Auto Loan Rates in Key West, Florida (FL) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Key West, Florida. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Key West, Florida include Keys Federal Credit UnionKeys Federal Credit Union514 Southard St, Key West, FL, 33040A5.0 ★Texas Ratio: 11.39% offering Auto Loans at 3.25%, SOUTHERNMOSTSOUTHERNMOST1004 Kennedy Dr, Key West, FL, 33040 4019A+5.0 ★Texas Ratio: 0.45% offering Used Automobile at 3.50%, Monroe County Teachers Federal Credit UnionMonroe County Teachers Federal Credit Union1442 Kennedy Dr, Key West, FL, 33040A+5.0 ★Texas Ratio: 5.03% offering New Vehicles at 4.25%, Electricians Local 349 Credit UnionElectricians Local 349 Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New Car/Truck Loans 20% Down at 2.99%, Panhandle Credit UnionPanhandle Credit UnionA+5.0 ★Texas Ratio: 1.21% offering New & Used Autos at 3.19%. Auto loan rates as of April 23, 2026 according to verified data from MonitorBankRates.
Key West has 3 local institutions in our database, with auto loan rates as low as 3.25% APR from Keys Federal Credit Union at 514 Southard St, Key West, FL, 33040. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Key West, Florida. Auto Loan Rates Last Updated and Verified: April 23, 2026
Compare Auto Loan Rates Today in Key West, Florida & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.39%
514 Southard St, Key West, FL, 33040
Auto Loans
3.25%
84 Months
▼
APR3.25%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Terms up to 84 months
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
3.50%
12-36
▼
APR3.50%
Term12-36
Last UpdatedApr 19, 2026
Details
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.00%
37-48
▼
APR4.00%
Term37-48
Last UpdatedApr 19, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
4.25%
12 - 24
▼
APR4.25%
Term12 - 24
Last UpdatedApr 18, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.75%
49-60
▼
APR4.75%
Term49-60
Last UpdatedApr 19, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles
5.00%
12-24
▼
APR5.00%
Term12-24
Last UpdatedApr 18, 2026
Details
As Low As; 1-2 yrs. old
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
5.00%
61-72
▼
APR5.00%
Term61-72
Last UpdatedApr 19, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 1-2 yrs. old
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles
6.00%
48 Months
▼
APR6.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; 1-2 yrs. old
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 1-2 yrs. old
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles
7.00%
12 - 48
▼
APR7.00%
Term12 - 48
Last UpdatedApr 18, 2026
Details
As Low As; 3 years & Older
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New & Used Autos
3.19%
84 Months
▼
APR3.19%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; (Autos up to 10 years old)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 10% Down Payment) 2018-2025
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedApr 19, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedApr 18, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
3.49%
48 Months
▼
APR3.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 10% Down Payment) 2018 & older
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 10% Down Payment) 2019-2025
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedApr 18, 2026
Details
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As; 24 month to 84 month terms
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.00%
66 Months
▼
APR4.00%
Term66 Months
Last UpdatedApr 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.00%
up to 36 months
▼
APR4.00%
Termup to 36 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedApr 19, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
New Vehicles
4.40%
36-60
▼
APR4.40%
Term36-60
Last UpdatedApr 19, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.45%
up to 48 months
▼
APR4.45%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
New Vehicle
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
Used Vehicle
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
4.59%
0-48 Months
▼
APR4.59%
Term0-48 Months
Last UpdatedApr 22, 2026
Details
As Low As; ...
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedApr 19, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (2025 & newer)
4.60%
84 Months
▼
APR4.60%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto
4.69%
12 to 48
▼
APR4.69%
Term12 to 48
Last UpdatedApr 18, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto
4.69%
12 to 48
▼
APR4.69%
Term12 to 48
Last UpdatedApr 18, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.70%
up to 60 months
▼
APR4.70%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.70%
up to 48 months
▼
APR4.70%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Auto Loans (New)
4.74%
86 Months
▼
APR4.74%
Term86 Months
Last UpdatedApr 18, 2026
Details
terms up to 86 months
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Auto Loans (Used)
4.74%
86 Months
▼
APR4.74%
Term86 Months
Last UpdatedApr 18, 2026
Details
terms up to 86 months
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedApr 19, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedApr 19, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Used Auto, Van, Pickup, SUV2 (2019-2026)
4.75%
0-48 Months
▼
APR4.75%
Term0-48 Months
Last UpdatedApr 22, 2026
Details
As Low As; ...
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 10% Down Payment) 2020-2025
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto/Van/Truck Loans
4.79%
0-48
▼
APR4.79%
Term0-48
Last UpdatedApr 19, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
36 months at 4.790% (4.790% APR) for a $30,000 loan would result in a monthly payment of $896.30.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.80%
up to 72 months
▼
APR4.80%
Termup to 72 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Used Vehicles
4.90%
36-60
▼
APR4.90%
Term36-60
Last UpdatedApr 19, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicles - Model years 2025 or newer
4.94%
Up to 48 months
▼
APR4.94%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedApr 18, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.95%
up to 60 months
▼
APR4.95%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 23, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2019-2020
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2021-2022
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2023-2025
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Over $40,000, + 1% APR
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New Cars, Trucks, Vans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedApr 18, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74.
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru New Vehicle Loans
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedApr 19, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedApr 19, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedApr 19, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedApr 19, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedApr 8, 2026
Details
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.42%
New Vehicle
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 19, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto/Van/Truck Loans
5.04%
49-66
▼
APR5.04%
Term49-66
Last UpdatedApr 19, 2026
Details
As Low As
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Auto Loans
5.04%
49 - 66 Months
▼
APR5.04%
Term49 - 66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Automobile
5.10%
36 - 84
▼
APR5.10%
Term36 - 84
Last UpdatedApr 18, 2026
Details
As Low As
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
5.10%
up to 72 months
▼
APR5.10%
Termup to 72 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - Used Vehicles
5.12%
48 Months
▼
APR5.12%
Term48 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Used Auto Loans
5.12%
48 Months
▼
APR5.12%
Term48 Months
Last UpdatedApr 8, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
5.19%
49-66 Months
▼
APR5.19%
Term49-66 Months
Last UpdatedApr 22, 2026
Details
As Low As; ...
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru New Vehicle Loans
5.19%
61 - 72
▼
APR5.19%
Term61 - 72
Last UpdatedApr 19, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru Used Vehicle Loans Models
5.19%
24 - 36
▼
APR5.19%
Term24 - 36
Last UpdatedApr 19, 2026
Details
As Low As; not over 7 years or 150k miles
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedApr 19, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Used Cars, Trucks, Vans
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
▼
APR5.24%
Term83 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
▼
APR5.24%
Term83 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Car
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Auto Loans
5.24%
67 - 78 Months
▼
APR5.24%
Term67 - 78 Months
Last UpdatedApr 19, 2026
Details
As Low As
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedApr 19, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedApr 19, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedApr 23, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
Older Used Autos
5.25%
66 Months
▼
APR5.25%
Term66 Months
Last UpdatedApr 18, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto
5.25%
49 to 78
▼
APR5.25%
Term49 to 78
Last UpdatedApr 18, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto
5.25%
49 to 78
▼
APR5.25%
Term49 to 78
Last UpdatedApr 18, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Car
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
Used Auto (Ten Years or Newer)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedApr 18, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto/Van/Truck Loans
5.29%
0-48
▼
APR5.29%
Term0-48
Last UpdatedApr 19, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru Used Vehicle Loans Models
5.29%
37 - 48
▼
APR5.29%
Term37 - 48
Last UpdatedApr 19, 2026
Details
As Low As; not over 7 years or 150k miles
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle Loans
5.30%
36 months
▼
APR5.30%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
5.35%
60 Months
▼
APR5.35%
Term60 Months
Last UpdatedApr 19, 2026
Details
60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
2025 and Newer Autos
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
New Vehicles
5.40%
61-84
▼
APR5.40%
Term61-84
Last UpdatedApr 19, 2026
Details
As Low As
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
5.49%
67-78 Months
▼
APR5.49%
Term67-78 Months
Last UpdatedApr 22, 2026
Details
As Low As; ...
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Used Auto, Van, Pickup, SUV2 (2019-2026)
5.49%
49-66 Months
▼
APR5.49%
Term49-66 Months
Last UpdatedApr 22, 2026
Details
As Low As; ...
