Credit union · NCUA insured
Financial Partners Credit Union Auto Loan Rates
Top CarrotFinancial Partners Credit Union auto loans start at 4.89% APR for a new vehicle and 5.39% for a used one. Rates checked October 16, 2026.
How Financial Partners Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Financial Partners Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Financial Partners Credit Union
4.89%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Autos
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Financial Partners Credit Union auto loan score
71
Auto loan score
Higher than 28% of U.S. banks and credit unions
- New vehicleNew4.89%
- Used vehicleUsed5.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Financial Partners Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Autos
Rates shown are for highly qualified borrowers; rate received may be different based on credit history. Direct purchases or refinances only. Rate shown includes a 0.50% APR discount for members who maintain a qualifying checking account and receive recurring monthly direct deposits totaling at least $1,000. Members with a loan-to-value (LTV) ratio of 90% or less may qualify for a 0.25% APR discount (excluding warranty & GAP), but rate will not be lower than 4.89% APR. Discounts cannot be combined; maximum available discount is 0.50% APR. FPCU membership required. No application fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.89% | Rate as low as 4.89% APR includes a 0.50% APR discount for members who maintain a qualifying checking account and receive recurring monthly direct deposits totaling at least $1,000 (or a 0.25% discount for LTV <=90%). Up to 60 months term. |
| 61–72 months | 5.39% | Minimum loan amount $10,000. Rate as low as 5.39% APR includes a 0.50% APR discount for members who maintain a qualifying checking account and receive recurring monthly direct deposits totaling at least $1,000 (or a 0.25% discount for LTV <=90%). |
| up to 84 months | 6.39% | Minimum loan amount $20,000. Rate as low as 6.39% APR includes a 0.50% APR discount for members who maintain a qualifying checking account and receive recurring monthly direct deposits totaling at least $1,000 (or a 0.25% discount for LTV <=90%). |
Sources (2)
All captured Oct 16, 2026
Used Autos
Based on a used vehicle 10 model years or newer with 125,000 miles or less. Rates shown are for highly qualified borrowers; rate received may be different based on credit history. Direct purchases or refinances only. Rate shown includes a 0.50% APR discount for members who maintain a qualifying checking account and receive recurring monthly direct deposits totaling at least $1,000. Members with a loan-to-value (LTV) ratio of 90% or less may qualify for a 0.25% APR discount (excluding warranty & GAP). Discounts cannot be combined; maximum available discount is 0.50% APR. FPCU membership required. No application fees or prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.39% | Rate as low as 5.39% APR includes a 0.50% APR discount for members who maintain a qualifying checking account and receive recurring monthly direct deposits totaling at least $1,000 (or a 0.25% discount for LTV <=90%). Up to 60 months term. |
| 61–72 months | 5.89% | Minimum loan amount $10,000. Rate as low as 5.89% APR includes a 0.50% APR discount for members who maintain a qualifying checking account and receive recurring monthly direct deposits totaling at least $1,000 (or a 0.25% discount for LTV <=90%). |
| 73–84 months | 6.89% | Minimum loan amount $20,000. Rate as low as 6.89% APR includes a 0.50% APR discount for members who maintain a qualifying checking account and receive recurring monthly direct deposits totaling at least $1,000 (or a 0.25% discount for LTV <=90%). |
Sources (2)
All captured Oct 16, 2026
Who can join Financial Partners Credit Union
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