Auto Loans · Pensacola, Florida
5 credit unions in Pensacola report car loan rates to the NCUA. Rates range from 4.99% to 5.99%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
4.99%
Lowest New Car Rate
5.56%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | PENAIR ★ 4.7 · 84 reviews | 4.99% | 5.74% |
| 2 | MY PENSACOLA ★ 4.0 · 45 reviews | 5.34% | 5.93% |
| 3 | LOYALTY ★ 4.0 · 43 reviews | 5.47% | 5.97% |
| 4 | GULF WINDS ★ 4.0 · 30 reviews | 5.99% | 6.99% |
| 5 | MEMBERS FIRST CREDIT UNION OF FLORI ★ 4.9 · 552 reviews | 5.99% | 6.79% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | PENAIR ★ 4.7 · 84 reviews | 5.74% | 4.99% |
| 2 | MY PENSACOLA ★ 4.0 · 45 reviews | 5.93% | 5.34% |
| 3 | LOYALTY ★ 4.0 · 43 reviews | 5.97% | 5.47% |
| 4 | MEMBERS FIRST CREDIT UNION OF FLORI ★ 4.9 · 552 reviews | 6.79% | 5.99% |
| 5 | GULF WINDS ★ 4.0 · 30 reviews | 6.99% | 5.99% |
A pre-approval from a Pensacola credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Pensacola in the same window and take the best offer.
See member reviews, branch locations, and full rate details.