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 211–221 of 221 in California · median 4.99% APR
- 6.49%APRas low as · up to 21.99%
6.49% APR, up to 21.99%
Terms
Fixed rate; repayment term 66 months; minimum loan amount $10,000; estimated payment per $1,000 borrowed: $18.06 – $26.24.
Auto loan score 63 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 6.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For 60 months. Reflects 0.25% discount for new members or members using auto pay from an AdelFi Checking Account. Monthly payment for $10,000 for 60 months at 6.49% APR is $196.10. Rate based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage. Rate increases to base rate for credit scores below 700: add 0.50% for every 5% above Base LTV limit (subject to OTD LTV limits, max 10% above base LTV); add 0.50% if vehicle is over 100K miles; add 0.50% if model year is 10 years.
Auto loan score 61 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 6.50%APRas low as
Terms
Experian FICO Score 725 & above. Max loan amount $100,000. Terms up to 84 months. Subject to credit approval.
Auto loan score 62 · 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 - 7.00%APRas low as · up to 18.00%
7.00% APR, up to 18.00%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 7.25%APRas low as · up to 13.25%
7.25% APR, up to 13.25%
Auto loan score 61 · Carrot Score 89
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 - 7.49%APRas low as · up to 8.49%
7.49% APR, up to 8.49%
Auto loan score 61 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 7.99%APRas low as · up to 18.00%with conditions
7.99% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate displayed reflects max 1.50% discount. Estimated payment $20.27 to $25.39 per $1,000 borrowed based on a 60-month term.
Auto loan score 60 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 7.99%APRas low as
Terms
New Auto and Truck financing.
Auto loan score 60 · Carrot Score 82
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 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