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 196–210 of 221 in California · median 4.99% APR
- 5.84%APRas low as
Auto loan score 65 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.85%APRas low as · up to 17.65%
5.85% APR, up to 17.65%
Terms
Model year 2025-2026
Auto loan score 68 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - Tulare County Federal Credit UnionNew Autos (2023 and newer) · up to 60 months
Credit union · 5 branches
5.87%APRas low as · up to 18.00%with conditions5.87% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Estimated monthly payment of $19.28 per $1,000 based on as low as rate.
Auto loan score 65 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.88%APRas low as
Terms
Quoted APR is for excellent credit; actual payment is $19.27 per $1,000 balance.
Auto loan score 68 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - Sheet Metal Workers Local 104 Federal Credit UnionNew and Used Auto Loans · 37–60 months
Credit union · 1 branch
5.99%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate is as low as; includes 0.25% relationship discount for members who have current or past loans with SMW 104 FCU.
Auto loan score 66 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
For loan terms of 72 months or less, minimum amount financed is $10,000.
Auto loan score 66 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 7.49%
5.99% APR, up to 7.49%
Terms
Financing 80% to 100%. 1% discount for FICO scores above 730; 1% off for Hybrid/Electric Vehicles (floor limit 4.49%).
Auto loan score 63 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 6.09%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR for new vehicles model years 2026 and newer with maximum term of 60 months. Includes waiver of $250 origination fee requiring an active UMB Select Checking account. No down payment required.
Auto loan score 63 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 6.11%APRas low as · up to 15.31%
6.11% APR, up to 15.31%
Terms
90% or less LTV
Auto loan score 65 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 6.14%APRas low as · up to 19.14%with conditions
6.14% APR, up to 19.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.50% discount for automatic payment transfer from an AFCU account. Additional 0.25% discount available for 80% financing.
Auto loan score 64 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 6.15%APRas low as
Terms
Loan amount $10,000+. Term up to 60 months.
Auto loan score 63 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
As low as rate on approved credit without underwriting exceptions; estimated payment of $19 per $1,000.
Auto loan score 65 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - L.A. Electrical Workers Credit UnionDIRECT New & Used Auto Loans · up to 60 months
Credit union · 2 branches
6.24%APRas low asTerms
FICO 720+; Up to 120% LTV
Auto loan score 65 · Carrot Score 60
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 65
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