1Editor's pick
AutoPay
Reviewed today
- APR
- 4.99–17.99%
- Min. credit
- 560+
- Loan amount
- $5K–$100K
- Term
- 24–96 mo
Refinance · Miami, FL
Refinance an auto loan in Miami.
Florida's average auto refi APR sits at 7.9% — typical $22,000 loan refinanced from the 9.2% pre-refi median saves about $14/mo over the remaining 48 months. Florida refi rates run above the national average. Suncoast CU and Tropical FCU are the most competitive local sources; expect 0.5–0.7 points below the Florida state refi avg for prime borrowers.
Reviewed by CarSavr Editorial TeamEditorial standards
Florida avg refi APR
7.9%
60-month new-car refi · 720+ FICO · Experian Q4 2025
Est. monthly savings
$14
Typical $22,000 balance · 48mo remaining · 9.2% → 7.9%
Lifetime savings
$648
Over the remaining 48 months
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 13, 2026
Today's refinance offers for Miami drivers
Compare APR + funding speed across vetted refi lenders. Miami residents can apply to any refi lender licensed in Florida.
Comparing 12 lenders· Rates verified Jun 13
Data last reviewed . Source: CarSavr editorial methodology.
Compare refi lenders side-by-side
Multiple refi quotes — one application
Soft pull · No obligation · Better than your current loan or skip
| Lender | Loan amount | Term | ||||
|---|---|---|---|---|---|---|
1 AutoPay | 4.99–17.99% Total int. ~$3,300 · $25k · 60mo | 560+ | $5K–$100K | 24–96 mo | Reviewed today | NewStack 2–4 lenders side-by-side to compare APR, terms, and scores at once. |
2 Caribou Best for subprime refi | 5.49–17.99% Total int. ~$3,645 · $25k · 60mo | 580+ | $8K–$80K | 24–84 mo | Reviewed today | |
3 Carputty Soft-pull · subprime-friendly · luxury ceiling | 5.49–19.99% Total int. ~$3,645 · $25k · 60mo | 580+ | $8K–$250K | 24–96 mo | Reviewed today | |
 Best for prime refi | 6.49–13.74% Total int. ~$4,342 · $25k · 60mo | 660+ | $5K–$100K | 24–84 mo | Reviewed today | |
 150+ partner lenders · 25 years in market | 5.39–17.99% Total int. ~$3,576 · $25k · 60mo | 580+ | $10K–$100K | 12–72 mo | Reviewed today | |
 Best credit union refi | 5.24–17.99% Total int. ~$3,472 · $25k · 60mo | 610+ | $500–$150K | 36–84 mo | Reviewed today |
2
Caribou
Reviewed today
- APR
- 5.49–17.99%
- Min. credit
- 580+
- Loan amount
- $8K–$80K
- Term
- 24–84 mo
3
Carputty
Reviewed today
- APR
- 5.49–19.99%
- Min. credit
- 580+
- Loan amount
- $8K–$250K
- Term
- 24–96 mo
Reviewed today
- APR
- 6.49–13.74%
- Min. credit
- 660+
- Loan amount
- $5K–$100K
- Term
- 24–84 mo
Reviewed today
- APR
- 5.39–17.99%
- Min. credit
- 580+
- Loan amount
- $10K–$100K
- Term
- 12–72 mo
Reviewed today
- APR
- 5.24–17.99%
- Min. credit
- 610+
- Loan amount
- $500–$150K
- Term
- 36–84 mo
APR ranges are sourced from each lender's public site and are updated regularly. Your actual rate depends on credit history, loan amount, vehicle, and state. CarSavr may earn a commission when you apply through our links — it never affects how we rank lenders.
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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 →
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