Miami, Florida Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Miami, Florida auto loan rates range from 3.24% to 10.52% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Miami, Florida include American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union6205 Waterford District Dr, Miami, FL, 33126 6015A+5.0 ★Texas Ratio: 2.87% offering New Auto at 3.34%, Miami Postal Service Credit UnionMiami Postal Service Credit Union2190 NW 72nd Ave, Miami, FL, 33122 1824A+5.0 ★Texas Ratio: 1.70% offering New Automobile at 3.49%, MIAMI FIREFIGHTERSMIAMI FIREFIGHTERS1111 NW 7th St, Miami, FL, 33136A+5.0 ★Texas Ratio: 2.26% offering New Auto at 3.59%, Dade County Federal Credit UnionDade County Federal Credit Union111 NW 1st ST, Miami, FL, 33128A+5.0 ★Texas Ratio: 1.61% offering New Auto Loans - 36 Months at 3.74%, Baxter Credit UnionBaxter Credit Union11800 SW 147th Ave, Miami, FL, 33196A5.0 ★Texas Ratio: 6.31% offering Auto Loans - 2025 & Newer at 3.84%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Miami has 17 local institutions in our database, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union at 6205 Waterford District Dr, Miami, FL, 33126 6015. 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 Miami, Florida. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Miami, Florida & Surrounding Area
Miami Auto Loan Rates
As Low As; Auto & Recreational Loans
As Low As; % Over Index: N/A
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20263.59%▼ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20263.74%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; % Over Index: N/A
As Low As; Auto & Recreational Loans
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20263.84%▼ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As
As Low As; Rates subject to change.
Purchase transaction only. Other conditions may apply.
Purchase transactions only. Other conditions may apply.
Additional APR listed for this product: 4.49%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20263.99%▼ from 4.49%
- Sep 14, 20264.49%first recorded
As low as
As Low As; Auto & Recreational Loans
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.09%▼ from 4.84%
- Sep 14, 20264.84%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
- Sep 29, 20264.24%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
Additional APR listed for this product: 4.74%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.24%▼ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20264.44%▼ from 5.34%
- Sep 14, 20265.34%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As
As Low As; Rates subject to change.
As Low As; Auto & Recreational Loans
Additional APR listed for this product: 5.09%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.59%▼ from 5.09%
- Sep 18, 20265.09%first recorded
As low as 4.60%*; Applies to applicants with direct deposit of net pay and a checking account.
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.69%▼ from 5.09%
- Sep 22, 20265.09%▲ from 4.69%
- Sep 18, 20264.69%▼ from 5.59%
- Sep 14, 20265.59%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
APR as low as; Model Year: 2024-2026 with fewer than 36,000 miles; Includes -0.50% APR discount for automatic payment transfer
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
Additional APR listed for this product: 5.34%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.84%▼ from 5.34%
- Sep 14, 20265.34%first recorded
Term: 6 years (over $15,000); As low as 4.85%*; Applies to applicants with direct deposit of net pay and a checking account.
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
- Sep 29, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
Additional APR listed for this product: 5.59%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20265.09%▼ from 5.59%
- Sep 14, 20265.59%first recorded
As low as
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+
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. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
- Sep 29, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
APR as low as; Model Year: 2024-2026 with fewer than 36,000 miles
APR as low as; Model Year: 2024-2026 with fewer than 36,000 miles
Minimum loan amount required. Other conditions may apply.
Minimum loan amount required. Other conditions may apply.
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
Minimum loan amount required. Other conditions may apply.
Minimum loan amount required. Other conditions may apply.
As Low As
As Low As; Rates subject to change.
As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants
Minimum loan amount required. Other conditions may apply.
Minimum loan amount required. Other conditions may apply.
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20265.44%▼ from 6.34%
- Sep 14, 20266.34%first recorded
Term: 7 years (over $25,000); As low as 5.70%*; Applies to applicants with direct deposit of net pay and a checking account.
- Oct 12, 20265.45%▼ from 5.70%
- Sep 25, 20265.70%▲ from 5.45%
- Sep 14, 20265.45%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Loan Amount: $2,500+
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
- Sep 29, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
APR as low as; Used: vehicles over 3 years old or over 36,000 miles
Term: 6 years (over $15,000); As low as 5.50%*; Applies to applicants with direct deposit of net pay and a checking account.
Minimum loan amount required. Other conditions may apply.
- Oct 10, 20265.54%▲ from 5.44%
- Sep 18, 20265.44%first recorded
Minimum loan amount required. Other conditions may apply.
