Auto Loan Rates in Florida (FL) for July 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 Florida. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Florida include Panhandle Credit UnionPanhandle Credit Union2718 Martin Luther King Jr Blvd, Panama City, FL, 32405 4408A+5.0 ★Texas Ratio: 1.16% offering New & Used Autos at 3.19%, Memorial Employees Financial Credit UnionMemorial Employees Financial Credit Union3501 Johnson St, Hollywood, FL, 33021 5421A+5.0 ★Texas Ratio: 1.77% offering Auto Loans (with 10% Down Payment) - 2019-2026 at 3.24%, Keys Federal Credit UnionKeys Federal Credit Union514 Southard St, Key West, FL, 33040A5.0 ★Texas Ratio: 10.34% offering New Vehicles Loan at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, TMH Federal Credit UnionTMH Federal Credit Union345 S Magnolia Dr, Tallahassee, FL, 32301A+5.0 ★Texas Ratio: 5.40% offering New Auto/ Used Auto (Five Years or Newer) at 3.35%. Auto loan rates as of July 15, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Florida side-by-side. Florida auto loan rates currently start as low as 3.19% APR from Panhandle Credit Union at 2718 Martin Luther King Jr Blvd, Panama City, FL, 32405 4408. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Florida. Auto Loan Rates Last Updated and Verified: July 15, 2026
Compare Auto Loan Rates Today in Florida
Florida Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2718 Martin Luther King Jr Blvd, Panama City, FL, 32405 4408
New & Used Autos
3.19%
Up to 84 Months
▼
APR3.19%
TermUp to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; (Autos up to 10 years old)
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) - 2019-2026
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedJul 11, 2026
Details
As Low As; 10% Down Payment
Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
514 Southard St, Key West, FL, 33040
New Vehicles Loan
3.25%
2024 or newer
▼
APR3.25%
Term2024 or newer
Last UpdatedJul 6, 2026
Details
Rates As Low As*
Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
514 Southard St, Key West, FL, 33040
Used Vehicles Loan
3.25%
2024 or newer
▼
APR3.25%
Term2024 or newer
Last UpdatedJul 6, 2026
Details
Rates As Low As*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedJul 15, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL, 33122 1824
New Automobile
3.49%
24-84 Months
▼
APR3.49%
Term24-84 Months
Last UpdatedJul 7, 2026
Details
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.
Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
103 S Tyndall Pkwy, Panama City, FL, 32404 6722
New Auto Loan
3.49%
Up to 84 Months
▼
APR3.49%
TermUp to 84 Months
Last UpdatedJul 11, 2026
Details
EMERALD COAST
Institution Rating:
A+5.0 ★ Texas Ratio: 9.99%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
New Vehicles Loan
3.49%
36-month
▼
APR3.49%
Term36-month
Last UpdatedJul 14, 2026
Details
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedJul 15, 2026
Details
As low as
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
3.50%
12-36 months
▼
APR3.50%
Term12-36 months
Last UpdatedJul 14, 2026
Details
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
3.50%
12-36 Months
▼
APR3.50%
Term12-36 Months
Last UpdatedJul 14, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan New
3.59%
36 Months
▼
APR3.59%
Term36 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
3.59%
36 Months
▼
APR3.59%
Term36 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL, 33122 1824
Used Automobile
3.74%
24-84 Months
▼
APR3.74%
Term24-84 Months
Last UpdatedJul 7, 2026
Details
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.
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) - 2019 & older
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; 10% Down Payment
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) - 2020-2026
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; 10% Down Payment
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan New
3.84%
48 Months
▼
APR3.84%
Term48 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
3.84%
48 Months
▼
APR3.84%
Term48 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months
▼
APR3.95%
Term72 Months
Last UpdatedJul 15, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
1225 Millennium Pkwy, Brandon, FL, 33511
New Automobile
3.99%
up to 84 Months
▼
APR3.99%
Termup to 84 Months
Last UpdatedJul 7, 2026
Details
New Automobile (2025 & newer)
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
13241 SW 136th St, MIAMI, FL, 33186 5822
New & Used (up to 75k miles) Car Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
103 S Tyndall Pkwy, Panama City, FL, 32404 6722
Used Auto Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJul 11, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan Used
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 14, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
EMERALD COAST
Institution Rating:
A+5.0 ★ Texas Ratio: 9.99%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
Used Vehicles Loan
3.99%
36-month
▼
APR3.99%
Term36-month
Last UpdatedJul 14, 2026
Details
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Special 250th Auto Loans (New)
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 15, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Special 250th Auto Loans (Used)
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 15, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.00%
up to 36 months
▼
APR4.00%
Termup to 36 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
4.00%
37-48 months
▼
APR4.00%
Term37-48 months
Last UpdatedJul 14, 2026
Details
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.00%
37-48 Months
▼
APR4.00%
Term37-48 Months
Last UpdatedJul 14, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.00%
Up to 66 months
▼
APR4.00%
TermUp to 66 months
Last UpdatedJul 15, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan New
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan Used
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 14, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 15, 2026
Details
As low as
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
4.25%
12 - 24
▼
APR4.25%
Term12 - 24
Last UpdatedJul 15, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car - 36 Months Loan
4.29%
36 months
▼
APR4.29%
Term36 months
Last UpdatedJul 11, 2026
Details
36 months at 4.290% (4.290% APR) for a $30,000 loan would result in a monthly payment of $889.59.
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2205 Haines St, Jacksonville, FL, 32206 3301
NEW VEHICLES Loan
4.40%
36-60 Months
▼
APR4.40%
Term36-60 Months
Last UpdatedJul 7, 2026
Details
APR* As low as
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.40%
up to 48 months
▼
APR4.40%
Termup to 48 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan New
4.44%
66 Months
▼
APR4.44%
Term66 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
4.44%
66 Months
▼
APR4.44%
Term66 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
1225 Millennium Pkwy, Brandon, FL, 33511
Used Automobile
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details
Used Automobile (2017 & newer)
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Auto
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
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.
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 7, 2026
Details
CREDIT SCORE: 720+
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 7, 2026
Details
CREDIT SCORE: 720+
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 10, 2026
Details
As Low As; APR = Annual Percentage Rate
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 14, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
New Vehicle Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJul 14, 2026
Details
5.79% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
Used Vehicle Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJul 14, 2026
Details
5.79% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
New Cars & Trucks Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 15, 2026
Details
APR* As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; 4.74%, 5.24%, 6.24%
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 15, 2026
Details
As low as
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
New Auto Loans
4.50%
Up to 4 Years
▼
APR4.50%
TermUp to 4 Years
Last UpdatedJul 15, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
New Auto/Van/Truck Loans
4.54%
0-48 months
▼
APR4.54%
Term0-48 months
Last UpdatedJul 7, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.55%
up to 60 months
▼
APR4.55%
Termup to 60 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.59%
36 months
▼
APR4.59%
Term36 months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed APR
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car - 48 Months Loan
4.59%
48 months
▼
APR4.59%
Term48 months
Last UpdatedJul 11, 2026
Details
48 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $685.32.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan Used
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedJul 14, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL, 32063 2608
New Vehicle Loans
4.69%
24 - 36 months
▼
APR4.69%
Term24 - 36 months
Last UpdatedJul 11, 2026
Details
Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Auto Loan
4.69%
up to 96 Months
▼
APR4.69%
Termup to 96 Months
Last UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan New
4.69%
72 Months
▼
APR4.69%
Term72 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
4.69%
72 Months
▼
APR4.69%
Term72 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
4.70%
up to 48 months
▼
APR4.70%
Termup to 48 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
1st Street Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1558 1st St, Sarasota, FL, 34236 8502
Autos (New & Used)
4.74%
2023-2025
▼
APR4.74%
Term2023-2025
Last UpdatedJul 7, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Auto
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedJul 7, 2026
Details
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.
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJul 7, 2026
Details
CREDIT SCORE: 720+
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans Used Auto 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJul 7, 2026
Details
Credit Score 720+
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL, 32534
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 11, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJul 11, 2026
Details
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.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJul 14, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Special 250th Auto Loans (New)
4.74%
37-48 months
▼
APR4.74%
Term37-48 months
Last UpdatedJul 15, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Special 250th Auto Loans (Used)
4.74%
37-48 months
▼
APR4.74%
Term37-48 months
Last UpdatedJul 15, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; 4.49%, 5.24%, 6.24%
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Used Vehicle Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; 4.99%, 5.49%, 6.49%
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedJul 15, 2026
Details
As low as
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
Suncoast Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.71%
6536 E Hillsborough Ave, Tampa, FL, 33610
Auto Loans
4.75%
84-month
▼
APR4.75%
Term84-month
Last UpdatedJul 11, 2026
Details
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.
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.75%
up to 72 months
▼
APR4.75%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL, 33021 5421
Auto Loans (with 10% Down Payment) - 2021-2026
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; 10% Down Payment
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
562 Park St, Jacksonville, FL, 32204 2918
Used Auto, Van, Pickup, SUV (2019-2026)
4.75%
0-48 Months
▼
APR4.75%
Term0-48 Months
Last UpdatedJul 11, 2026
Details
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.
