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 166–180 of 221 in California · median 4.99% APR
- 5.45%APRas low as
Terms
Fixed rate; APR as low as.
Auto loan score 71 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.47%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as, based on FICO score 720 or above. Includes a 0.25% discount for automatic payment transfers and having a checking account.
Auto loan score 70 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 9.74%
5.49% APR, up to 9.74%
Terms
Credit score 750+ for lowest APR; under 5 calendar years.
Auto loan score 73 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 14.49%
5.49% APR, up to 14.49%
Terms
Estimated payment per $1,000 is $19.10 - $23.53.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 15.09%
5.49% APR, up to 15.09%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 73 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Year 2026-2027. Lowest rate quoted; rate varies based on creditworthiness, age or value of the vehicle, amount financed, and terms and conditions. Payment example: $16.33 per month for each $1,000 borrowed at 5.49% APR for 72 months. Minimum loan $20,000.
Auto loan score 70 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model years 2026 & Newer. Maximum financing up to 130% of Dealer Invoice or Wholesale Value.
Auto loan score 70 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Payment per $1,000 is $19.10. As low as rate shown.
Auto loan score 70 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 19.00%
5.49% APR, up to 19.00%
Terms
Minimum loan amount is $5,000 (exceptions possible for < $5,000).
Auto loan score 70 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
New auto (current model year or prior model year with less than 10,000 miles). Financing up to 120% of invoice. $15,000 minimum loan amount. Payment per $1,000: $17.59. FICO Score determines maximum amount, term, and interest rate.
Auto loan score 70 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 14.24%
5.49% APR, up to 14.24%
Auto loan score 70 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Minimum loan amount $15,000. Rates and terms dependent on creditworthiness.
Auto loan score 70 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With qualifying Direct Deposit (at least $1,000/mo) and Auto Pay discount. Applicable to new and used vehicles.
Auto loan score 69 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum 5 years to repay. Minimum amount financed $10,000. Rate includes discounts.
Auto loan score 69 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
For qualified borrowers only. Subject to credit approval.
Auto loan score 69 · Carrot Score 99
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