Bank · FDIC insured
Exchange Bank Auto Loan Rates
Exchange Bank auto loans start at 7.45% APR for a new vehicle and 7.91% for a used one. Rates checked October 16, 2026.
How Exchange Bank’s auto loan rates compare
Compared with banks and credit unions near Santa Rosa, CA, where Exchange Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Exchange Bank
7.45%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
New Car Auto Loan
Lowest rate
Community First Credit Union
4.59%APR
- Terms
- 24–60 months
- Up to
- 14.14% APR
- Discount
- None included
2nd-lowest rate
Redwood Credit Union
4.89%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Exchange Bank auto loan score
60
Auto loan score
Higher than 2% of U.S. banks and credit unions
- New vehicleNew7.45%
- Used vehicleUsed7.91%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Exchange Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Car Auto Loan
Current model year (2025-2026) and must have less than 15,000 miles. New cars can be financed up to 110% of JD Power value for purchase, or up to 100% on refinances. Ineligible collateral includes cars with mileage exceeding guidelines, salvage/lemon-law buyback titles, cars >12 years old, motorcycles, scooters/mopeds, commercial use vehicles, and cars not registered/permanently residing in CA. Rates reflect a 0.25% auto-pay discount from an Exchange Bank deposit account; an additional 0.25% discount is available with Premier Plus Checking ($25,000+ balance) or Trust & Investments relationship. $75 documentation fee applies.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.27% | Fixed APR as low as; includes 0.25% auto-pay discount. New car (2025-2026, <15k miles). |
| up to 48 months | 8.02% | Fixed APR as low as; includes 0.25% auto-pay discount. New car (2025-2026, <15k miles). |
| up to 60 months | 7.88% | Fixed APR as low as; includes 0.25% auto-pay discount. New car (2025-2026, <15k miles). |
| up to 36 months | 7.58% | Fixed APR as low as; includes 0.25% auto-pay discount. New car (2025-2026, <15k miles). |
| up to 48 months | 7.50% | Fixed APR as low as; includes 0.25% auto-pay discount. New car (2025-2026, <15k miles). |
| up to 60 months | 7.45% | Fixed APR as low as; includes 0.25% auto-pay discount. New car (2025-2026, <15k miles). |
| up to 72 months | 7.67% | Fixed APR as low as; includes 0.25% auto-pay discount. New car (2025-2026, <15k miles). |
Sources (2)
All captured Oct 6, 2026
Used Car (7 years old or less) Auto Loan
Used cars 7 years old or less (2020-2026) with more than 15,000 miles, but less than 100,000 miles. Financed up to 110% of JD Power value for purchase, or up to 100% on refinances. Ineligible collateral includes cars with mileage exceeding guidelines, salvage/lemon-law buyback titles, cars >12 years old, motorcycles, scooters/mopeds, commercial use vehicles, and cars not registered/permanently residing in CA. Rates reflect a 0.25% auto-pay discount from an Exchange Bank deposit account; an additional 0.25% discount is available with Premier Plus Checking ($25,000+ balance) or Trust & Investments relationship. $75 documentation fee applies.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.52% | Fixed APR as low as; includes 0.25% auto-pay discount. Used car 7 years old or less (2020-2026, 15k-100k miles). |
| up to 48 months | 8.28% | Fixed APR as low as; includes 0.25% auto-pay discount. Used car 7 years old or less (2020-2026, 15k-100k miles). |
| up to 60 months | 7.91% | Fixed APR as low as; includes 0.25% auto-pay discount. Used car 7 years old or less (2020-2026, 15k-100k miles). |
| up to 72 months | 7.92% | Fixed APR as low as; includes 0.25% auto-pay discount. Used car 7 years old or less (2020-2026, 15k-100k miles). |
Sources (2)
All captured Oct 6, 2026
Used Car (8 - 12 years old) Auto Loan
Used cars 8 - 12 years old (2015-2019) with no more than 120,000 miles. Financed up to 80% of JD Power value for purchase. Ineligible collateral includes cars with mileage exceeding guidelines, salvage/lemon-law buyback titles, cars >12 years old, motorcycles, scooters/mopeds, commercial use vehicles, and cars not registered/permanently residing in CA. Rates reflect a 0.25% auto-pay discount from an Exchange Bank deposit account; an additional 0.25% discount is available with Premier Plus Checking ($25,000+ balance) or Trust & Investments relationship. $75 documentation fee applies.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 11.91% | Fixed APR as low as; includes 0.25% auto-pay discount. Used car 8 - 12 years old (2015-2019, <=120k miles). |
| up to 36 months | 11.23% | Fixed APR as low as; includes 0.25% auto-pay discount. Used car 8 - 12 years old (2015-2019, <=120k miles). |
Sources (2)
All captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.