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
4.75%
49-60 months
▼
APR4.75%
Term49-60 months
Last UpdatedJul 14, 2026
Details
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.75%
49-60 Months
▼
APR4.75%
Term49-60 Months
Last UpdatedJul 14, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
New Auto Loans
4.75%
5 Year
▼
APR4.75%
Term5 Year
Last UpdatedJul 15, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL, 32601 6808
New Car Loan
4.79%
75 months
▼
APR4.79%
Term75 months
Last UpdatedJul 11, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.79%
48 months
▼
APR4.79%
Term48 months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed APR
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
New Auto/Van/Truck Loans
4.79%
49-66 months
▼
APR4.79%
Term49-66 months
Last UpdatedJul 7, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Used Car - 36 Months Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedJul 11, 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: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedJul 11, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedJul 11, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.84%
60 months
▼
APR4.84%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed APR
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan Used
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedJul 14, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
4.85%
up to 60 months
▼
APR4.85%
Termup to 60 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2205 Haines St, Jacksonville, FL, 32206 3301
USED VEHICLES Loan
4.90%
36-60 Months
▼
APR4.90%
Term36-60 Months
Last UpdatedJul 7, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
Used Cars & Trucks Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedJul 15, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL, 32803
New Car Loan
4.99%
up to 48 Months
▼
APR4.99%
Termup to 48 Months
Last UpdatedJul 7, 2026
Details
As Low As; Starting at
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 7, 2026
Details
CREDIT SCORE: 680-719
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 7, 2026
Details
CREDIT SCORE: 720+
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans Used Auto 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 7, 2026
Details
Credit Score 720+
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Used Car - 48 Months Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 11, 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: 0.35%
602 S 6th St, Macclenny, FL, 32063 2608
New Vehicle Loans
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedJul 11, 2026
Details
Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As
Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
300 S Plumosa St, Merritt Island, FL, 32952
New Auto & Truck Loan
4.99%
Up to 36 months, Max term 84 months
▼
APR4.99%
TermUp to 36 months, Max term 84 months
Last UpdatedJul 11, 2026
Details
As Low As; 2025-present
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto
4.99%
60 Mo
▼
APR4.99%
Term60 Mo
Last UpdatedJul 11, 2026
Details
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.
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedJul 11, 2026
Details
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.
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 11, 2026
Details
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.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
604 13th Ave E, Bradenton, FL, 34208
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; New Auto 2025 + Newer Only
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL, 32435
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 14, 2026
Details
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJul 14, 2026
Details
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used)
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedJul 15, 2026
Details
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
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
New Cars & Trucks Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
APR* As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
New Auto Loans
4.99%
6 Year
▼
APR4.99%
Term6 Year
Last UpdatedJul 15, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Used Vehicle Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; 4.74%, 5.49%, 6.49%
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 15, 2026
Details
As low as
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
New Cars, Trucks, Vans Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; 100%
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle 24 months Loan
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedJul 7, 2026
Details
As Low As APR
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle 36 months Loan
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As APR
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle 48 months Loan
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedJul 7, 2026
Details
As Low As APR
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle 60 months Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedJul 7, 2026
Details
As Low As APR
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle 72 months Loan
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As APR
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle 84 months Loan
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedJul 7, 2026
Details
As Low As APR
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car - 60 Months Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedJul 11, 2026
Details
60 months at 5.000% (5.000% APR) for a $30,000 loan would result in a monthly payment of $566.14.
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
5.00%
61-72 months
▼
APR5.00%
Term61-72 months
Last UpdatedJul 14, 2026
Details
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
5.00%
61-72 Months
▼
APR5.00%
Term61-72 Months
Last UpdatedJul 14, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles 1-2 yrs. old Loan
5.00%
2 Yrs
▼
APR5.00%
Term2 Yrs
Last UpdatedJul 15, 2026
Details
As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
Used Auto Loans
5.00%
2 Year
▼
APR5.00%
Term2 Year
Last UpdatedJul 15, 2026
Details
Used Auto Loans 90% Financing
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedJul 15, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
Used Auto/Van/Truck Loans
5.04%
0-48 months
▼
APR5.04%
Term0-48 months
Last UpdatedJul 7, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedJul 11, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedJul 11, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
New Cars & Trucks Loan
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedJul 15, 2026
Details
APR* As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
5.09%
72 months
▼
APR5.09%
Term72 months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed APR
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan Used
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedJul 14, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
5.10%
up to 72 months
▼
APR5.10%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
12125 N 56th St, Temple Terrace, FL, 33617
New Automobile
5.10%
36 - 84 months*
▼
APR5.10%
Term36 - 84 months*
Last UpdatedJul 15, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
Used Vehicle Loans
5.15%
36 months
▼
APR5.15%
Term36 months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed APR
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL, 32063 2608
New Vehicle Loans
5.19%
61 - 72 months
▼
APR5.19%
Term61 - 72 months
Last UpdatedJul 11, 2026
Details
Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL, 32063 2608
Tru Used Vehicle Loans Models
5.19%
24 - 36 months
▼
APR5.19%
Term24 - 36 months
Last UpdatedJul 11, 2026
Details
As Low As; Models (not over 7 years or 150k miles)
Radiant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL, 32601 6808
Used Car Loan
5.19%
75 months
▼
APR5.19%
Term75 months
Last UpdatedJul 11, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1550 N Krome Ave, Homestead, FL, 33030
Car Loans
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedJul 11, 2026
Details
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.
