--- title: "Best Credit Union Auto Loan Rates in Florida" description: "47 Florida credit unions compared, October 2026: new car loans from 3.24% APR at Tyndall, used from 3.24% APR. Verified from real credit union rate sheets — no paid ranking, no affiliate links." canonical: "https://rateapi.dev/auto-loan-rates/florida" last-updated: "2026-10-19" source: "https://rateapi.dev/llms.txt" --- # Best Credit Union Auto Loan Rates in Florida Compare new and used car loan rates from credit unions in Florida. Today's best new car rate: 3.24% APR at Tyndall. Skip dealer markup with credit union pre-approval. Updated October 2026 74 Credit Unions [Home](https://rateapi.dev/) / [Auto Loan Rates](https://rateapi.dev/auto-loan-rates) / Florida 3.24% Lowest New Car APR Tyndall 5.05% Median New Car APR 3.24% Lowest Used Car APR 47 Institutions Florida auto loan rates range from 3.24% to 10.50% APR for new vehicles. Data from 74 credit unions, updated October 2026. > Source: [RateAPI.dev](https://rateapi.dev/auto-loan-rates/florida) ## Top Florida Credit Unions for Auto Loans Ranked by lowest APR. Based on a $35,000 loan over 60 months. | Credit Union | Rate | APR | Est. Payment | | Keys Credit Union Why Finance with Keys FCU? (New Vehicles (2024 or newer)) | 3.25% | 3.25% | $633/mo | [Visit Site](https://www.keysfcu.org/) | Blue Coast Credit Union REFINANCED AUTO LOAN | 2.99% | 2.99% | $629/mo | [Visit Site](https://mybcfcu.com/) | Southernmost Credit Union Used Auto Loan | 3.5% | 3.5% | $637/mo | [Visit Site](https://smfcu.net/) | Florida West Coast Credit Union New Auto Loan | 3.99% | 4% | $645/mo | [Visit Site](https://www.fwccu.com/) | Tyndall Credit Union Used Auto Loan | 3.24% | 3.24% | $633/mo | [Visit Site](https://www.tyndall.org/) | ## Used Car Loan Rates in Florida Lowest APR 3.24% Median APR 5.49% Institutions 31 ## How to Get the Best Auto Loan Rate in Florida Credit unions in Florida consistently beat dealer financing rates. Here's how to secure the lowest rate on your next car purchase: Want context beyond Florida? Compare against the [national auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) , or see how we collect and verify these numbers in our [rate methodology](https://rateapi.dev/methodology) . 1 #### Get Pre-Approved Before Shopping Walk into the dealership with a pre-approval letter. This gives you negotiating power and a baseline rate to compare against dealer offers. 2 #### Choose a Shorter Loan Term 48-60 month loans have lower rates than 72-84 month terms. Longer terms mean more interest paid over the life of the loan. 3 #### Consider Certified Pre-Owned CPO vehicles often qualify for new-car rates while costing significantly less. Best of both worlds for rate-conscious buyers. 4 #### Make a Larger Down Payment 20% down reduces your loan amount and may qualify you for better rates. It also protects against being underwater on the loan. ## Auto Loan Rates by City in Florida [Jacksonville Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/jacksonville) [Miami Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/miami) [Tampa Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/tampa) [Orlando Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/orlando) [Pensacola Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/pensacola) [Fort Lauderdale Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/fort-lauderdale) [Panama City Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/panama-city) [Tallahassee Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/tallahassee) [Boca Raton Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/boca-raton) [Gainesville Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/gainesville) [Hialeah Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/hialeah) [Hollywood Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/hollywood) [Key West Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/key-west) [Lakeland Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/lakeland) [West Palm Beach Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/west-palm-beach) [Cape Coral Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/cape-coral) [Pembroke Pines Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/pembroke-pines) [Clearwater Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/clearwater) [Brandon Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/brandon) [Fort Myers Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/fort-myers) [Melbourne Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/melbourne) [Kissimmee Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/kissimmee) [Daytona Beach Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/daytona-beach) [Sarasota Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/sarasota) [Ocala Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/ocala) [Bradenton Auto Loan Rates](https://rateapi.dev/auto-loan-rates/florida/bradenton) ### Auto Loan Rates in Nearby States [Alabama](https://rateapi.dev/auto-loan-rates/alabama) [Georgia](https://rateapi.dev/auto-loan-rates/georgia) ### Other Loan Products in Florida [Florida Credit Unions](https://rateapi.dev/credit-unions/florida) [First-Mortgage Rates in Florida](https://rateapi.dev/mortgage-rates/florida) [Florida HELOC