range: 4.74 - 17.97%.
Credit Score: 720+
Published APR range: 4.74% - 10.034%.
Rates as of 09/22/2026. 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 4.74% APR is $44.10. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As low as; Borrow up to $100,000
Jacksonville New Auto Auto Loan Rates
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
As Low As
As Low As
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As low as
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As; New Vehicles Only > $25,000
Minimum $35,000
Rates as low as 3.25% APR; Finance up to 125% MSRP (new vehicles) or NADA (used vehicles); No prepayment penalties; Refinance existing Auto Loans for cash out or lower payments; Take a pre-approved loan to the dealer when you shop; Keys FCU is an ITIN-approved lender!
As Low As
Published APR range: 3.35% - 18.00%.
As low as
As low as
Published APR range: 3.49% - 17.99%.
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Purchase transaction only. Other conditions may apply.
Term: 72 Months / $20,000.00 Minimum; Published APR range: 3.95% - 18.00%.
As Low As; based on credit score
New Automobile (2025 & newer)
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Autos up to 10 years old
As low as
APR includes Local Heroes Program Discount
As Low As
As low as
As Low As
As low as
As low as
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
Published APR range: 4.24 - 17.97%.
Published APR range: 4.24 - 17.97%.
Published APR range: 4.24 - 17.97%.
Published APR range: 4.25% - 15.50%. Ask about our Protection Plans!
36 months at 4.390% (4.390% APR) for a $30,000 loan would result in a monthly payment of $890.93. Last updated 08/01/2026
As low as
APR includes Local Heroes Program Discount
Models 2025 or newer (under 10,000 miles); As Low As; 4.74%; 5.24%; 6.24%
As low as
As low as
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As Low As; Rates are based on credit worthiness, loan amount, model year, and term of the loan.
As Low As; Rates are based on credit worthiness, loan amount, model year, and term of the loan.
Credit Score: 720+
Credit Score: 720+
Published APR range: 4.49% to 16.99%. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. APR = Annual Percentage Rate. 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. All rates are subject to change without notice. For complete terms and conditions contact Members First Credit Union of FL at (850) 434-2211.
Published APR range: 4.50% - 16.25%. Ask about our Protection Plans!
APR includes Local Heroes Program Discount
As low as; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Does not apply to member with existing equity loans.
48 months at 4.690% (4.690% APR) for a $30,000 loan would result in a monthly payment of $686.67. Last updated 08/01/2026
Up to 100% financing; Current Year or Previous with Less Than 15k Miles
As low As; Percent Financed: up to 100%
As Low As
Comparison to FL Average
Models 2025 or newer (under 10,000 miles); As Low As; 4.49%; 5.24%; 6.24%
As low as
As low as
Published APR range: 4.74 - 17.97%.
Rates as of 09/22/2026. 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 4.74% APR is $44.10. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria.
Jacksonville Used Auto Auto Loan Rates
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.
Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000.
As Low As
As low as
As low as
As Low As; Fixed APR
As Low As; Fixed APR
As Low As
As Low As
As Low As;; Model Year: 2019 - 2024
As low as
As Low As
As Low As; Fixed APR
As Low As;; Model Year: 2019 - 2024
Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000. 67-78 Months: $15K minimum.
As Low As; Fixed APR
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000. 67-78 Months: $15K minimum.
As Low As;; Model Year: 2019 - 2024
As low as
As low as
As Low As; Eligible model years 2023-2026. Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As; Fixed APR
As Low As; Minimum $35,000
As Low As;; Model Year: 2019 - 2024
Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000. 79-84 Months: $25K minimum.
As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.
As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria.
As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide.
As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide. 60-72 Months: $20K minimum.
As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 9/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Any vehicle listed in Black Book classic, collectible, and special interest car appraisal guide. 60-72 Months: $20K minimum.
Rates as low as 3.25% APR; Finance up to 125% MSRP (new vehicles) or NADA (used vehicles); No prepayment penalties; Refinance existing Auto Loans for cash out or lower payments; Take a pre-approved loan to the dealer when you shop; Keys FCU is an ITIN-approved lender!
Published APR range: 3.35% - 18.00%.
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
As Low As
Purchase transactions only. Other conditions may apply.
Term: 72 Months / $20,000.00 Minimum; Published APR range: 3.95% - 18.00%.
As Low As
As low as
As Low As; based on credit score
Published APR range: 3.99% - 17.99%.
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Published APR range: As low as 3.99% *. As low as 9.99% **
Autos up to 10 years old
As Low As; Limited Time Offer!
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As Low As
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
APR includes Local Heroes Program Discount
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
Used Automobile (2017 & newer)
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Published APR range: 4.49% to 16.99%. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. APR = Annual Percentage Rate. 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. All rates are subject to change without notice. For complete terms and conditions contact Members First Credit Union of FL at (850) 434-2211.
Published APR range: 4.50% - 15.75%. Ask about our Protection Plans!
As Low As
As low As; Percent Financed: up to 100%
APR includes Local Heroes Program Discount
Models between 2019 - 2026 (between 10,001 and 100,000 miles); As Low As; 4.99%; 5.49%; 6.49%
As Low As
As low as
Published APR range: 4.74 - 17.97%.
Published APR range: 4.74 - 17.97%.
Published APR range: 4.74 - 17.97%.
Credit Score: 720+
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Jacksonville, FL Auto Loan Rate Trends
Compare local Jacksonville, 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 0.346 points over the past 7 days to 5.550% APR.
Florida used auto rates rose 0.067 points over the past 7 days to 5.864% APR.
Jacksonville, 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 @ 5.55% APR FL average | Used Auto @ 5.86% APR FL average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.86/mo | $289.04/mo | $2.18/mo |
| $25,000 | $478.10/mo | $481.74/mo | $3.63/mo |
| $35,000 | $669.34/mo | $674.43/mo | $5.09/mo |
| $45,000 | $860.58/mo | $867.13/mo | $6.54/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 Jacksonville, Florida
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Jacksonville, 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 Jacksonville, 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: Jacksonville, Florida CD rates lock in a guaranteed return until you’re ready to buy
Jacksonville, Florida Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $574 monthly car payment works out to roughly 16.7% of the median individual income in Jacksonville, Florida. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Jacksonville, 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 1–3 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 (0–2.9% 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 Jacksonville, 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 Jacksonville, 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 Jacksonville, 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 Jacksonville, Florida. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in FL.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Jacksonville, 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 Jacksonville, 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?
What are the best Auto Loan rates in Jacksonville, Florida?
- PowerNet Credit Union: 3.49% (New & Used Auto)
- Jax Fire Credit Union: 4.40% (NEW VEHICLES - 36-60 Months Loan)
- JM Associates Federal Credit Union: 4.49% (New Cars & Trucks Loan)
- Alive Credit Union: 4.54% (New Auto/Van/Truck Loans)
- Coastline Federal Credit Union: 4.59% (New Vehicle Loans - 36 months)
Jacksonville, Florida Rates & Resources