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
Used Vehicle Loans
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed APR
1st Street Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1558 1st St, Sarasota, FL, 34236 8502
Autos (New & Used)
5.24%
2021-2023
▼
APR5.24%
Term2021-2023
Last UpdatedJul 7, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Auto
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedJul 7, 2026
Details
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.
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL, 32803
New Car Loan
5.24%
49-60 Months
▼
APR5.24%
Term49-60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Starting at
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL, 32803
Used Car Loan
5.24%
up to 48 Months
▼
APR5.24%
Termup to 48 Months
Last UpdatedJul 7, 2026
Details
As Low As; Starting at
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJul 7, 2026
Details
CREDIT SCORE: 680-719
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans Used Auto 36 Months
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedJul 7, 2026
Details
Credit Score 680-719
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans Used Auto 60 Months
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedJul 7, 2026
Details
Credit Score 720+
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
Auto Loan
5.24%
48 months or less
▼
APR5.24%
Term48 months or less
Last UpdatedJul 11, 2026
Details
Bay; As Low As
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL, 32534
Auto Loan
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedJul 11, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedJul 11, 2026
Details
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.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
604 13th Ave E, Bradenton, FL, 34208
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Auto Loans (New)
5.24%
49-86 months
▼
APR5.24%
Term49-86 months
Last UpdatedJul 15, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Auto Loans (Used)
5.24%
49-86 months
▼
APR5.24%
Term49-86 months
Last UpdatedJul 15, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
Used Cars & Trucks Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle Loan
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedJul 15, 2026
Details
As Low As; 4.49%, 4.74%, 6.24%
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Sport Vehicle Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJul 15, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedJul 15, 2026
Details
As low as
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loan
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
Used Cars, Trucks, Vans Loan
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; 100%
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL, 33609 2955
New Car Loan
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedJul 7, 2026
Details
As Low As
Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
300 S Plumosa St, Merritt Island, FL, 32952
Used Auto & Truck Loan
5.25%
Up to 36 months, Max term 84 months
▼
APR5.25%
TermUp to 36 months, Max term 84 months
Last UpdatedJul 11, 2026
Details
As Low As; 2023-2024
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedJul 14, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
Used Auto Loans
5.25%
3 Year
▼
APR5.25%
Term3 Year
Last UpdatedJul 15, 2026
Details
Used Auto Loans 90% Financing
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
Older Used Autos
5.25%
Up to 66 months
▼
APR5.25%
TermUp to 66 months
Last UpdatedJul 15, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
New Auto/Van/Truck Loans
5.29%
67-78 months
▼
APR5.29%
Term67-78 months
Last UpdatedJul 7, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
Used Auto/Van/Truck Loans
5.29%
49-66 months
▼
APR5.29%
Term49-66 months
Last UpdatedJul 7, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL, 32063 2608
Tru Used Vehicle Loans Models
5.29%
37 - 48 months
▼
APR5.29%
Term37 - 48 months
Last UpdatedJul 11, 2026
Details
As Low As; Models (not over 7 years or 150k miles)
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedJul 11, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedJul 11, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
Used Auto (Ten Years or Newer)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedJul 15, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
5.34%
66 Months
▼
APR5.34%
Term66 Months
Last UpdatedJul 14, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
Used Cars & Trucks Loan
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car - 72 Months Loan
5.35%
72 months
▼
APR5.35%
Term72 months
Last UpdatedJul 11, 2026
Details
72 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $488.03.
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Used Car - 60 Months Loan
5.35%
60 months
▼
APR5.35%
Term60 months
Last UpdatedJul 11, 2026
Details
60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96.
Powered by
MonitorBankRates
Florida New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2718 Martin Luther King Jr Blvd, Panama City, FL, 32405 4408
New & Used Autos
3.19%
Up to 84 Months
▼
APR3.19%
TermUp to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; (Autos up to 10 years old)
Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
514 Southard St, Key West, FL, 33040
New Vehicles Loan
3.25%
2024 or newer
▼
APR3.25%
Term2024 or newer
Last UpdatedJul 6, 2026
Details
Rates As Low As*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedJul 15, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL, 33122 1824
New Automobile
3.49%
24-84 Months
▼
APR3.49%
Term24-84 Months
Last UpdatedJul 7, 2026
Details
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.
Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
103 S Tyndall Pkwy, Panama City, FL, 32404 6722
New Auto Loan
3.49%
Up to 84 Months
▼
APR3.49%
TermUp to 84 Months
Last UpdatedJul 11, 2026
Details
EMERALD COAST
Institution Rating:
A+5.0 ★ Texas Ratio: 9.99%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
New Vehicles Loan
3.49%
36-month
▼
APR3.49%
Term36-month
Last UpdatedJul 14, 2026
Details
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedJul 15, 2026
Details
As low as
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
3.50%
12-36 months
▼
APR3.50%
Term12-36 months
Last UpdatedJul 14, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan New
3.59%
36 Months
▼
APR3.59%
Term36 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
3.59%
36 Months
▼
APR3.59%
Term36 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan New
3.84%
48 Months
▼
APR3.84%
Term48 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
3.84%
48 Months
▼
APR3.84%
Term48 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months
▼
APR3.95%
Term72 Months
Last UpdatedJul 15, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
1225 Millennium Pkwy, Brandon, FL, 33511
New Automobile
3.99%
up to 84 Months
▼
APR3.99%
Termup to 84 Months
Last UpdatedJul 7, 2026
Details
New Automobile (2025 & newer)
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
13241 SW 136th St, MIAMI, FL, 33186 5822
New & Used (up to 75k miles) Car Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Special 250th Auto Loans (New)
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 15, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.00%
up to 36 months
▼
APR4.00%
Termup to 36 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
4.00%
37-48 months
▼
APR4.00%
Term37-48 months
Last UpdatedJul 14, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.00%
Up to 66 months
▼
APR4.00%
TermUp to 66 months
Last UpdatedJul 15, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan New
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 15, 2026
Details
As low as
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
4.25%
12 - 24
▼
APR4.25%
Term12 - 24
Last UpdatedJul 15, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car - 36 Months Loan
4.29%
36 months
▼
APR4.29%
Term36 months
Last UpdatedJul 11, 2026
Details
36 months at 4.290% (4.290% APR) for a $30,000 loan would result in a monthly payment of $889.59.
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2205 Haines St, Jacksonville, FL, 32206 3301
NEW VEHICLES Loan
4.40%
36-60 Months
▼
APR4.40%
Term36-60 Months
Last UpdatedJul 7, 2026
Details
APR* As low as
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.40%
up to 48 months
▼
APR4.40%
Termup to 48 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan New
4.44%
66 Months
▼
APR4.44%
Term66 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
4.44%
66 Months
▼
APR4.44%
Term66 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Auto
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
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.
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 7, 2026
Details
CREDIT SCORE: 720+
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 7, 2026
Details
CREDIT SCORE: 720+
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 10, 2026
Details
As Low As; APR = Annual Percentage Rate
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
New Vehicle Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJul 14, 2026
Details
5.79% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
New Cars & Trucks Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 15, 2026
Details
APR* As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; 4.74%, 5.24%, 6.24%
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 15, 2026
Details
As low as
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
New Auto Loans
4.50%
Up to 4 Years
▼
APR4.50%
TermUp to 4 Years
Last UpdatedJul 15, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
New Auto/Van/Truck Loans
4.54%
0-48 months
▼
APR4.54%
Term0-48 months
Last UpdatedJul 7, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.55%
up to 60 months
▼
APR4.55%
Termup to 60 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.59%
36 months
▼
APR4.59%
Term36 months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed APR
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car - 48 Months Loan
4.59%
48 months
▼
APR4.59%
Term48 months
Last UpdatedJul 11, 2026
Details
48 months at 4.590% (4.590% APR) for a $30,000 loan would result in a monthly payment of $685.32.
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL, 32063 2608
New Vehicle Loans
4.69%
24 - 36 months
▼
APR4.69%
Term24 - 36 months
Last UpdatedJul 11, 2026
Details
Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan New
4.69%
72 Months
▼
APR4.69%
Term72 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
New Auto Loan
4.69%
72 Months
▼
APR4.69%
Term72 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
1st Street Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1558 1st St, Sarasota, FL, 34236 8502
Autos (New & Used)
4.74%
2023-2025
▼
APR4.74%
Term2023-2025
Last UpdatedJul 7, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Auto
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedJul 7, 2026
Details
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.
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJul 7, 2026
Details
CREDIT SCORE: 720+
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJul 11, 2026
Details
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.
