Auto Loan Rates in Morriston, Florida (FL) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Morriston, Florida include Panhandle Credit UnionPanhandle Credit UnionA+5.0 ★Texas Ratio: 1.16% offering New & Used Autos at 3.19%, Memorial Employees Financial Credit UnionMemorial Employees Financial Credit UnionA+5.0 ★Texas Ratio: 1.77% offering Auto Loans (with 10% Down Payment) - 2019-2026 at 3.24%, Keys Federal Credit UnionKeys Federal Credit UnionA5.0 ★Texas Ratio: 10.34% offering New Vehicles Loan at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, TMH Federal Credit UnionTMH Federal Credit UnionA+5.0 ★Texas Ratio: 5.40% offering New Auto/ Used Auto (Five Years or Newer) at 3.35%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Morriston borrowers have access to 49 lenders serving the Florida area, with auto loan rates as low as 3.19% APR from Panhandle Credit Union. 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 Morriston, Florida. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Morriston, Florida & Surrounding Area
Morriston Auto Loan Rates
As Low As; (Autos up to 10 years old)
As Low As; 10% Down Payment
Rates As Low As*
Rates As Low As*
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
As low as
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
As Low As; 10% Down Payment
As Low As; 10% Down Payment
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Minimum Loan Amount: $5,000.00
New Automobile (2025 & newer)
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As Low As; APR includes Local Heroes Program Discount
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As low as
As Low As; Up to 120% Financing on Approved Credit
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; APR includes Local Heroes Program Discount
As Low As
36 months at 4.290% (4.290% APR) for a $30,000 loan would result in a monthly payment of $889.59.
APR* As low as
As Low As; APR includes Local Heroes Program Discount
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Rates will not be offered below the floor rate of 4.99% APR. This offer cannot be combined with any other promotions. All applicants must qualify for membership with Connect Credit Union.
APR* As Low As
As Low As; 4.74%, 5.24%, 6.24%
As low as
As Low As; Up to 120% Financing on Approved Credit
As Low As; Promotional Rate
Used Automobile (2017 & newer)
CREDIT SCORE 720+
CREDIT SCORE 720+
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months. All rates are subject to change without notice. For complete terms and conditions contact Members First Credit Union of FL at (850) 434-2211.
Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months. All rates are subject to change without notice. For complete terms and conditions contact Members First Credit Union of FL at (850) 434-2211.
As Low As
As Low As
As Low As; APR includes Local Heroes Program Discount
As Low As; Fixed APR
48 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $685.32.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As
Loan Amount: $2,500+
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; APR includes Local Heroes Program Discount
Rates will not be offered below the floor rate of 4.99% APR. This offer cannot be combined with any other promotions. All applicants must qualify for membership with Connect Credit Union.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; 4.49%, 5.24%, 6.24%
As Low As; 4.99%, 5.49%, 6.49%
As low as
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Minimum Loan Amount: $5,000.00
CREDIT SCORE 720+
CREDIT SCORE 720+
Credit Score 720+
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As low as 4.750% APR*. Special rate for EV and Hybrid cars/trucks. No application fee2. No prepayment penalty. Up to 84-month Term.
As Low As; APR includes Local Heroes Program Discount
As Low As; 10% Down Payment
As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 7/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000. 67-78 Months: $15K minimum.
As Low As
As Low As; Fixed APR
36 months at 4.790% (4.790% APR) for a $30,000 loan would result in a monthly payment of $896.30.
As Low As
As Low As; Fixed APR
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; APR includes Local Heroes Program Discount
Loan Amount: $2,500+
As Low As
48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74.
Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As
As Low As; 2025-present
PenAir Rate; $1,130 is the difference between the amount paid in interest between PenAir Credit Union's rate at 4.99% APR compared to 6.35% APR for the National market average over the life of a $30,000 auto loan over 60 months.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; New Auto 2025 + Newer Only
As Low As; Rates and terms are subject to change without notice. Rates based on Credit Score. Exact rate quoted at time of approval. As of January 2, 2026
APR* As Low As
As Low As; 4.74%, 5.49%, 6.49%
As low as
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Minimum Loan Amount: $5,000.00
As Low As; 100%
As Low As; Up to 120% Financing on Approved Credit
As Low As; Auto Pay from DFCU Account
As Low As; Auto Pay from DFCU Account
As Low As; Starting at
CREDIT SCORE 680-719
CREDIT SCORE 720+
CREDIT SCORE 720+
Credit Score 720+
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
60 months at 5.000% (5.000% APR) for a $30,000 loan would result in a monthly payment of $566.14.
As Low As
As Low As
Used Auto Loans 90% Financing
As Low As
As Low As
As Low As
APR* As Low As
As Low As; Fixed APR
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; APR includes Local Heroes Program Discount
As Low As
As Low As; Fixed APR
Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As
As Low As; Models (not over 7 years or 150k miles)
Loan Amount: $2,500+
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. Based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. 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; Fixed APR
Rates will not be offered below the floor rate of 4.99% APR. This offer cannot be combined with any other promotions. All applicants must qualify for membership with Connect Credit Union.
Bay; As Low As
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; Model Year: New Auto 2025 + Newer
As Low As
As Low As; 4.49%, 4.74%, 6.24%
As low as
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Minimum Loan Amount: $5,000.00
As Low As; 100%
As Low As; Auto Pay from DFCU Account
As Low As; without Auto Pay
As Low As; Auto Pay from DFCU Account
As Low As; without Auto Pay
As Low As; Starting at
As Low As; Starting at
CREDIT SCORE 680-719
CREDIT SCORE 680-719
CREDIT SCORE 720+
Credit Score 680-719
Credit Score 720+
As Low As; 2023-2024
As Low As
Used Auto Loans 90% Financing
As Low As
As Low As; Models (not over 7 years or 150k miles)
As Low As
As Low As
As Low As
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
72 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $488.03.
60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96.
As Low As; Fixed APR
As Low As
Loan Amount: $5,000+
APR* As low as
Morriston New Auto Auto Loan Rates
As Low As; (Autos up to 10 years old)
Rates As Low As*
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
As low as
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
New Automobile (2025 & newer)
As Low As; APR includes Local Heroes Program Discount
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As low as
As Low As; Up to 120% Financing on Approved Credit
As Low As
36 months at 4.290% (4.290% APR) for a $30,000 loan would result in a monthly payment of $889.59.
APR* As low as
As Low As; APR includes Local Heroes Program Discount
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Rates will not be offered below the floor rate of 4.99% APR. This offer cannot be combined with any other promotions. All applicants must qualify for membership with Connect Credit Union.
APR* As Low As
As Low As; 4.74%, 5.24%, 6.24%
As low as
As Low As; Up to 120% Financing on Approved Credit
As Low As; Promotional Rate
CREDIT SCORE 720+
CREDIT SCORE 720+
Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months. All rates are subject to change without notice. For complete terms and conditions contact Members First Credit Union of FL at (850) 434-2211.
As Low As
As Low As
As Low As; APR includes Local Heroes Program Discount
As Low As; Fixed APR
48 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $685.32.
Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Rates will not be offered below the floor rate of 4.99% APR. This offer cannot be combined with any other promotions. All applicants must qualify for membership with Connect Credit Union.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; 4.49%, 5.24%, 6.24%
As low as
CREDIT SCORE 720+
As Low As; APR includes Local Heroes Program Discount
As Low As
As Low As; Fixed APR
As Low As
As Low As; Fixed APR
Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As
As Low As; 2025-present
PenAir Rate; $1,130 is the difference between the amount paid in interest between PenAir Credit Union's rate at 4.99% APR compared to 6.35% APR for the National market average over the life of a $30,000 auto loan over 60 months.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; New Auto 2025 + Newer Only
As Low As; Rates and terms are subject to change without notice. Rates based on Credit Score. Exact rate quoted at time of approval. As of January 2, 2026
APR* As Low As
As low as
As Low As; 100%
As Low As; Up to 120% Financing on Approved Credit
As Low As; Auto Pay from DFCU Account
As Low As; Starting at
CREDIT SCORE 680-719
CREDIT SCORE 720+
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
60 months at 5.000% (5.000% APR) for a $30,000 loan would result in a monthly payment of $566.14.
