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Auto Loan Rates in Pensacola, Florida (FL) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| i Editorial Disclosure
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 Pensacola, Florida. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 23, 2026

Current auto loan rates in Pensacola, Florida include Members First Credit Union of FloridaMembers First Credit Union of Florida251 W Garden St, Pensacola, FL, 32502 5728A+5.0 ★Texas Ratio: 1.04% offering New Vehicle at 4.49%, My Pensacola Federal Credit UnionMy Pensacola Federal Credit Union108 S Reus St, Pensacola, FL, 32502 5718A+5.0 ★Texas Ratio: 0.89% offering Auto Loans (New) at 4.74%, Gulf Winds Credit UnionGulf Winds Credit Union220 E Nine Mile Rd, Pensacola, FL, 32534A+5.0 ★Texas Ratio: 3.94% offering Auto Loan at 4.74%, Pen Air Credit UnionPen Air Credit Union1495 E Nine Mile Rd, Pensacola, FL, 32514 5723A+5.0 ★Texas Ratio: 3.02% offering New Auto/Truck at 4.74%, Central Credit Union of FloridaCentral Credit Union of Florida6200 N W St, Pensacola, FL, 32505 1903A+5.0 ★Texas Ratio: 3.55% offering My First Auto Loan at 10.47%. Auto loan rates as of April 23, 2026 according to verified data from MonitorBankRates.

Pensacola has 5 local institutions in our database, with auto loan rates as low as 4.49% APR from Members First Credit Union of Florida at 251 W Garden St, Pensacola, FL, 32502 5728. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Pensacola, Florida. Auto Loan Rates Last Updated and Verified: April 23, 2026

Compare Auto Loan Rates Today in Pensacola, Florida & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL, 32502 5728
New Vehicle
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL, 32502 5728
Used Vehicle
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
108 S Reus St, Pensacola, FL, 32502 5718
Auto Loans (New)
4.74%
86 Months
View
▼
APR4.74%
Term86 Months
Last UpdatedApr 18, 2026
Details

terms up to 86 months

My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
108 S Reus St, Pensacola, FL, 32502 5718
Auto Loans (Used)
4.74%
86 Months
View
▼
APR4.74%
Term86 Months
Last UpdatedApr 18, 2026
Details

terms up to 86 months

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
Auto Loan
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedApr 19, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
Auto Loan
5.24%
66 months
View
▼
APR5.24%
Term66 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
5.24%
66 months
View
▼
APR5.24%
Term66 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
5.49%
75 months
View
▼
APR5.49%
Term75 months
Last UpdatedApr 19, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
Auto Loan
5.74%
75 months
View
▼
APR5.74%
Term75 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
5.74%
75 months
View
▼
APR5.74%
Term75 months
Last UpdatedApr 19, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
Auto Loan
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedApr 19, 2026
Details

Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL, 32502 5728
Classic Vehicle
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
Auto Loan
9.99%
36 months
View
▼
APR9.99%
Term36 months
Last UpdatedApr 19, 2026
Details

Central Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
6200 N W St, Pensacola, FL, 32505 1903
My First Auto Loan
10.47%
72 Months
View
▼
APR10.47%
Term72 Months
Last UpdatedApr 19, 2026
Details

Up to $20,000 Financed

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
Auto Loan
12.99%
66 months
View
▼
APR12.99%
Term66 months
Last UpdatedApr 19, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
Auto Loan
13.99%
75 months
View
▼
APR13.99%
Term75 months
Last UpdatedApr 19, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL, 32534
Auto Loan
16.99%
84 months
View
▼
APR16.99%
Term84 months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New & Used Autos
3.19%
84 Months
View
▼
APR3.19%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; (Autos up to 10 years old)

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 10% Down Payment) 2018-2025
3.24%
24 Months
View
▼
APR3.24%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Keys Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.39%
Auto Loans
3.25%
84 Months
View
▼
APR3.25%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; Terms up to 84 months

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
View
▼
APR3.35%
Term60 Months
Last UpdatedApr 18, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
3.49%
48 Months
View
▼
APR3.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Automobile
3.50%
12-36
View
▼
APR3.50%
Term12-36
Last UpdatedApr 19, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 10% Down Payment) 2018 & older
3.74%
36 Months
View
▼
APR3.74%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 10% Down Payment) 2019-2025
3.74%
36 Months
View
▼
APR3.74%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
View
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedApr 18, 2026
Details

TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
View
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As; 24 month to 84 month terms

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.00%
66 Months
View
▼
APR4.00%
Term66 Months
Last UpdatedApr 18, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.00%
up to 36 months
View
▼
APR4.00%
Termup to 36 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Automobile
4.00%
37-48
View
▼
APR4.00%
Term37-48
Last UpdatedApr 19, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
4.25%
12 - 24
View
▼
APR4.25%
Term12 - 24
Last UpdatedApr 18, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.25%
up to 36 months
View
▼
APR4.25%
Termup to 36 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
4.29%
36 Months
View
▼
APR4.29%
Term36 Months
Last UpdatedApr 19, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details

Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
New Vehicles
4.40%
36-60
View
▼
APR4.40%
Term36-60
Last UpdatedApr 19, 2026
Details

As Low As

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.45%
up to 48 months
View
▼
APR4.45%
Termup to 48 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 36 Months
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 48 Months
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
4.59%
0-48 Months
View
▼
APR4.59%
Term0-48 Months
Last UpdatedApr 22, 2026
Details

As Low As; ...

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
4.59%
48 Months
View
▼
APR4.59%
Term48 Months
Last UpdatedApr 19, 2026
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (2025 & newer)
4.60%
84 Months
View
▼
APR4.60%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details

As Low As

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
4.69%
36 months
View
▼
APR4.69%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto
4.69%
12 to 48
View
▼
APR4.69%
Term12 to 48
Last UpdatedApr 18, 2026
Details

As Low As

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto
4.69%
12 to 48
View
▼
APR4.69%
Term12 to 48
Last UpdatedApr 18, 2026
Details

As Low As

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.70%
up to 60 months
View
▼
APR4.70%
Termup to 60 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.70%
up to 48 months
View
▼
APR4.70%
Termup to 48 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.74%
66 Months
View
▼
APR4.74%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 8, 2026
Details

As Low As

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Used Auto, Van, Pickup, SUV2 (2019-2026)
4.75%
0-48 Months
View
▼
APR4.75%
Term0-48 Months
Last UpdatedApr 22, 2026
Details

As Low As; ...

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans (with 10% Down Payment) 2020-2025
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Automobile
4.75%
49-60
View
▼
APR4.75%
Term49-60
Last UpdatedApr 19, 2026
Details

Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto/Van/Truck Loans
4.79%
0-48
View
▼
APR4.79%
Term0-48
Last UpdatedApr 19, 2026
Details

As Low As

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
4.79%
36 Months
View
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details

36 months at 4.790% (4.790% APR) for a $30,000 loan would result in a monthly payment of $896.30.

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
4.79%
36 Months
View
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
4.79%
36 Months
View
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.80%
up to 72 months
View
▼
APR4.80%
Termup to 72 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Used Vehicles
4.90%
36-60
View
▼
APR4.90%
Term36-60
Last UpdatedApr 19, 2026
Details

First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicles - Model years 2025 or newer
4.94%
Up to 48 months
View
▼
APR4.94%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details

As Low As

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
View
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedApr 18, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.95%
up to 60 months
View
▼
APR4.95%
Termup to 60 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
View
▼
APR4.99%
Term4 Years
Last UpdatedApr 23, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2019-2020
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2021-2022
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2023-2025
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2026
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Over $40,000, + 1% APR

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New Cars, Trucks, Vans
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details

Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 36 Months
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 60 Months
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74.

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru New Vehicle Loans
4.99%
37 - 60
View
▼
APR4.99%
Term37 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
View
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedApr 19, 2026
Details

As Low As

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Used Vehicles
5.00%
12-24
View
▼
APR5.00%
Term12-24
Last UpdatedApr 18, 2026
Details

As Low As; 1-2 yrs. old

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
5.00%
78 Months
View
▼
APR5.00%
Term78 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
5.00%
78 Months
View
▼
APR5.00%
Term78 Months
Last UpdatedApr 8, 2026
Details

Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.42%
New Vehicle
5.00%
24 Months
View
▼
APR5.00%
Term24 Months
Last UpdatedApr 8, 2026
Details

