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Pick your county above for the exact local rate, or type it in the local box.
Tax is applied to the price minus any allowed trade-in credit; whether doc fees, rebates and add-ons are taxable varies by state and isn't modeled. Assumes the trade-in has no loan balance.
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For financing $11,599 on a new car over 60 months in Florida, from each lender's own published rates and terms. These are matches, not a recommendation. Rates shown are advertised 'as low as' rates, not quotes.
Advertised new-car APR as low as 4.44% (rate for terms up to 60 months), Rates current as of October 1, 2026. PenFed membership required (created during the application). Up to 125% financing available in the U.S., Puerto Rico and Virgin Islands.
Downside: Its lowest advertised rates need the PenFed Car Buying Service (TrueCar dealers), and PenFed can't refinance an existing PenFed auto loan.
CFPB complaints about PenFed Credit Union (all products, last 12 months): 875. Complaint record.
Advertised new-car APR as low as 4.99% (rate for terms up to 60 months), Rates effective October 12, 2026. Consumers Credit Union membership required.
Downside: No lease buyouts or private-party purchases, and older used cars cost more (2019-and-older models from 8.99%).
Advertised new-car APR as low as 4.99% (rate for terms up to 65 months), Rates are effective October 13, 2026. DCU membership required.
Downside: Advertised rates include a 0.50% discount that needs $500+ a month of direct deposit and electronic payments; without it, rates are higher.
Advertised new-car APR as low as 5.24% (its published 60-month rate), as of Oct. 13, 2026. Rates are shown by state on the lender's page; we captured the page's default view.
Downside: The advertised rate includes a limited-time 0.25% cut that ends Oct 19, 2026, only 60-month rates are published, and it no longer refinances.
CFPB complaints about Bank of America (incl. Merrill) (all products, last 12 months): 23,829. Complaint record.
Advertised new-car APR as low as 4.29% (rate for terms up to 60 months), Rates as of Oct 13, 2026 ET. Membership limited to the military, veterans, DoD and their families.
Downside: Only military members, veterans, DoD employees and their families can join.
CFPB complaints about Navy Federal Credit Union (all products, last 12 months): 10,427. Complaint record.
Ranked only by our public score, never by payment: no lender pays to be listed or to rank higher, and we earn nothing if you click. We're not a lender or broker, and this isn't a recommendation or an offer of credit. Nothing you type here is collected, stored or shared; the numbers stay in this page's address.
A lender is shown only if, on its own website, it publishes an auto loan for a new car with an advertised rate for a 60-month term (or longer), doesn't exclude Florida, and its published minimum and maximum loan amounts allow $11,599. Score (0–100) = average of three 0–10 measures from the lender's published facts: advertised 'as low as' APR for your term (4% → 10, 14% → 0), longest published term (36 months → 0, 96 → 10), and who can apply (anyone 10, membership required 6, military-only 2). A measure the lender doesn't publish is scored the lower of 5 and the median of the others, so missing facts never help. Advertised rates are for top credit and are not quotes; your rate depends on your credit, the car and the term. CFPB complaint counts are shown for context and don't change the score. We read 9 lenders' own pages on 2026-10-13; see every lender, source and what we couldn't verify.
Florida car loan, at a glance: state vehicle tax 6% (Vehicle purchases taxed at the state general sales tax rate; local taxes may add.) A $35,000 car with $5,000 down over 60 months at 7.54% APR is about $658/mo, financing $32,799 incl. $2,100 tax and the $699 doc fee.
Base sales tax: Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026. APR: Federal Reserve G.19, 60-month new car loan rate at commercial banks (FRED RIFLPBCIANM60NM), August 2026.
Florida mortgage calculator → · Florida car sales tax calculator · All states
6% at the state level. Vehicle purchases taxed at the state general sales tax rate; local taxes may add. Statewide general sales tax: 6% (Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026).
Yes. Florida generally taxes the price minus your trade-in value. (Best-effort; verify with the state DMV or revenue department.)
Yes. Florida's 6% state tax applies to the full taxable price; the county discretionary surtax applies only to the first $5,000 (so at most $50 per 1%). The calculator fills the exact rate when you pick your county (Florida DOR Form DR-15DSS, Discretionary Sales Surtax Information for Calendar Year 2026, January 1, 2026 (calendar-year 2026 rates)). Verify with your county clerk.
No cap; Florida requires the fee to be disclosed on the price. This calculator defaults to $699, editable.
With $5,000 down, no trade-in, the $699 doc fee, 6% state tax and 7.54% APR for 60 months, about $658 a month ($6,672 total interest). Local taxes and registration add to this.
No. These are estimates, not financial advice.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.