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedApr 18, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
5.49%
78 Months
▼
APR5.49%
Term78 Months
Last UpdatedApr 18, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New Cars, Trucks, Vans
5.49%
37-48 months
▼
APR5.49%
Term37-48 months
Last UpdatedApr 18, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
4.25%
12 - 24
▼
APR4.25%
Term12 - 24
Last UpdatedApr 18, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New & Used Autos
3.19%
84 Months
▼
APR3.19%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; (Autos up to 10 years old)
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedApr 18, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
3.49%
48 Months
▼
APR3.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedApr 18, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.00%
66 Months
▼
APR4.00%
Term66 Months
Last UpdatedApr 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.00%
up to 36 months
▼
APR4.00%
Termup to 36 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedApr 19, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
New Vehicles
4.40%
36-60
▼
APR4.40%
Term36-60
Last UpdatedApr 19, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.45%
up to 48 months
▼
APR4.45%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
New Vehicle
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
4.59%
0-48 Months
▼
APR4.59%
Term0-48 Months
Last UpdatedApr 22, 2026
Details
As Low As; ...
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedApr 19, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (2025 & newer)
4.60%
84 Months
▼
APR4.60%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto
4.69%
12 to 48
▼
APR4.69%
Term12 to 48
Last UpdatedApr 18, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.70%
up to 60 months
▼
APR4.70%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Auto Loans (New)
4.74%
86 Months
▼
APR4.74%
Term86 Months
Last UpdatedApr 18, 2026
Details
terms up to 86 months
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedApr 19, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto/Van/Truck Loans
4.79%
0-48
▼
APR4.79%
Term0-48
Last UpdatedApr 19, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.80%
up to 72 months
▼
APR4.80%
Termup to 72 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicles - Model years 2025 or newer
4.94%
Up to 48 months
▼
APR4.94%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedApr 18, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 23, 2026
Details
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2019-2020
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2021-2022
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2023-2025
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Over $40,000, + 1% APR
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New Cars, Trucks, Vans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedApr 18, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru New Vehicle Loans
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedApr 19, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedApr 19, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedApr 19, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedApr 8, 2026
Details
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.42%
New Vehicle
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 19, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto/Van/Truck Loans
5.04%
49-66
▼
APR5.04%
Term49-66
Last UpdatedApr 19, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Automobile
5.10%
36 - 84
▼
APR5.10%
Term36 - 84
Last UpdatedApr 18, 2026
Details
As Low As
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
5.19%
49-66 Months
▼
APR5.19%
Term49-66 Months
Last UpdatedApr 22, 2026
Details
As Low As; ...
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru New Vehicle Loans
5.19%
61 - 72
▼
APR5.19%
Term61 - 72
Last UpdatedApr 19, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedApr 19, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
▼
APR5.24%
Term83 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedApr 23, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto
5.25%
49 to 78
▼
APR5.25%
Term49 to 78
Last UpdatedApr 18, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Car
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
Used Auto (Ten Years or Newer)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedApr 18, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
2025 and Newer Autos
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
New Vehicles
5.40%
61-84
▼
APR5.40%
Term61-84
Last UpdatedApr 19, 2026
Details
As Low As
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
5.49%
67-78 Months
▼
APR5.49%
Term67-78 Months
Last UpdatedApr 22, 2026
Details
As Low As; ...
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
5.49%
78 Months
▼
APR5.49%
Term78 Months
Last UpdatedApr 18, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New Cars, Trucks, Vans
5.49%
37-48 months
▼
APR5.49%
Term37-48 months
Last UpdatedApr 18, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
3.50%
12-36
▼
APR3.50%
Term12-36
Last UpdatedApr 19, 2026
Details
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.00%
37-48
▼
APR4.00%
Term37-48
Last UpdatedApr 19, 2026
Details
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.75%
49-60
▼
APR4.75%
Term49-60
Last UpdatedApr 19, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles
5.00%
12-24
▼
APR5.00%
Term12-24
Last UpdatedApr 18, 2026
Details
As Low As; 1-2 yrs. old
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
5.00%
61-72
▼
APR5.00%
Term61-72
Last UpdatedApr 19, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 1-2 yrs. old
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles
6.00%
48 Months
▼
APR6.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; 1-2 yrs. old
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 1-2 yrs. old
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles
7.00%
12 - 48
▼
APR7.00%
Term12 - 48
Last UpdatedApr 18, 2026
Details
As Low As; 3 years & Older
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New & Used Autos
3.19%
84 Months
▼
APR3.19%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; (Autos up to 10 years old)
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedApr 18, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedApr 18, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.00%
66 Months
▼
APR4.00%
Term66 Months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
Used Vehicle
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto
4.69%
12 to 48
▼
APR4.69%
Term12 to 48
Last UpdatedApr 18, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.70%
up to 48 months
▼
APR4.70%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Auto Loans (Used)
4.74%
86 Months
▼
APR4.74%
Term86 Months
Last UpdatedApr 18, 2026
Details
terms up to 86 months
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Used Auto, Van, Pickup, SUV2 (2019-2026)
4.75%
0-48 Months
▼
APR4.75%
Term0-48 Months
Last UpdatedApr 22, 2026
Details
As Low As; ...