Rates](https://rateapi.dev/heloc-rates/florida) [Florida Personal Loan Rates](https://rateapi.dev/personal-loan-rates/florida) ## Frequently Asked Questions Common questions about auto loan rates in Florida As of October 2026, new car loan rates in Florida range from 3.24% to 10.50% APR across credit unions. Used car rates are typically 0.5-2% higher. What are the current auto loan rates in Florida? To get the best auto loan rate in Florida: 1) Get pre-approved from a credit union before visiting the dealer, 2) Maintain a credit score above 720, 3) Choose shorter loan terms (48-60 months vs 72-84), 4) Shop new vs certified pre-owned for rate differences. How do I get the best auto loan rate in Florida? Yes, credit unions in Florida typically offer 1-3% lower APR than dealer financing. Dealers often mark up rates to earn a commission. Getting pre-approved gives you negotiating power and a rate comparison baseline. Are credit union auto loans better than dealer financing in Florida? For the best auto loan rates in Florida, aim for a credit score of 720 or higher. Scores 680-719 get good rates, 620-679 may face higher rates, and below 620 may need a secured loan or co-signer. What credit score do I need for the best auto loan rates in Florida? ### Auto Loan Rates by State [Alabama](https://rateapi.dev/auto-loan-rates/alabama) [Alaska](https://rateapi.dev/auto-loan-rates/alaska) [Arizona](https://rateapi.dev/auto-loan-rates/arizona) [Arkansas](https://rateapi.dev/auto-loan-rates/arkansas) [California](https://rateapi.dev/auto-loan-rates/california) [Colorado](https://rateapi.dev/auto-loan-rates/colorado) [Connecticut](https://rateapi.dev/auto-loan-rates/connecticut) [Delaware](https://rateapi.dev/auto-loan-rates/delaware) [Florida](https://rateapi.dev/auto-loan-rates/florida) [Georgia](https://rateapi.dev/auto-loan-rates/georgia) [Hawaii](https://rateapi.dev/auto-loan-rates/hawaii) [Idaho](https://rateapi.dev/auto-loan-rates/idaho) [Illinois](https://rateapi.dev/auto-loan-rates/illinois) [Indiana](https://rateapi.dev/auto-loan-rates/indiana) [Iowa](https://rateapi.dev/auto-loan-rates/iowa) [Kansas](https://rateapi.dev/auto-loan-rates/kansas) [Kentucky](https://rateapi.dev/auto-loan-rates/kentucky) [Louisiana](https://rateapi.dev/auto-loan-rates/louisiana) [Maine](https://rateapi.dev/auto-loan-rates/maine) [Maryland](https://rateapi.dev/auto-loan-rates/maryland) [Massachusetts](https://rateapi.dev/auto-loan-rates/massachusetts) [Michigan](https://rateapi.dev/auto-loan-rates/michigan) [Minnesota](https://rateapi.dev/auto-loan-rates/minnesota) [Mississippi](https://rateapi.dev/auto-loan-rates/mississippi) [Missouri](https://rateapi.dev/auto-loan-rates/missouri) [Montana](https://rateapi.dev/auto-loan-rates/montana) [Nebraska](https://rateapi.dev/auto-loan-rates/nebraska) [Nevada](https://rateapi.dev/auto-loan-rates/nevada) [New Hampshire](https://rateapi.dev/auto-loan-rates/new-hampshire) [New Jersey](https://rateapi.dev/auto-loan-rates/new-jersey) [New Mexico](https://rateapi.dev/auto-loan-rates/new-mexico) [New York](https://rateapi.dev/auto-loan-rates/new-york) [North Carolina](https://rateapi.dev/auto-loan-rates/north-carolina) [North Dakota](https://rateapi.dev/auto-loan-rates/north-dakota) [Ohio](https://rateapi.dev/auto-loan-rates/ohio) [Oklahoma](https://rateapi.dev/auto-loan-rates/oklahoma) [Oregon](https://rateapi.dev/auto-loan-rates/oregon) [Pennsylvania](https://rateapi.dev/auto-loan-rates/pennsylvania) [Rhode Island](https://rateapi.dev/auto-loan-rates/rhode-island) [South Carolina](https://rateapi.dev/auto-loan-rates/south-carolina) [South Dakota](https://rateapi.dev/auto-loan-rates/south-dakota) [Tennessee](https://rateapi.dev/auto-loan-rates/tennessee) [Texas](https://rateapi.dev/auto-loan-rates/texas) [Utah](https://rateapi.dev/auto-loan-rates/utah) [Vermont](https://rateapi.dev/auto-loan-rates/vermont) [Virginia](https://rateapi.dev/auto-loan-rates/virginia) [Washington](https://rateapi.dev/auto-loan-rates/washington) [West Virginia](https://rateapi.dev/auto-loan-rates/west-virginia) [Wisconsin](https://rateapi.dev/auto-loan-rates/wisconsin) [Wyoming](https://rateapi.dev/auto-loan-rates/wyoming) [District of Columbia](https://rateapi.dev/auto-loan-rates/district-of-columbia) National context ## National auto loan rate context Zoom out from state-level data to the national picture and our cross-product benchmark. Current Auto Loan Rates → Today's new, used, and refinance auto loan rates across US credit unions. Credit Union Rate Index → The national benchmark tracking credit union rates across every product we cover. Credit Union vs Bank Auto Loan Rates → Live credit union medians against Fed G.19 bank averages, new and used. ## Build With RateAPI Access daily-updated auto loan rate data from 74+ credit unions via our REST API. Perfect for car buying apps, financing tools, and AI agents. Get API Access [View Documentation](https://api.rateapi.dev/) RateAPI RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence. 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[Privacy](https://rateapi.dev/privacy) [Terms](https://rateapi.dev/terms) [llms.txt](https://rateapi.dev/llms.txt) --- Source: https://rateapi.dev/auto-loan-rates/florida Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp