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 31–45 of 222 in California · median 4.99% APR
- 4.49%APRas low as
Terms
APR as low as 4.49%
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit.
Auto loan score 89 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate for best credit. Non-variable, up to 84 months. Includes 0.25% discount for automatic loan payment. Stated 48-month term shown in table.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Rate as low as. Rate based on creditworthiness and term of loan.
Auto loan score 89 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 4.99%with conditions
4.49% APR, up to 4.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate stated as 4.99% / 4.49%**. Special rates reflect a 0.50% discount for direct deposit into Upward CU checking or ACH automatic payments originated by Upward CU. Rates displayed are for level 1 credit scores.
Auto loan score 89 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies.
Auto loan score 88 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 17.99%
4.49% APR, up to 17.99%
Terms
Rate based on creditworthiness and term of loan. Rate match refinance option available.
Auto loan score 88 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - Central State Credit UnionNew Vehicle Loan: Model Year 2026 · up to 84 months
Credit union · 4 branches
4.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Terms up to 84 months. Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade and Warranty. To qualify for this rate, borrowers need 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less. Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).
Auto loan score 88 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Estimated payment of $18.65 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Posted rate includes discounts of 0.50% for financing 100% LTV or less, 0.25% for automatic payment, and 0.25% for net direct deposit. Advertised rate based on Premier FICO score of 750+. Monthly payment is $18.64 per $1,000 financed.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Merced School Employees Federal Credit UnionFall Car Sale Auto Loan · up to 60 months
Credit union · 8 branches
4.49%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
60 month loan at 4.49% APR is $18.78 per $1000 borrowed (payment calculated with first payment in 90 days). Models 2020 and newer. Includes 0.25% rate reduction for automatic transfer or payroll deduction. Longer terms available.
Auto loan score 87 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Max Amount Financed up to 125%. Includes 0.50% Relationship Benefits discount.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2021 and newer; financing up to 120% LTV.
Auto loan score 87 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed rate 'As Low As'. Includes 1.00% Ambassador Loyalty+ bonus discount (must be maintained throughout loan term) and highest credit tier. Vehicles 7 model years or newer with less than 75K miles. Terms up to 48 months: vehicles must be less than 7 model years old (2020-2026+) with less than 75,000 miles, minimum loan amount $5,000. Terms 49 to 60 months: vehicles must be less than 5 model years old (2022-2026+) with less than 60,000 miles, minimum loan amount $10,000.
Auto loan score 87 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For model years 2016 or newer. Rate includes a 0.25% discount for Direct Deposit from a payroll entity combined with auto pay from a TCCU account. Rate varies depending on creditworthiness, qualifications, collateral, and requested terms. Additional discounts available.
Auto loan score 87 · Carrot Score 89
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