As Low As

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Automobile
5.00%
61-72
View
▼
APR5.00%
Term61-72
Last UpdatedApr 19, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
5.04%
60 months
View
▼
APR5.04%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto/Van/Truck Loans
5.04%
49-66
View
▼
APR5.04%
Term49-66
Last UpdatedApr 19, 2026
Details

As Low As

First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Auto Loans
5.04%
49 - 66 Months
View
▼
APR5.04%
Term49 - 66 Months
Last UpdatedApr 19, 2026
Details

As Low As

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.04%
37 - 48 Months
View
▼
APR5.04%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.04%
37 - 48 Months
View
▼
APR5.04%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Automobile
5.10%
36 - 84
View
▼
APR5.10%
Term36 - 84
Last UpdatedApr 18, 2026
Details

As Low As

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
5.10%
72 Months
View
▼
APR5.10%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
5.10%
up to 72 months
View
▼
APR5.10%
Termup to 72 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - Used Vehicles
5.12%
48 Months
View
▼
APR5.12%
Term48 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Used Auto Loans
5.12%
48 Months
View
▼
APR5.12%
Term48 Months
Last UpdatedApr 8, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
5.19%
49-66 Months
View
▼
APR5.19%
Term49-66 Months
Last UpdatedApr 22, 2026
Details

As Low As; ...

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru New Vehicle Loans
5.19%
61 - 72
View
▼
APR5.19%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru Used Vehicle Loans Models
5.19%
24 - 36
View
▼
APR5.19%
Term24 - 36
Last UpdatedApr 19, 2026
Details

As Low As; not over 7 years or 150k miles

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
5.20%
72 Months
View
▼
APR5.20%
Term72 Months
Last UpdatedApr 19, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
5.24%
75 Months
View
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
5.24%
75 Months
View
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details

As Low As

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
5.24%
66 Months
View
▼
APR5.24%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Used Cars, Trucks, Vans
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
View
▼
APR5.24%
Term83 Months
Last UpdatedApr 19, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle without Auto Pay
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
View
▼
APR5.24%
Term83 Months
Last UpdatedApr 19, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle without Auto Pay
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 8, 2026
Details

As Low As

Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Car
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 48 Months
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 2026
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Auto Loans
5.24%
67 - 78 Months
View
▼
APR5.24%
Term67 - 78 Months
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
View
▼
APR5.24%
Term36 to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
View
▼
APR5.25%
Term5 Years
Last UpdatedApr 23, 2026
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
Older Used Autos
5.25%
66 Months
View
▼
APR5.25%
Term66 Months
Last UpdatedApr 18, 2026
Details

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto
5.25%
49 to 78
View
▼
APR5.25%
Term49 to 78
Last UpdatedApr 18, 2026
Details

As Low As

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto
5.25%
49 to 78
View
▼
APR5.25%
Term49 to 78
Last UpdatedApr 18, 2026
Details

As Low As

Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Car
5.25%
Up to 72 months
View
▼
APR5.25%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
Used Auto (Ten Years or Newer)
5.29%
60 Months
View
▼
APR5.29%
Term60 Months
Last UpdatedApr 18, 2026
Details

Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto/Van/Truck Loans
5.29%
0-48
View
▼
APR5.29%
Term0-48
Last UpdatedApr 19, 2026
Details

As Low As

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru Used Vehicle Loans Models
5.29%
37 - 48
View
▼
APR5.29%
Term37 - 48
Last UpdatedApr 19, 2026
Details

As Low As; not over 7 years or 150k miles

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.29%
49 - 60 Months
View
▼
APR5.29%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.29%
49 - 60 Months
View
▼
APR5.29%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle Loans
5.30%
36 months
View
▼
APR5.30%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
View
▼
APR5.34%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
5.35%
60 Months
View
▼
APR5.35%
Term60 Months
Last UpdatedApr 19, 2026
Details

60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96.

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
2025 and Newer Autos
5.39%
72 Months
View
▼
APR5.39%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
New Vehicles
5.40%
61-84
View
▼
APR5.40%
Term61-84
Last UpdatedApr 19, 2026
Details

As Low As

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
5.49%
67-78 Months
View
▼
APR5.49%
Term67-78 Months
Last UpdatedApr 22, 2026
Details

As Low As; ...

