Compare Bank & Credit Union Rates
Best auto loan rates in El Cajon, CA
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–12 of 12 in El Cajon, CA · median 4.94% APR
- 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Discounted rate includes discounts for purchasing a new vehicle from auto buying service New Cars Inc. (NCI) and financing with Wheelhouse Credit Union (0.50% discount), purchasing any two (2) ancillary products (0.25% discount), and setting up automatic loan payments from an Inspired Checking Account (0.25% discount).
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.50% New Cars Inc. discount. Finance amount $10,000 and up. Maximum term 60 months.
Auto loan score 85 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - California Coast Credit UnionAuto Loans - Model Years 2022 and Newer · 49–66 months
Credit union · 1 branch
4.68%APRas low asTerms
Model years 2022 and newer. As low as rate for well-qualified borrowers. Estimated monthly payment is $17.21 per $1,000 borrowed for 66 months. Fixed rate type.
Auto loan score 88 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 18.00%
4.74% APR, up to 18.00%
Terms
Vehicles 2016 or newer.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
As low as APR for terms up to 66 months. Fixed APR on New Autos. 66 monthly payments of $17.35 per $1,000 borrowed at 4.89%. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract).
Auto loan score 82 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year 2022 and newer; term 49 - 66 months; estimated monthly payment $17.37 per $1,000 at 66 months.
Auto loan score 77 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 5.59% APR for terms up to 60 months for 2022 or newer electric or plug-in hybrid vehicles. Includes 0.25% green loan discount.
Auto loan score 66 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.53%APRas low as · up to 12.70%
6.53% APR, up to 12.70%
Terms
Term Minimum APR 6.53% (rate 6.44%) based on $35,000 loan amount, 60-month term, new vehicle, and excellent credit. Term Maximum APR 12.70% (rate 10.59%) based on $2,500 loan amount, 36-month term, new vehicle, and lowest acceptable credit score. 0.50% autopay discount from Zions Bank Gold Account available. $75 loan fee applies.
Auto loan score 63 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in El Cajon, CA
12 banks and credit unions · checked Oct 15–22
- Typical
- 4.94%
- Top 10% up to
- 4.31%
- Banks, typical
- 6.32%
- Credit unions, typical
- 4.71%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
San Diego, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Home Bank of CaliforniaBank · 1 branch
- First BankBank · 3 branches