Compare Bank & Credit Union Rates
Best auto loan rates in Roseville, 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 Roseville, CA · median 5.09% APR
- 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit.
Auto loan score 89 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low as · up to 18.00%with conditions
4.59% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles. Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $1.87 - $2.54.
Auto loan score 72 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Promotional Relationship Discount Rate (lowest available APR 4.69%). Must be an existing member for at least 30 days and apply for a new SAFE vehicle loan within 60 days of paying off an existing SAFE vehicle loan. Terms up to 84 months.
Auto loan score 88 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Limit: $10,000 or Over. Published rate includes a 0.50% APR relationship pricing discount. Rates tailored to credit score; best rate for Tier A (710+). Applicable to new and used vehicles (2006 or newer).
Auto loan score 81 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - First Tech Federal Credit UnionNew Auto Loan - 2025 and Newer Models · up to 65 months
Credit union · 1 branch
4.99%APRas low asTerms
Rate as low as 4.99% APR for 65 months term with loan amount $1,000 to $300,000.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as rate based on Titanium credit tier and 80% or better LTV. APR may vary depending on amount financed, term, credit history, and loan fees. Financing up to 125% of MSRP (includes tax, license and MRC) + GAP. An additional 0.25% discount may be available when automatic loan payments are set up from a Sierra Central Checking account within 60 days of funding. Payment example: Estimated APR of 7.24% on $35,000 for 60 months = $700.00/mo.
Auto loan score 83 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as · up to 17.99%
5.19% APR, up to 17.99%
Terms
No minimum loan amount specified.
Auto loan score 77 · Carrot Score 82
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 - 7.45%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR as low as; includes 0.25% auto-pay discount. New car (2025-2026, <15k miles).
Auto loan score 60 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 8.53%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR starting at 8.53%. Advertised APR includes a 0.50% automatic payment discount from a Columbia Bank account. Loan of up to 100% of invoice amount. Terms between 2 to 7 years based on loan amount and collateral. Fixed interest rate. Collateral: a new auto can be a current model year, immediate past model year or future model year not previously titled. Higher rates may apply based on terms of loan and credit score/history.
Auto loan score 60 · Carrot Score 72
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 Roseville, CA
12 banks and credit unions · checked Oct 16–22
- Typical
- 5.09%
- Top 10% up to
- 4.60%
- Banks, typical
- 6.39%
- Credit unions, typical
- 4.79%
How does your bank’s rate compare?
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Sacramento, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Travis Credit UnionCredit union · 2 branches
- Firefighters First Credit UnionCredit union · 1 branch
- First BankBank · 3 branches