- Oct 10, 20265.54%▲ from 5.44%
- Sep 14, 20265.44%first recorded
As Low As; Loan Amount: $15,000+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $5,000+
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
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. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
- Sep 29, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
As Low As; Minimum Loan Amount: No minimum loan amount; Fixed APR for vehicle model years 2024 and newer; Effective October 01, 2026
- Oct 5, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
APR as low as; Model Year: 2024-2026 with fewer than 36,000 miles
APR as low as; Used: vehicles over 3 years old or over 36,000 miles
APR as low as; Used: vehicles over 3 years old or over 36,000 miles
APR as low as; Used: vehicles over 3 years old or over 36,000 miles
As low as
As low as
Additional APR listed for this product: 6.34%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20265.84%▼ from 6.34%
- Sep 14, 20266.34%first recorded
A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount.
As Low As
As Low As; Rates subject to change.
As Low As; Min. Loan Amount: $20,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
- Sep 29, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
As Low As; Minimum Loan Amount: $10,000; Fixed APR for vehicle model years 2024 and newer; Effective October 01, 2026
A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount.
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Eligible model years 2023-2026. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; Loan Amount: $15,000+
Term: 7 years (over $25,000); As low as 6.75%*; Applies to applicants with direct deposit of net pay and a checking account.
- Oct 12, 20266.10%▼ from 6.75%
- Sep 25, 20266.75%▲ from 6.10%
- Sep 14, 20266.10%first recorded
A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount.
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
- Sep 29, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount.
Minimum loan amount required. Other conditions may apply.
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
As Low As; Loan Term; *Please call for rates on model years 2022 or older.
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
As Low As; Minimum Loan Amount: $12,000; Fixed APR for vehicle model years 2024 and newer; Effective October 01, 2026
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
As Low As; Minimum Loan Amount: $20,000; Fixed APR for vehicle model years 2024 and newer; Effective October 01, 2026
As Low As; Loan Amount: $20,000+; Up to 125% financing for qualified applicants
As Low As; Min. Loan Amount: $85,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20266.94%▲ from 6.69%
- Sep 14, 20266.69%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount.
As Low As; Loan Amount: $20,000+
As Low As
As Low As; Rates subject to change.
As low as
As low as
As low as
As low as 7.49%*; Applies to applicants with direct deposit of net pay and a checking account.
As Low As; Loan Amount: $40,000+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $40,000+
Minimum loan amount required. Other conditions may apply.
Term: 7-12 years (over $20,000); As low as 8.49%*; Applies to applicants with direct deposit of net pay and a checking account.
Finance up to 85% for New Autos. Installments up to 72 months for new autos. Minimum of fifteen percent (15%) down payment required from buyer.
As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.
As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.
As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
Finance up to 75% for Used Autos. Installments up to 60 months (1 to 2 years old). Minimum of twenty-five percent (25%) down payment required from buyer.
Finance up to 75% for Used Autos. Installments up to 48 months (3 to 5 years old). Minimum of twenty-five percent (25%) down payment required from buyer.
As Low As; Up to one model year old
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
Model/Year: 2019-2026
As Low As; Finance up to 125% MSRP (new vehicles) or NADA (used vehicles); No prepayment penalties; Rate based on creditworthiness and term of loan
Published APR range: 3.35% - 18.00%.
APR range: 3.49% - 17.99%
As low as; New cars are financed for a term up to 72 months. Used cars may be financed from 24 to 60 months depending on the year of the car.
Model/Year: 2019-2026
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Model/Year: 2020-2026
As low as 3.75% with Relationship Rewards
As Low As
As Low As
As Low As
As Low As
Published APR range: 3.95% - 18.00%. Minimum loan amount: $20,000.00
based on credit score
based on credit score; As Low As; Fixed
APR range: 3.99% - 17.99%
As Low As; Category: New & Used Automobiles
Autos up to 10 years old
Model Year: New Auto 2025 & Newer
Model/Year: 2020-2026
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Starting APR
Rate Type: Fixed
APR includes Local Heroes Program Discount
Rate Type: Fixed
Model Year: New Auto 2025 & Newer
Published APR range: 4.24% to 14.99%. Model Year: Newer - 5 recent model years; Payment example: For a $20,000.00 loan for 2022 Chrysler Pacifica Limited, 36 months at 4.24%, the Smart Choice loan monthly payment would be $260.00 with a residual balance of $14,475.00 vs a conventional monthly payment of $593.00. Rates are effective as of January 5, 2026. Refinances from other institutions only.
