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 16–30 of 222 in California · median 4.99% APR
- 4.09%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.90% APR auto payment discount.
Auto loan score 88 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.20%APRas low as · up to 18.00%
4.20% APR, up to 18.00%
Terms
Up to 135% financing; must have 7,500 miles or fewer; 2024 & newer; maximum term 84 months
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as · up to 15.99%with conditions
4.24% APR, up to 15.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. Maximum terms vary based on collateral and loan amount.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% automatic payment discount. Estimated monthly payment: $18.53 per $1,000 borrowed.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay).
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Newer Auto Loans. Includes 1.25% APR discount.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Discounted rate includes discounts for purchasing a new vehicle from auto buying service New Cars Inc. (NCI) and financing with Wheelhouse Credit Union (0.50% discount), purchasing any two (2) ancillary products (0.25% discount), and setting up automatic loan payments from an Inspired Checking Account (0.25% discount).
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Credit score 730+; Maximum LTV 110%
Auto loan score 92 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Monthly payment per $1,000 borrowed is $18.53. Up to 90% financing without payroll deduction or file transfer, up to 100% with payroll deduction or file transfer.
Auto loan score 90 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Terms
Risk Grade A+, Model Year 2025 to 2027
Auto loan score 91 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Terms
Special rate applies to eligible new auto loans funded between September 1, 2026 and October 31, 2026; terms up to 60 months; up to $150,000 financing.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.48%APRas low as
Auto loan score 85 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
49 to 60 months.
Auto loan score 89 · Carrot Score 94
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
222 banks and credit unions · checked Oct 16–22
- 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