Vehicle Loans in Winter Haven, FL

Searching for the average car finance rate in Winter Haven, FL? Compare loan offers easily to find rates that fit your budget and get you behind the wheel faster. Local lenders understand our community and offer terms made with you in mind.

Winter Haven drivers trust personalized service and competitive rates to make smart car financing decisions. Whether you want a new or used vehicle, comparing your options helps you save money and drive away confident in your choice.

NewUsed

Filters

Lender
APR
Term
Link
Info
communityfirstfl
5.05 - 5.99 %
7 Yrs
edfed
5.09 %
wingsfinancial
5.24 - 5.99 %
3 - 7 Yrs
midflorida
5.39 %
6 Yrs
mccoyfcu
5.4 %
7 Yrs
sccu
5.49 - 6.74 %
4 - 7 Yrs
cafcu
5.99 - 17.75 %
5 Yrs

Today’s Vehicle Loan Rates & Analysis - Updated on 2026-AUG-28

Credit Union Loan Rates - Trends & Analysis:

Community First Credit Union Of Flo has auto loan rates ranging from 5.05% to 7.99% APR, which are up from 7 and 30 days ago. Motorcycle loans have rates between 6.29% and 7.74% APR with no change over the past 7 and 30 days. Recreational loan rates range from 6.39% to 8.99% APR and have also stayed the same during that time. Educational's auto loans with APRs ranging from 5.09% to 5.34% , which is down from 7 and 30 days ago. Motorcycle loans have a fixed APR of 6.15% , and recreational loans range from 6.14% to 8.39% .

Wings Financial's auto loans with APRs ranging from 5.24% to 6.99% , which is unchanged from 7 and 30 days ago but up from 30 days ago. Motorcycle loans have rates between 6.49% and 7.99% , showing no change over the past 7 and 30 days. Recreational loans range from 5.74% to 7.24% , also with no change compared to 7 and 30 days ago. Midflorida's auto loan rates range from 5.39% to 6.89% APR and have not changed in the past 7, 30, 60, or 90 days. Recreational loan rates are between 8.7% and 9.71% APR, with no change in the last 7 days.

Mccoy's auto loan rates range from 5.4% to 5.65% APR, with no change from 7 days ago but up from 30 days ago. Motorcycle loans are between 6.25% and 6.5% APR, showing no change from a week ago. Recreational loan rates range from 7.25% to 8.25% APR and have also stayed the same over the past 7 days. Space Coast has auto loan rates ranging from 5.49% to 6.74% APR and motorcycle loans from 5.74% to 10.5% APR. Both rates show no change compared to 60 and 90 days ago. Recreational loan rates range from 5.74% to 6.24% APR and are also unchanged from 60 days ago.

California Adventist has auto loan rates ranging from 5.99% to 17.75% APR today. The rates cover a wide range depending on the loan details.

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If you’re searching for the average car finance rate in Winter Haven, FL, it’s wise to keep comparing offers from different lenders through LendMesh. Exploring multiple options helps you uncover better deals and potentially lower rates that fit your budget. Taking a little extra time to shop around can make a big difference in your monthly payments and overall loan cost.

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