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Miami New Auto Auto Loan Rates
As Low As; Auto & Recreational Loans
As Low As; % Over Index: N/A
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20263.59%▼ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20263.74%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20263.84%▼ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As
As Low As; Rates subject to change.
Purchase transaction only. Other conditions may apply.
As low as
As Low As; Auto & Recreational Loans
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.09%▼ from 4.84%
- Sep 14, 20264.84%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20264.44%▼ from 5.34%
- Sep 14, 20265.34%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As
As Low As; Rates subject to change.
As low as 4.60%*; Applies to applicants with direct deposit of net pay and a checking account.
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.69%▼ from 5.09%
- Sep 22, 20265.09%▲ from 4.69%
- Sep 18, 20264.69%▼ from 5.59%
- Sep 14, 20265.59%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
APR as low as; Model Year: 2024-2026 with fewer than 36,000 miles; Includes -0.50% APR discount for automatic payment transfer
Term: 6 years (over $15,000); As low as 4.85%*; Applies to applicants with direct deposit of net pay and a checking account.
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
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. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
APR as low as; Model Year: 2024-2026 with fewer than 36,000 miles
APR as low as; Model Year: 2024-2026 with fewer than 36,000 miles
Minimum loan amount required. Other conditions may apply.
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
Minimum loan amount required. Other conditions may apply.
As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants
Minimum loan amount required. Other conditions may apply.
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20265.44%▼ from 6.34%
- Sep 14, 20266.34%first recorded
Term: 7 years (over $25,000); As low as 5.70%*; Applies to applicants with direct deposit of net pay and a checking account.
- Oct 12, 20265.45%▼ from 5.70%
- Sep 25, 20265.70%▲ from 5.45%
- Sep 14, 20265.45%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
Minimum loan amount required. Other conditions may apply.
- Oct 10, 20265.54%▲ from 5.44%
- Sep 18, 20265.44%first recorded
As Low As; Loan Amount: $15,000+; Up to 125% financing for qualified applicants
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. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
APR as low as; Model Year: 2024-2026 with fewer than 36,000 miles
As low as
As low as
A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount.
As Low As
As Low As; Rates subject to change.
As Low As; Min. Loan Amount: $20,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount.
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Minimum loan amount required. Other conditions may apply.
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
As Low As; Loan Amount: $20,000+; Up to 125% financing for qualified applicants
As Low As; Min. Loan Amount: $85,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20266.94%▲ from 6.69%
- Sep 14, 20266.69%first recorded
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount.
As Low As
As Low As; Rates subject to change.
As Low As; Loan Amount: $40,000+; Up to 125% financing for qualified applicants
Finance up to 85% for New Autos. Installments up to 72 months for new autos. Minimum of fifteen percent (15%) down payment required from buyer.
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; Up to one model year old
Published APR range: 3.35% - 18.00%.
APR range: 3.49% - 17.99%
As low as; New cars are financed for a term up to 72 months. Used cars may be financed from 24 to 60 months depending on the year of the car.
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As Low As
As Low As
As Low As
As Low As
Published APR range: 3.95% - 18.00%. Minimum loan amount: $20,000.00
based on credit score
As Low As; Category: New & Used Automobiles
Autos up to 10 years old
Model Year: New Auto 2025 & Newer
Starting APR
Rate Type: Fixed
APR includes Local Heroes Program Discount
Rate Type: Fixed
Model Year: New Auto 2025 & Newer
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Miami Used Auto Auto Loan Rates
As Low As; % Over Index: N/A
As Low As; Auto & Recreational Loans
Purchase transactions only. Other conditions may apply.
Additional APR listed for this product: 4.49%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20263.99%▼ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
- Sep 29, 20264.24%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
Additional APR listed for this product: 4.74%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.24%▼ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Auto & Recreational Loans
Additional APR listed for this product: 5.09%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.59%▼ from 5.09%
- Sep 18, 20265.09%first recorded
As Low As; Loan Amount: $2,500+
As Low As
As Low As; Rates subject to change.
Additional APR listed for this product: 5.34%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20264.84%▼ from 5.34%
- Sep 14, 20265.34%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
- Sep 29, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
As Low As; FAM Annual Percentage Rate; Full Active Membership required; Vehicles model year 2020 or newer, up to 75,000 miles; Credit criteria apply
Additional APR listed for this product: 5.59%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20265.09%▼ from 5.59%
- Sep 14, 20265.59%first recorded
As low as
As Low As; Loan Amount: $2,500+
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
- Sep 29, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
Minimum loan amount required. Other conditions may apply.
As Low As
As Low As; Rates subject to change.
Minimum loan amount required. Other conditions may apply.
As Low As
As Low As; Rates subject to change.
Minimum loan amount required. Other conditions may apply.
As Low As; Loan Amount: $2,500+
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
- Sep 29, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
APR as low as; Used: vehicles over 3 years old or over 36,000 miles
Term: 6 years (over $15,000); As low as 5.50%*; Applies to applicants with direct deposit of net pay and a checking account.
Minimum loan amount required. Other conditions may apply.
- Oct 10, 20265.54%▲ from 5.44%
- Sep 14, 20265.44%first recorded
As Low As; Loan Amount: $5,000+
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
- Sep 29, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
APR as low as; Used: vehicles over 3 years old or over 36,000 miles
APR as low as; Used: vehicles over 3 years old or over 36,000 miles
APR as low as; Used: vehicles over 3 years old or over 36,000 miles
Additional APR listed for this product: 6.34%. As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20265.84%▼ from 6.34%
- Sep 14, 20266.34%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
- Sep 29, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount.
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Eligible model years 2023-2026. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; Loan Amount: $15,000+
Term: 7 years (over $25,000); As low as 6.75%*; Applies to applicants with direct deposit of net pay and a checking account.
- Oct 12, 20266.10%▼ from 6.75%
- Sep 25, 20266.75%▲ from 6.10%
- Sep 14, 20266.10%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
- Sep 29, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Min. Loan Amount: $5,000.00; As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%); New vehicle - current or prior year only
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
A Business Checking Account is Required for Loan. Auto Pay from Business Checking for Rate Discount.
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
As Low As; Amount Financed: 100%; Requires direct deposit, auto pay, credit worthiness and other applicable credit union requirements
As Low As
As Low As; Rates subject to change.
As Low As; Loan Amount: $20,000+
As low as
As Low As; Loan Amount: $40,000+
Minimum loan amount required. Other conditions may apply.
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
As Low As; FAM rate (Full Active Membership required) 4.99% APR, available to qualifying FIU, UM and St. Thomas affiliates; Annual Percentage Rate column as low as 9.99% APR; Vehicles model year 2020 or newer, up to 75,000 miles
Finance up to 75% for Used Autos. Installments up to 60 months (1 to 2 years old). Minimum of twenty-five percent (25%) down payment required from buyer.
Finance up to 75% for Used Autos. Installments up to 48 months (3 to 5 years old). Minimum of twenty-five percent (25%) down payment required from buyer.
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
Published APR range: 3.35% - 18.00%.
As low as; New cars are financed for a term up to 72 months. Used cars may be financed from 24 to 60 months depending on the year of the car.
As Low As
As Low As
As Low As
As Low As
Published APR range: 3.95% - 18.00%. Minimum loan amount: $20,000.00
based on credit score; As Low As; Fixed
APR range: 3.99% - 17.99%
Autos up to 10 years old
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Starting APR
Miami, FL Auto Loan Rate Trends
Compare local Miami, 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 loan rates currently average 4.987% APR.
Florida used auto rates rose 0.004 points over the past 7 days to 5.596% APR.
Miami, 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 @ 4.99% APR FL average | Used Auto @ 5.60% APR FL average | Monthly Difference |
|---|---|---|---|
| $15,000 | $282.98/mo | $287.18/mo | $4.20/mo |
| $25,000 | $471.63/mo | $478.63/mo | $7.01/mo |
| $35,000 | $660.28/mo | $670.09/mo | $9.81/mo |
| $45,000 | $848.93/mo | $861.54/mo | $12.61/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 Miami, Florida
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Miami, 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 Miami, 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: Miami, Florida CD rates lock in a guaranteed return until you’re ready to buy
Miami, Florida Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $566 monthly car payment works out to roughly 17.8% of the median individual income in Miami, Florida. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Miami, Florida, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Miami, 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 Miami, 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 Miami, 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 Miami, Florida. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in FL.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Miami, Florida
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Miami, 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 Miami, Florida?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Miami, Florida?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Miami, Florida?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Miami Postal Service Credit Union: 3.49% (New Automobile)
- MIAMI FIREFIGHTERS: 3.59% (New Auto)
- Dade County Federal Credit Union: 3.74% (New Auto Loans - 36 Months)
- Baxter Credit Union: 3.84% (Auto Loans - 2025 & Newer)
Miami, Florida Rates & Resources
