Compare Bank & Credit Union Rates
Best auto loan rates in California
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 151–165 of 221 in California · median 4.99% APR
- 5.25%APRas low as
Terms
80% Financing. Base Rate. 1% premium added for 96-month term (min loan amount $41,000). Example payment per $1,000 borrowed at 5.25% APR for 60 months = $18.99.
Auto loan score 73 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - Ukrainian Federal Credit UnionNew Auto Loan (vehicle year 2025 - 2026) · up to 60 months
Credit union · 2 branches
5.25%APRas low as · up to 6.25%with conditions5.25% APR, up to 6.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 5 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit.
Auto loan score 73 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 72 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rate as low as 5.25% APR. Financing up to 100% of purchase price. Terms range from 36 to 84 months. Discount of 0.25% available for 20% cash down. Rate based on creditworthiness and term of loan.
Auto loan score 72 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
First Time Buyer add 3.00% to highest rate in range for term
Auto loan score 71 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
New Auto Fixed Rate. New vehicles are Current or Prior Year Model; 12K Miles or less.
Auto loan score 71 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Terms
APR as low as 5.29% for New & Used autos. 100% financing up to 7 years on new autos, and up to 100% financing of Retail Blue Book value for up to 6 years for used autos.
Auto loan score 76 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as · up to 16.04%
5.29% APR, up to 16.04%
Terms
Model years 2025-2026
Auto loan score 75 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Terms
New auto (model year must be previous model year or newer, with 36,000 miles or less). Fixed rate.
Auto loan score 73 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.30%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum loan amount up to 125% of Dealer MSRP or Retail Kelly Bluebook. Rates include 0.25% discount with automatic payment from a BluPeak checking account.
Auto loan score 72 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.30%APRas low as · up to 13.60%
5.30% APR, up to 13.60%
Terms
New Auto loans up to $100,000. Terms up to 60 months. Stated rates do not include 1% Off Discount Promo. Actual APR offered depends on credit rating and other underwriting factors.
Auto loan score 71 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.35%APRas low as
Terms
Minimum loan amount $7,500.
Auto loan score 73 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Payment example per $1,000 borrowed: $19.09.
Auto loan score 72 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Rates as low as stated APR.
Auto loan score 71 · Carrot Score 71
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 California
221 banks and credit unions · checked Oct 16–23
- Typical
- 4.99%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
California
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches