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 61–75 of 222 in California · median 4.99% APR
- Valley Oak Credit UnionSecured NEW Auto Loans (2023 + Newer) · up to 60 months
Credit union · 3 branches
4.50%APRas low asTerms
Minimum loan amount $10,000.
Auto loan score 82 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Tucoemas Federal Credit UnionAuto Loans (Model Year 2024 & Newer) · 49–60 months
Credit union · 5 branches
4.50%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2024 & Newer. As low as rate reflects up to 1.00% discount. Flexible terms up to 60 months available when financing up to $15,000.
Auto loan score 67 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.55%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as 4.55% APR on new and used vehicles. Reflects 0.25% discount for electronic repayment and direct deposit. Terms up to 84 months on loans of $30,000 or more (up to 72 months on loans up to $29,999). On approved credit.
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - Altura Credit UnionNew Car Loans (2025-2026 Model Years) · up to 60 months
Credit union · 23 branches
4.59%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.50% direct deposit/autopay discount.
Auto loan score 86 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low as · up to 14.14%
4.59% APR, up to 14.14%
Terms
Lowest APR requires credit score 720+; highest APR for credit score <600. Payment sample: 60 Month Term per $1000 borrowed: $18.98 at 5.24%.
Auto loan score 85 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low as
Terms
Up to 84 months. Qualifying conditions apply; actual rate may vary based on credit qualification, vehicle age, and amount financed.
Auto loan score 82 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low as · up to 18.00%with conditions
4.59% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles. Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $1.87 - $2.54.
Auto loan score 72 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.63%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. Loan amount $15,000.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as · up to 13.64%
4.64% APR, up to 13.64%
Terms
Est. Payment Per $1,000: $18.71 - $23.08.
Auto loan score 88 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.65%APRas low as · up to 11.15%
4.65% APR, up to 11.15%
Terms
Credit score tiers A+ to E; minimum APR requires tier A+
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - California Coast Credit UnionAuto Loans - Model Years 2022 and Newer · 49–66 months
Credit union · 26 branches
4.68%APRas low asTerms
Model years 2022 and newer. As low as rate for well-qualified borrowers. Estimated monthly payment is $17.21 per $1,000 borrowed for 66 months. Fixed rate type.
Auto loan score 88 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Promotional Relationship Discount Rate (lowest available APR 4.69%). Must be an existing member for at least 30 days and apply for a new SAFE vehicle loan within 60 days of paying off an existing SAFE vehicle loan. Terms up to 84 months.
Auto loan score 88 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - Chaffey Federal Credit UnionFixed Rate New and Used Auto Loans · up to 66 months
Credit union · 3 branches
4.69%APRas low as · up to 17.99%with conditions4.69% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles; includes 0.50% discount for automatic payment
Auto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. For used cars, the age of the vehicle may limit maximum loan term.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 18.00%
4.74% APR, up to 18.00%
Terms
Vehicles 2016 or newer.
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