As Low As
As Low As
APR* As Low As
As Low As; Fixed APR
As Low As
Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As
Rates will not be offered below the floor rate of 4.99% APR. This offer cannot be combined with any other promotions. All applicants must qualify for membership with Connect Credit Union.
As Low As; Model Year: New Auto 2025 + Newer
As Low As; 4.49%, 4.74%, 6.24%
As low as
As Low As; Auto Pay from DFCU Account
As Low As; without Auto Pay
As Low As; Starting at
CREDIT SCORE 680-719
As Low As
As Low As
As Low As
72 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $488.03.
As Low As
APR* As low as
Morriston Used Auto Auto Loan Rates
As Low As; (Autos up to 10 years old)
Rates As Low As*
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Minimum Loan Amount: $5,000.00
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As Low As; Up to 120% Financing on Approved Credit
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; APR includes Local Heroes Program Discount
As Low As; Up to 120% Financing on Approved Credit
As Low As; Promotional Rate
Used Automobile (2017 & newer)
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months. All rates are subject to change without notice. For complete terms and conditions contact Members First Credit Union of FL at (850) 434-2211.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; APR includes Local Heroes Program Discount
As Low As; 4.99%, 5.49%, 6.49%
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Minimum Loan Amount: $5,000.00
CREDIT SCORE 720+
Credit Score 720+
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Payment examples are based on the highest term in each tier. APRs are effective as of 7/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Mileage could affect the maximum term allowed. Max mileage is 100,000. 67-78 Months: $15K minimum.
36 months at 4.790% (4.790% APR) for a $30,000 loan would result in a monthly payment of $896.30.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; APR includes Local Heroes Program Discount
As Low As
48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; Rates and terms are subject to change without notice. Rates based on Credit Score. Exact rate quoted at time of approval. As of January 2, 2026
As Low As; 4.74%, 5.49%, 6.49%
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Up to 120% Financing on Approved Credit
As Low As; Auto Pay from DFCU Account
CREDIT SCORE 720+
Credit Score 720+
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
Used Auto Loans 90% Financing
As Low As
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; APR includes Local Heroes Program Discount
As Low As; Fixed APR
As Low As; Models (not over 7 years or 150k miles)
As Low As; Fixed APR
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Minimum Loan Amount: $5,000.00
As Low As; 100%
As Low As; Auto Pay from DFCU Account
As Low As; without Auto Pay
As Low As; Starting at
CREDIT SCORE 680-719
CREDIT SCORE 720+
Credit Score 680-719
Credit Score 720+
As Low As; 2023-2024
Used Auto Loans 90% Financing
As Low As; Models (not over 7 years or 150k miles)
As Low As
As Low As
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96.
As Low As; Fixed APR
Morriston, FL Auto Loan Rate Trends
Compare local Morriston, FL auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Florida new auto rates fell 0.096 points over the past 7 days to 5.062% APR.
Florida used auto rates fell 0.227 points over the past 7 days to 5.737% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Morriston, 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 Morriston, 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 Morriston, Florida. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in FL.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Morriston, 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?
What are the best Auto Loan rates in Morriston, Florida?
- Panhandle Credit Union: 3.19% (New & Used Autos)
- Memorial Employees Financial Credit Union: 3.24% (Auto Loans (with 10% Down Payment) - 2019-2026)
- Keys Federal Credit Union: 3.25% (New Vehicles Loan)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- TMH Federal Credit Union: 3.35% (New Auto/ Used Auto (Five Years or Newer))