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Used Auto, Van, Pickup, SUV2 (2019-2026)
5.49%
49-66 Months
View
▼
APR5.49%
Term49-66 Months
Last UpdatedApr 22, 2026
Details

As Low As; ...

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL, 32502 5728
New Vehicle
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
108 S Reus St, Pensacola, FL, 32502 5718
Auto Loans (New)
4.74%
86 Months
View
▼
APR4.74%
Term86 Months
Last UpdatedApr 18, 2026
Details

terms up to 86 months

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
5.49%
75 months
View
▼
APR5.49%
Term75 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
New Auto/Truck
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New & Used Autos
3.19%
84 Months
View
▼
APR3.19%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; (Autos up to 10 years old)

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
View
▼
APR3.35%
Term60 Months
Last UpdatedApr 18, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
3.49%
48 Months
View
▼
APR3.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
View
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedApr 18, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.00%
66 Months
View
▼
APR4.00%
Term66 Months
Last UpdatedApr 18, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.00%
up to 36 months
View
▼
APR4.00%
Termup to 36 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
4.25%
12 - 24
View
▼
APR4.25%
Term12 - 24
Last UpdatedApr 18, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
4.29%
36 Months
View
▼
APR4.29%
Term36 Months
Last UpdatedApr 19, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details

Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
New Vehicles
4.40%
36-60
View
▼
APR4.40%
Term36-60
Last UpdatedApr 19, 2026
Details

As Low As

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.45%
up to 48 months
View
▼
APR4.45%
Termup to 48 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 20% Down
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 36 Months
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 48 Months
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
4.59%
0-48 Months
View
▼
APR4.59%
Term0-48 Months
Last UpdatedApr 22, 2026
Details

As Low As; ...

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
4.59%
48 Months
View
▼
APR4.59%
Term48 Months
Last UpdatedApr 19, 2026
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (2025 & newer)
4.60%
84 Months
View
▼
APR4.60%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
4.69%
36 months
View
▼
APR4.69%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto
4.69%
12 to 48
View
▼
APR4.69%
Term12 to 48
Last UpdatedApr 18, 2026
Details

As Low As

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.70%
up to 60 months
View
▼
APR4.70%
Termup to 60 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.74%
66 Months
View
▼
APR4.74%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 8, 2026
Details

As Low As

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details

Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto/Van/Truck Loans
4.79%
0-48
View
▼
APR4.79%
Term0-48
Last UpdatedApr 19, 2026
Details

As Low As

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
4.79%
36 Months
View
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
New Auto Loans - Model Year 2025 and newer
4.80%
up to 72 months
View
▼
APR4.80%
Termup to 72 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

First Coast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Vehicles - Model years 2025 or newer
4.94%
Up to 48 months
View
▼
APR4.94%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details

As Low As

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
View
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedApr 18, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
View
▼
APR4.99%
Term4 Years
Last UpdatedApr 23, 2026
Details

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2019-2020
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2021-2022
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2023-2025
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2026
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Over $40,000, + 1% APR

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New Cars, Trucks, Vans
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 0% Down
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

Electricians Local 349 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car/Truck Loans 10% Down
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details

Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 36 Months
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 60 Months
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru New Vehicle Loans
4.99%
37 - 60
View
▼
APR4.99%
Term37 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
View
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedApr 19, 2026
Details

As Low As

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
5.00%
78 Months
View
▼
APR5.00%
Term78 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
5.00%
78 Months
View
▼
APR5.00%
Term78 Months
Last UpdatedApr 8, 2026
Details

Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.42%
New Vehicle
5.00%
24 Months
View
▼
APR5.00%
Term24 Months
Last UpdatedApr 8, 2026
Details

As Low As

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
5.04%
60 months
View
▼
APR5.04%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto/Van/Truck Loans
5.04%
49-66
View
▼
APR5.04%
Term49-66
Last UpdatedApr 19, 2026
Details

As Low As

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.04%
37 - 48 Months
View
▼
APR5.04%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Trax Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Automobile
5.10%
36 - 84
View
▼
APR5.10%
Term36 - 84
Last UpdatedApr 18, 2026
Details

As Low As

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
5.10%
72 Months
View
▼
APR5.10%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
5.19%
49-66 Months
View
▼
APR5.19%
Term49-66 Months
Last UpdatedApr 22, 2026
Details

As Low As; ...