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
36 months at 4.790% (4.790% APR) for a $30,000 loan would result in a monthly payment of $896.30.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Used Vehicles
4.90%
36-60
▼
APR4.90%
Term36-60
Last UpdatedApr 19, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedApr 18, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.95%
up to 60 months
▼
APR4.95%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2019-2020
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2021-2022
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2023-2025
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2026
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Over $40,000, + 1% APR
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74.
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedApr 19, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedApr 19, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
5.10%
up to 72 months
▼
APR5.10%
Termup to 72 months
Last UpdatedApr 19, 2026
Details
As Low As; APR includes Local Heroes Program Discount
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - Used Vehicles
5.12%
48 Months
▼
APR5.12%
Term48 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Used Auto Loans
5.12%
48 Months
▼
APR5.12%
Term48 Months
Last UpdatedApr 8, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru Used Vehicle Loans Models
5.19%
24 - 36
▼
APR5.19%
Term24 - 36
Last UpdatedApr 19, 2026
Details
As Low As; not over 7 years or 150k miles
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Used Cars, Trucks, Vans
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
▼
APR5.24%
Term83 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle without Auto Pay
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Car
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedApr 19, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
Older Used Autos
5.25%
66 Months
▼
APR5.25%
Term66 Months
Last UpdatedApr 18, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto
5.25%
49 to 78
▼
APR5.25%
Term49 to 78
Last UpdatedApr 18, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
Used Auto (Ten Years or Newer)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedApr 18, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto/Van/Truck Loans
5.29%
0-48
▼
APR5.29%
Term0-48
Last UpdatedApr 19, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru Used Vehicle Loans Models
5.29%
37 - 48
▼
APR5.29%
Term37 - 48
Last UpdatedApr 19, 2026
Details
As Low As; not over 7 years or 150k miles
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle Loans
5.30%
36 months
▼
APR5.30%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
5.35%
60 Months
▼
APR5.35%
Term60 Months
Last UpdatedApr 19, 2026
Details
60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96.
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Used Auto, Van, Pickup, SUV2 (2019-2026)
5.49%
49-66 Months
▼
APR5.49%
Term49-66 Months
Last UpdatedApr 22, 2026
Details
As Low As; ...
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedApr 18, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
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MonitorBankRates
Key West, FL Auto Loan Rate Trends
Compare local Key West, 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.
New Auto Loan — FL Avg
5.087%
▼ 0.033 vs 7 days ago
Florida new auto rates fell 0.033 points over the past 7 days to 5.087% APR.
Used Auto Loan — FL Avg
5.704%
▼ 0.109 vs 7 days ago
Florida used auto rates fell 0.109 points over the past 7 days to 5.704% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Key West, Florida
How does my credit score affect my car loan rate in Florida?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Key West, Florida with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Florida *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Key West, Florida typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Key West, Florida?
Based on our current data, some of the lowest auto loan rates available in Key West, Florida include:
- Keys Federal Credit Union: 3.25% (Auto Loans)
- SOUTHERNMOST: 3.50% (Used Automobile)
- Monroe County Teachers Federal Credit Union: 4.25% (New Vehicles)
- Electricians Local 349 Credit Union: 2.99% (New Car/Truck Loans 20% Down)
- Panhandle Credit Union: 3.19% (New & Used Autos)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Key West, Florida. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 23, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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