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Special 250th Auto Loans (New)
4.74%
37-48 months
▼
APR4.74%
Term37-48 months
Last UpdatedJul 15, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; 4.49%, 5.24%, 6.24%
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedJul 15, 2026
Details
As low as
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
New Auto Loans - Model Year 2025 and newer
4.75%
up to 72 months
▼
APR4.75%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
4.75%
49-60 months
▼
APR4.75%
Term49-60 months
Last UpdatedJul 14, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
New Auto Loans
4.75%
5 Year
▼
APR4.75%
Term5 Year
Last UpdatedJul 15, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL, 32601 6808
New Car Loan
4.79%
75 months
▼
APR4.79%
Term75 months
Last UpdatedJul 11, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.79%
48 months
▼
APR4.79%
Term48 months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed APR
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
New Auto/Van/Truck Loans
4.79%
49-66 months
▼
APR4.79%
Term49-66 months
Last UpdatedJul 7, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedJul 11, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
4.84%
60 months
▼
APR4.84%
Term60 months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed APR
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedJul 15, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL, 32803
New Car Loan
4.99%
up to 48 Months
▼
APR4.99%
Termup to 48 Months
Last UpdatedJul 7, 2026
Details
As Low As; Starting at
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 7, 2026
Details
CREDIT SCORE: 680-719
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 7, 2026
Details
CREDIT SCORE: 720+
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL, 32063 2608
New Vehicle Loans
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedJul 11, 2026
Details
Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As
Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
300 S Plumosa St, Merritt Island, FL, 32952
New Auto & Truck Loan
4.99%
Up to 36 months, Max term 84 months
▼
APR4.99%
TermUp to 36 months, Max term 84 months
Last UpdatedJul 11, 2026
Details
As Low As; 2025-present
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto
4.99%
60 Mo
▼
APR4.99%
Term60 Mo
Last UpdatedJul 11, 2026
Details
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.
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedJul 11, 2026
Details
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.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
604 13th Ave E, Bradenton, FL, 34208
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; New Auto 2025 + Newer Only
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL, 32435
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 14, 2026
Details
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJul 14, 2026
Details
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used)
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedJul 15, 2026
Details
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
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
New Cars & Trucks Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
APR* As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
New Auto Loans
4.99%
6 Year
▼
APR4.99%
Term6 Year
Last UpdatedJul 15, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 15, 2026
Details
As low as
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
New Cars, Trucks, Vans Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; 100%
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle 24 months Loan
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedJul 7, 2026
Details
As Low As APR
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle 36 months Loan
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As APR
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle 48 months Loan
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedJul 7, 2026
Details
As Low As APR
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle 60 months Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedJul 7, 2026
Details
As Low As APR
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle 72 months Loan
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJul 7, 2026
Details
As Low As APR
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
New Vehicle 84 months Loan
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedJul 7, 2026
Details
As Low As APR
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car - 60 Months Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedJul 11, 2026
Details
60 months at 5.000% (5.000% APR) for a $30,000 loan would result in a monthly payment of $566.14.
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
New Automobile
5.00%
61-72 months
▼
APR5.00%
Term61-72 months
Last UpdatedJul 14, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedJul 15, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedJul 11, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
New Cars & Trucks Loan
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedJul 15, 2026
Details
APR* As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
New Vehicle Loans
5.09%
72 months
▼
APR5.09%
Term72 months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed APR
Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
12125 N 56th St, Temple Terrace, FL, 33617
New Automobile
5.10%
36 - 84 months*
▼
APR5.10%
Term36 - 84 months*
Last UpdatedJul 15, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL, 32063 2608
New Vehicle Loans
5.19%
61 - 72 months
▼
APR5.19%
Term61 - 72 months
Last UpdatedJul 11, 2026
Details
Up to 100% financing (Current Year or Previous with Less Than 15k Miles); As Low As
1st Street Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1558 1st St, Sarasota, FL, 34236 8502
Autos (New & Used)
5.24%
2021-2023
▼
APR5.24%
Term2021-2023
Last UpdatedJul 7, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
New Auto
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedJul 7, 2026
Details
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.
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL, 32803
New Car Loan
5.24%
49-60 Months
▼
APR5.24%
Term49-60 Months
Last UpdatedJul 7, 2026
Details
As Low As; Starting at
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
New Auto 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJul 7, 2026
Details
CREDIT SCORE: 680-719
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
604 13th Ave E, Bradenton, FL, 34208
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Auto Loans (New)
5.24%
49-86 months
▼
APR5.24%
Term49-86 months
Last UpdatedJul 15, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
New Vehicle Loan
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedJul 15, 2026
Details
As Low As; 4.49%, 4.74%, 6.24%
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Sport Vehicle Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJul 15, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New Auto Loans
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedJul 15, 2026
Details
As low as
Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL, 33609 2955
New Car Loan
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedJul 7, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Auto Loans: New Vehicle
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedJul 14, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
New Vehicles Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
New Auto/Van/Truck Loans
5.29%
67-78 months
▼
APR5.29%
Term67-78 months
Last UpdatedJul 7, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedJul 11, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
Used Auto (Ten Years or Newer)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedJul 15, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
New Car - 72 Months Loan
5.35%
72 months
▼
APR5.35%
Term72 months
Last UpdatedJul 11, 2026
Details
72 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $488.03.
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MonitorBankRates
Florida Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2718 Martin Luther King Jr Blvd, Panama City, FL, 32405 4408
New & Used Autos
3.19%
Up to 84 Months
▼
APR3.19%
TermUp to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; (Autos up to 10 years old)
Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.34%
514 Southard St, Key West, FL, 33040
Used Vehicles Loan
3.25%
2024 or newer
▼
APR3.25%
Term2024 or newer
Last UpdatedJul 6, 2026
Details
Rates As Low As*
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
APR3.35%
Term60 Months
Last UpdatedJul 15, 2026
Details
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
3.50%
12-36 Months
▼
APR3.50%
Term12-36 Months
Last UpdatedJul 14, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL, 33122 1824
Used Automobile
3.74%
24-84 Months
▼
APR3.74%
Term24-84 Months
Last UpdatedJul 7, 2026
Details
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.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months
▼
APR3.95%
Term72 Months
Last UpdatedJul 15, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
13241 SW 136th St, MIAMI, FL, 33186 5822
New & Used (up to 75k miles) Car Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Hello Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
103 S Tyndall Pkwy, Panama City, FL, 32404 6722
Used Auto Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJul 11, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan Used
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 14, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
EMERALD COAST
Institution Rating:
A+5.0 ★ Texas Ratio: 9.99%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
Used Vehicles Loan
3.99%
36-month
▼
APR3.99%
Term36-month
Last UpdatedJul 14, 2026
Details
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Special 250th Auto Loans (Used)
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 15, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.00%
37-48 Months
▼
APR4.00%
Term37-48 Months
Last UpdatedJul 14, 2026
Details
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.00%
Up to 66 months
▼
APR4.00%
TermUp to 66 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan Used
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 14, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
4.25%
up to 36 months
▼
APR4.25%
Termup to 36 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
1225 Millennium Pkwy, Brandon, FL, 33511
Used Automobile
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details
Used Automobile (2017 & newer)
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 10, 2026
Details
As Low As; APR = Annual Percentage Rate
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 14, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
Used Vehicle Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJul 14, 2026
Details
5.79% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months.
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan Used
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedJul 14, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1100 Lee Wagener Blvd Ste 101, Fort Lauderdale, FL, 33315
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
4.70%
up to 48 months
▼
APR4.70%
Termup to 48 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
1st Street Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1558 1st St, Sarasota, FL, 34236 8502
Autos (New & Used)
4.74%
2023-2025
▼
APR4.74%
Term2023-2025
Last UpdatedJul 7, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans Used Auto 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJul 7, 2026
Details
Credit Score 720+
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJul 14, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Special 250th Auto Loans (Used)
4.74%
37-48 months
▼
APR4.74%
Term37-48 months
Last UpdatedJul 15, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Used Vehicle Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; 4.99%, 5.49%, 6.49%
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
562 Park St, Jacksonville, FL, 32204 2918
Used Auto, Van, Pickup, SUV (2019-2026)
4.75%
0-48 Months
▼
APR4.75%
Term0-48 Months
Last UpdatedJul 11, 2026
Details
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.
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.75%
49-60 Months
▼
APR4.75%
Term49-60 Months
Last UpdatedJul 14, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Used Car - 36 Months Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedJul 11, 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: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedJul 11, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan Used
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedJul 14, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
4.84%
66 Months
▼
APR4.84%
Term66 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
4.85%
up to 60 months
▼
APR4.85%
Termup to 60 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2205 Haines St, Jacksonville, FL, 32206 3301
USED VEHICLES Loan
4.90%
36-60 Months
▼
APR4.90%
Term36-60 Months
Last UpdatedJul 7, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
Used Cars & Trucks Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months
▼
APR4.95%
Term84 Months
Last UpdatedJul 15, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans Used Auto 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 7, 2026
Details
Credit Score 720+
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Used Car - 48 Months Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 11, 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: 2.78%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedJul 11, 2026
Details
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.