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru New Vehicle Loans
5.19%
61 - 72
View
▼
APR5.19%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Car
5.20%
72 Months
View
▼
APR5.20%
Term72 Months
Last UpdatedApr 19, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle Loans
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
5.24%
75 Months
View
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New Auto Loans
5.24%
75 Months
View
▼
APR5.24%
Term75 Months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
View
▼
APR5.24%
Term83 Months
Last UpdatedApr 19, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicle without Auto Pay
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Connect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Vehicle
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 8, 2026
Details

As Low As

Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Car
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans New Auto 48 Months
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 2026
Details

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
View
▼
APR5.24%
Term36 to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
5.25%
5 Years
View
▼
APR5.25%
Term5 Years
Last UpdatedApr 23, 2026
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Vehicles
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto
5.25%
49 to 78
View
▼
APR5.25%
Term49 to 78
Last UpdatedApr 18, 2026
Details

As Low As

Florida Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Car
5.25%
Up to 72 months
View
▼
APR5.25%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
Used Auto (Ten Years or Newer)
5.29%
60 Months
View
▼
APR5.29%
Term60 Months
Last UpdatedApr 18, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.29%
49 - 60 Months
View
▼
APR5.29%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details

Midflorida Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
2025 and Newer Autos
5.39%
72 Months
View
▼
APR5.39%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
New Vehicles
5.40%
61-84
View
▼
APR5.40%
Term61-84
Last UpdatedApr 19, 2026
Details

As Low As

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles)
5.49%
67-78 Months
View
▼
APR5.49%
Term67-78 Months
Last UpdatedApr 22, 2026
Details

As Low As; ...

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL, 32502 5728
Used Vehicle
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
108 S Reus St, Pensacola, FL, 32502 5718
Auto Loans (Used)
4.74%
86 Months
View
▼
APR4.74%
Term86 Months
Last UpdatedApr 18, 2026
Details

terms up to 86 months

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
5.24%
66 months
View
▼
APR5.24%
Term66 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
5.74%
75 months
View
▼
APR5.74%
Term75 months
Last UpdatedApr 19, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Used Auto/Truck
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedApr 19, 2026
Details

Panhandle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New & Used Autos
3.19%
84 Months
View
▼
APR3.19%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; (Autos up to 10 years old)

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
View
▼
APR3.35%
Term60 Months
Last UpdatedApr 18, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Automobile
3.50%
12-36
View
▼
APR3.50%
Term12-36
Last UpdatedApr 19, 2026
Details

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
View
▼
APR3.95%
Term72 Months / $20,000.00 Minimum
Last UpdatedApr 18, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.00%
66 Months
View
▼
APR4.00%
Term66 Months
Last UpdatedApr 18, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Automobile
4.00%
37-48
View
▼
APR4.00%
Term37-48
Last UpdatedApr 19, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.25%
up to 36 months
View
▼
APR4.25%
Termup to 36 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto
4.69%
12 to 48
View
▼
APR4.69%
Term12 to 48
Last UpdatedApr 18, 2026
Details

As Low As

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.70%
up to 48 months
View
▼
APR4.70%
Termup to 48 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Used Auto, Van, Pickup, SUV2 (2019-2026)
4.75%
0-48 Months
View
▼
APR4.75%
Term0-48 Months
Last UpdatedApr 22, 2026
Details

As Low As; ...

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Automobile
4.75%
49-60
View
▼
APR4.75%
Term49-60
Last UpdatedApr 19, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
4.79%
36 Months
View
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details

36 months at 4.790% (4.790% APR) for a $30,000 loan would result in a monthly payment of $896.30.

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
4.79%
36 Months
View
▼
APR4.79%
Term36 Months
Last UpdatedApr 19, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Jax Fire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Used Vehicles
4.90%
36-60
View
▼
APR4.90%
Term36-60
Last UpdatedApr 19, 2026
Details

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
New Auto/ Used Auto (Five Years or Newer)
4.95%
84 Months / $30,000.00 Minimum
View
▼
APR4.95%
Term84 Months / $30,000.00 Minimum
Last UpdatedApr 18, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
4.95%
up to 60 months
View
▼
APR4.95%
Termup to 60 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2019-2020
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2021-2022
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2023-2025
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans (New & Used) 2026
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Over $40,000, + 1% APR

