Florida Auto Loan Rate Trends
Track current and weekly average auto loan rates in Florida, view interactive rate trend charts, and compare local FL aprs against the national average.
Current Florida Auto Loan Rate Trends
Auto Loan rates in Florida fell 0.009 this week to 4.976%, down from 4.985% last week.
At 4.976%, Florida’s average sits 0.992 below the current national average of 5.968%. FL borrowers may have a competitive advantage relative to the national market.
The Florida auto loan rate averages on this page are calculated from 633 verified auto loan rate quotes collected across 95 banks and credit unions actively operating in Florida. Our proprietary systems collect and verify rates daily, tracking what real licensed institutions are actually quoting to borrowers, not rate sheet estimates.
Florida Auto Loan Rate Trends Chart
Daily average rates since April 13, 2026. State data shown where available; national average used as fallback. Hover to see exact rates.
Florida auto loan rate averages compiled from 633 current rate quotes across 95 banks and credit unions operating in FL, updated daily.
As of Oct 13, 2026 • Data provided by MonitorBankRates.com
Historical Auto Loan Rate Trends in Florida
Quarterly average rates at credit unions headquartered in Florida, 1994 to present. Different methodology from the daily chart above, this series reflects portfolio rates self-reported to NCUA each quarter.
Based on reporting credit unions in Florida (latest quarter).
Source: MonitorBankRates.com analysis of NCUA Call Report data, 1994 to present.
Quarterly weighted averages calculated from credit union rate filings, weighted by loan portfolio balance.
