Compare Auto Loan Rates
in Florida
Compare auto loan rates from Florida-licensed lenders near you. Borrow $2,000–$75,000 with competitive APRs, funded as fast as same day.
Auto loans available statewide in Florida
Offers come from banks, credit unions, and dealer-network lenders licensed in Florida. Title transfer, registration, and sales-tax handling follow Florida DMV requirements. APR and fee disclosures are governed by the federal Truth in Lending Act.
Availability shown for Florida. Information is educational, not legal advice. Terms and eligibility vary by lender and applicant profile.
Compare Auto Loan Rates in Florida
Side-by-side rates, amounts and terms from our lending partners. Checking offers takes about two minutes.
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1-2 DaysAbout auto loan rates in Florida
Florida residents can compare auto loan rates from $2,000 – $75,000 in a side-by-side list you can filter and sort. Kreditify only shows offers from lenders that hold the licenses required to originate in Florida, and we prioritize lenders that publish full APRs, fees, and repayment terms before you commit — a fit for self-employed borrowers with variable income.
All auto loan rates offers in Florida come from lenders regulated by the Florida Office of Financial Regulation (OFR). Kreditify never funds loans directly — we list lenders who make their own credit decisions, disclose their own APR, and service the loan under Florida law.
Popular auto loan rates markets in Florida: Miami · Orlando · Tampa · Jacksonville · Fort Lauderdale · Naples.
How car loan rates work in Florida
Florida has one of the largest used-car markets in the country, and rates here reflect that mix: used-vehicle APRs sit above new, and vehicles over six years old drop out of the longest-term programs. Your credit tier still moves the number most, with a wide spread between the 720+ tier and the sub-640 tier on identical vehicles.
Two Florida specifics affect the total: dealer documentary fees, which are not capped statewide and can add hundreds to the amount financed, and higher comprehensive insurance premiums in coastal counties, which lenders factor into affordability. Pre-qualifying with a soft pull before you shop keeps both from being absorbed silently into the payment.
- Term range
- 36–84 months depending on vehicle age
- Dealer doc fee
- Not capped in Florida — negotiate it
- Refinance
- Available after 6 months of payment history
- Pre-qualification
- Soft pull, no score impact
What is a good car loan rate in Florida?
It depends on your credit tier and whether the car is new or used — the practical test is beating the best of three same-day quotes. Florida credit unions are often strongest on used vehicles.
Can I refinance a Florida car loan?
Yes, typically after about six months of payment history. Refinancing works best when your credit has improved or the original loan came from dealer financing at a marked-up rate.
Do dealer fees affect my loan in Florida?
They do. Florida does not cap dealer documentary fees, and anything you finance rather than pay upfront accrues interest for the life of the loan.
How Sarah from Florida Saved Money
Before
APR
After
APR
Total savings over loan term
"I was paying almost 19% on my credit cards. Kreditify helped me consolidate everything into one low-rate loan. The process took less than a week from application to funding!"
Sarah
Florida
Frequently Asked Questions
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