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

48 months at 4.990% (4.990% APR) for a $30,000 loan would result in a monthly payment of $690.74.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedApr 19, 2026
Details

As Low As

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
Used Vehicles
5.00%
12-24
View
▼
APR5.00%
Term12-24
Last UpdatedApr 18, 2026
Details

As Low As; 1-2 yrs. old

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
New or Used Auto Up to 10 years old
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

SOUTHERNMOST
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Automobile
5.00%
61-72
View
▼
APR5.00%
Term61-72
Last UpdatedApr 19, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.04%
37 - 48 Months
View
▼
APR5.04%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
5.10%
72 Months
View
▼
APR5.10%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Orlando Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Used Auto Loans - Model Year 2024-2022
5.10%
up to 72 months
View
▼
APR5.10%
Termup to 72 months
Last UpdatedApr 19, 2026
Details

As Low As; APR includes Local Heroes Program Discount

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - Used Vehicles
5.12%
48 Months
View
▼
APR5.12%
Term48 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Used Auto Loans
5.12%
48 Months
View
▼
APR5.12%
Term48 Months
Last UpdatedApr 8, 2026
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru Used Vehicle Loans Models
5.19%
24 - 36
View
▼
APR5.19%
Term24 - 36
Last UpdatedApr 19, 2026
Details

As Low As; not over 7 years or 150k miles

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto Loans
5.24%
66 Months
View
▼
APR5.24%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Used Cars, Trucks, Vans
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle with Auto Pay from DFCU Account
5.24%
83 Months
View
▼
APR5.24%
Term83 Months
Last UpdatedApr 19, 2026
Details

As Low As

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicle without Auto Pay
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Adventhealth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Car
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
Vehicle Loans Used Auto
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
Older Used Autos
5.25%
66 Months
View
▼
APR5.25%
Term66 Months
Last UpdatedApr 18, 2026
Details

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto
5.25%
49 to 78
View
▼
APR5.25%
Term49 to 78
Last UpdatedApr 18, 2026
Details

As Low As

TMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.81%
Used Auto (Ten Years or Newer)
5.29%
60 Months
View
▼
APR5.29%
Term60 Months
Last UpdatedApr 18, 2026
Details

Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto/Van/Truck Loans
5.29%
0-48
View
▼
APR5.29%
Term0-48
Last UpdatedApr 19, 2026
Details

As Low As

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Tru Used Vehicle Loans Models
5.29%
37 - 48
View
▼
APR5.29%
Term37 - 48
Last UpdatedApr 19, 2026
Details

As Low As; not over 7 years or 150k miles

Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.29%
49 - 60 Months
View
▼
APR5.29%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle Loans
5.30%
36 months
View
▼
APR5.30%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
View
▼
APR5.34%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Fairwinds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Car
5.35%
60 Months
View
▼
APR5.35%
Term60 Months
Last UpdatedApr 19, 2026
Details

60 months at 5.350% (5.350% APR) for a $30,000 loan would result in a monthly payment of $570.96.

RadiFi Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Used Auto, Van, Pickup, SUV2 (2019-2026)
5.49%
49-66 Months
View
▼
APR5.49%
Term49-66 Months
Last UpdatedApr 22, 2026
Details

As Low As; ...

Pensacola, FL Auto Loan Rate Trends

Compare local Pensacola, FL auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Florida Auto Trends →
New Auto Loan — FL Avg
5.087%
▼ 0.033 vs 7 days ago

Florida new auto rates fell 0.033 points over the past 7 days to 5.087% APR.

Used Auto Loan — FL Avg
5.704%
▼ 0.109 vs 7 days ago

Florida used auto rates fell 0.109 points over the past 7 days to 5.704% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Pensacola, 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 Pensacola, 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 Pensacola, 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 Pensacola, Florida?

Based on our current data, some of the lowest auto loan rates available in Pensacola, Florida include:
  • Members First Credit Union of Florida: 4.49% (New Vehicle)
  • My Pensacola Federal Credit Union: 4.74% (Auto Loans (New))
  • Gulf Winds Credit Union: 4.74% (Auto Loan)
  • Pen Air Credit Union: 4.74% (New Auto/Truck)
  • Central Credit Union of Florida: 10.47% (My First Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Pensacola, Florida. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 23, 2026

Pensacola, Florida Rates & Resources

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