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL, 32435
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJul 14, 2026
Details
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1930 NE 47th St Ste 120, Ft Lauderdale, FL, 33308
Auto Loans (New & Used)
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedJul 15, 2026
Details
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
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Used Vehicle Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; 4.74%, 5.49%, 6.49%
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
5.00%
61-72 Months
▼
APR5.00%
Term61-72 Months
Last UpdatedJul 14, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL, 33040
Used Vehicles 1-2 yrs. old Loan
5.00%
2 Yrs
▼
APR5.00%
Term2 Yrs
Last UpdatedJul 15, 2026
Details
As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
Used Auto Loans
5.00%
2 Year
▼
APR5.00%
Term2 Year
Last UpdatedJul 15, 2026
Details
Used Auto Loans 90% Financing
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedJul 15, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
Used Auto/Van/Truck Loans
5.04%
0-48 months
▼
APR5.04%
Term0-48 months
Last UpdatedJul 7, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedJul 11, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Auto Loan Used
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedJul 14, 2026
Details
0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedJul 14, 2026
Details
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Used Auto Loans - Model Year 2024-2022
5.10%
up to 72 months
▼
APR5.10%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
As Low As; APR includes Local Heroes Program Discount
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
Used Vehicle Loans
5.15%
36 months
▼
APR5.15%
Term36 months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed APR
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL, 32063 2608
Tru Used Vehicle Loans Models
5.19%
24 - 36 months
▼
APR5.19%
Term24 - 36 months
Last UpdatedJul 11, 2026
Details
As Low As; Models (not over 7 years or 150k miles)
Radiant Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL, 32601 6808
Used Car Loan
5.19%
75 months
▼
APR5.19%
Term75 months
Last UpdatedJul 11, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL, 32207
Used Vehicle Loans
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedJul 6, 2026
Details
As Low As; Fixed APR
1st Street Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1558 1st St, Sarasota, FL, 34236 8502
Autos (New & Used)
5.24%
2021-2023
▼
APR5.24%
Term2021-2023
Last UpdatedJul 7, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL, 32803
Used Car Loan
5.24%
up to 48 Months
▼
APR5.24%
Termup to 48 Months
Last UpdatedJul 7, 2026
Details
As Low As; Starting at
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans Used Auto 36 Months
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedJul 7, 2026
Details
Credit Score 680-719
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Vehicle Loans Used Auto 60 Months
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedJul 7, 2026
Details
Credit Score 720+
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedJul 11, 2026
Details
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.
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Auto Loans (Used)
5.24%
49-86 months
▼
APR5.24%
Term49-86 months
Last UpdatedJul 15, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
Used Cars & Trucks Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loan
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
Used Cars, Trucks, Vans Loan
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; 100%
Launch Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
300 S Plumosa St, Merritt Island, FL, 32952
Used Auto & Truck Loan
5.25%
Up to 36 months, Max term 84 months
▼
APR5.25%
TermUp to 36 months, Max term 84 months
Last UpdatedJul 11, 2026
Details
As Low As; 2023-2024
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
Used Auto Loans
5.25%
3 Year
▼
APR5.25%
Term3 Year
Last UpdatedJul 15, 2026
Details
Used Auto Loans 90% Financing
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
Older Used Autos
5.25%
Up to 66 months
▼
APR5.25%
TermUp to 66 months
Last UpdatedJul 15, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
Used Auto/Van/Truck Loans
5.29%
49-66 months
▼
APR5.29%
Term49-66 months
Last UpdatedJul 7, 2026
Details
As Low As
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL, 32063 2608
Tru Used Vehicle Loans Models
5.29%
37 - 48 months
▼
APR5.29%
Term37 - 48 months
Last UpdatedJul 11, 2026
Details
As Low As; Models (not over 7 years or 150k miles)
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL, 33487 4901
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedJul 11, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
Used Auto (Ten Years or Newer)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedJul 15, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★ Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
5.34%
66 Months
▼
APR5.34%
Term66 Months
Last UpdatedJul 14, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
Used Cars & Trucks Loan
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
Used Car - 60 Months Loan
5.35%
60 months
▼
APR5.35%
Term60 months
Last UpdatedJul 11, 2026
Details
60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96.
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MonitorBankRates
Florida Auto Loan Rate Trends
Compare local Florida auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — FL Avg
5.062%
▼ 0.096 vs 7 days ago
Florida new auto rates fell 0.096 points over the past 7 days to 5.062% APR.
Used Auto Loan — FL Avg
5.737%
▼ 0.227 vs 7 days ago
Florida used auto rates fell 0.227 points over the past 7 days to 5.737% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Florida auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Florida directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Florida. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in FL.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in 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 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 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 Florida?
Based on our current data, some of the lowest auto loan rates available in Florida include:
- 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))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Florida. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 15, 2026
Auto Loan Rates by City in Florida
Rate Assistant
MonitorBankRates.com · Live Data
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