1
Editor's pick
Reviewed today
Compares 100+ insurers in a single 60-second form. Surfaces every discount you qualify for, with email-first contact (no phone spam by default).
Free · Soft pull · No obligation
Auto loans · Miami, FL
Auto loans in Miami.
Miami sits inside Florida's 7.9% avg APR market (0.6 pts above the 7.3% national average). Miami credit unions (Tropical FCU, Dade County FCU) compete well, but the average APR for Florida buyers leans above national due to higher charge-off rates.
7.9%
Florida avg APR
↑ 0.6 pts above national avg (7.3%)
60-mo new-car loan, 720+ FICO. Experian Q4 2025.
6%
Florida sales tax
Florida base 6%; county discretionary surtaxes add 0.5–2.5%.
Why Miami differs
Miami credit unions (Tropical FCU, Dade County FCU) compete well, but the average APR for Florida buyers leans above national due to higher charge-off rates.
Best auto lenders for Miami
Any lender licensed in Florida can originate auto loans for Miami residents — ranked by published APR for prime borrowers.
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
Rates as of Jun 1, 2026
Today's rates
Comparing 25 lenders· Rates verified Jun 1
Data last reviewed . Source: CarSavr editorial methodology.
Free to compare · No obligationHow we score
| Carrier | Best for | Why we picked it | Rated | |
|---|---|---|---|---|
1 | Compare 100+ insurers | Compares 100+ insurers in a single 60-second form. Surfaces every discount you qualify for, with email-first contact (no phone spam by default). | Reviewed today | Free · Soft pull · No obligation NewStack 2–4 lenders side-by-side to compare APR, terms, and scores at once. |
2 Endurance | Best overall coverage | Industry's deepest coverage tiers — including a powertrain-only plan that's the cheapest direct option. 30-day money-back guarantee + 24/7 claims line. Higher upfront cost but the broadest mileage caps (up to 200K miles). | Reviewed today | Free · Soft pull · No obligation |
3 AutoPay | Best refi marketplace | Most flexible refi marketplace — quotes from 20+ lenders, covers subprime to prime, with terms up to 96 months. Highest savings potential when refinancing dealer financing. | Reviewed today | Free · Soft pull · No obligation |
LightStream | Best for excellent credit | Lowest published APRs in the market for borrowers with 700+ FICO. Same-day funding and zero fees, but no co-signer option and a strict credit floor. | Reviewed today | Free · Soft pull · No obligation |
CarShield | Most affordable plans | Lowest monthly payment plans in the category — driven by month-to-month financing options no other major provider offers. Coverage limits are tighter than Endurance, but the total cost of ownership is friendliest for older vehicles. | Reviewed today | Free · Soft pull · No obligation |
 | Best multi-quote tool | Largest carrier network in the marketplace category — including regional and non-standard insurers competitors miss. Phone follow-up is opt-in but more aggressive than The Zebra. | Reviewed today | Free · Soft pull · No obligation |
Caribou | Best for subprime refi | Pure refi specialist with one of the lowest subprime floors (580 FICO). Bundled GAP and warranty offers help drivers consolidate add-ons into the new loan. | Reviewed today | Free · Soft pull · No obligation |
AutoPay | Best marketplace | Marketplace pulls offers from 20+ lenders with a single soft credit pull. Best for borrowers shopping multiple credit bands without the rate-shopping window risk. | Reviewed today | Free · Soft pull · No obligation |
Carputty | Soft-pull · subprime-friendly · luxury ceiling | Soft-pull refi specialist with a 580 FICO floor and one of the highest loan ceilings in the market ($250k) — useful for luxury / exotic vehicle refis the major marketplaces won't touch. Sub-2-minute pre-qual flow is genuinely fastest in the category. | Reviewed today | Free · Soft pull · No obligation |
Olive | Online-only · No phone sales | Fully digital sign-up with no phone sales pressure — quote, sign, pay online in under 5 minutes. Mileage cap maxes at 140K miles, so best for newer vehicles. Transparent pricing without the 'call for a custom quote' games. | Reviewed today | Free · Soft pull · No obligation |
2
Endurance
Best overall coverage
Reviewed today
Industry's deepest coverage tiers — including a powertrain-only plan that's the cheapest direct option. 30-day money-back guarantee + 24/7 claims line. Higher upfront cost but the broadest mileage caps (up to 200K miles).
Free · Soft pull · No obligation
3
AutoPay
Best refi marketplace
Reviewed today
Most flexible refi marketplace — quotes from 20+ lenders, covers subprime to prime, with terms up to 96 months. Highest savings potential when refinancing dealer financing.
Free · Soft pull · No obligation
LightStream
Best for excellent credit
Reviewed today
Lowest published APRs in the market for borrowers with 700+ FICO. Same-day funding and zero fees, but no co-signer option and a strict credit floor.
Free · Soft pull · No obligation
CarShield
Most affordable plans
Reviewed today
Lowest monthly payment plans in the category — driven by month-to-month financing options no other major provider offers. Coverage limits are tighter than Endurance, but the total cost of ownership is friendliest for older vehicles.
Free · Soft pull · No obligation
Best multi-quote tool
Reviewed today
Largest carrier network in the marketplace category — including regional and non-standard insurers competitors miss. Phone follow-up is opt-in but more aggressive than The Zebra.
Free · Soft pull · No obligation
Caribou
Best for subprime refi
Reviewed today
Pure refi specialist with one of the lowest subprime floors (580 FICO). Bundled GAP and warranty offers help drivers consolidate add-ons into the new loan.
Free · Soft pull · No obligation
AutoPay
Best marketplace
Reviewed today
Marketplace pulls offers from 20+ lenders with a single soft credit pull. Best for borrowers shopping multiple credit bands without the rate-shopping window risk.
Free · Soft pull · No obligation
Carputty
Soft-pull · subprime-friendly · luxury ceiling
Reviewed today
Soft-pull refi specialist with a 580 FICO floor and one of the highest loan ceilings in the market ($250k) — useful for luxury / exotic vehicle refis the major marketplaces won't touch. Sub-2-minute pre-qual flow is genuinely fastest in the category.
Free · Soft pull · No obligation
Olive
Online-only · No phone sales
Reviewed today
Fully digital sign-up with no phone sales pressure — quote, sign, pay online in under 5 minutes. Mileage cap maxes at 140K miles, so best for newer vehicles. Transparent pricing without the 'call for a custom quote' games.
Free · Soft pull · No obligation
Premium data: 2024 national-average annual premiums published by Quadrant Information Services from state-DOI rate filings. Sample driver: 35-year-old · clean driving record · $100/$300/$100 full coverage · $1,000 deductible · median ZIP code. Your actual quote will vary based on age, ZIP, driving record, vehicle, credit, and coverage selections. CarSavr may earn a commission when you buy a policy through our links — it never affects how we rank carriers.
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How rows are ranked: Editor's pick first, then by overall rating. Promoted placements are flagged with a Sponsored badge. Read the full methodology →