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 76–90 of 222 in California · median 4.99% APR
- 4.74%APRas low as
Auto loan score 87 · Carrot Score 83
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
As low as APR includes 1% discount for Automatic Payment (AutoPay); rates subject to increase if AutoPay is discontinued. On approved credit for purchases and refinances from another institution. Maximum 17.99% APR. Additional rate and financing conditions apply for loans $200,000 and greater.
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rate as low as 4.74% APR for new, pre-owned, or refinance auto loans. Receive up to a 0.50% rate discount with payroll deduction.
Auto loan score 87 · Carrot Score 84
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%
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Model Year 2025-2026
Auto loan score 85 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
For current year models. Base rate as low as 4.74%. Risk-based adjustments (-1.00% to +9.75%) and rebates (0.25% to 0.50%) apply.
Auto loan score 85 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Estimated monthly payment of $18.75 per $1,000.
Auto loan score 85 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Frontwave Credit UnionAuto Loans - Model Years 2024 or Newer (with Auto Pay & Elite Plus Checking Discounts) · 49–66 months
Credit union · 13 branches
4.74%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For 2024 model year and newer vehicles. 49 to 66 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 130%.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - LBS FinancialNew Autos, Trucks and Vans (Model years 2026 or newer) · 36–66 months
Credit union · 7 branches
4.74%APRas low as · up to 18.00%with conditions4.74% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. Lowest rate offered may require 10% down payment.
Auto loan score 80 · Carrot Score 83
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
With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount.
Auto loan score 80 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rates as low as. Requires a minimum FICO 780 Credit Score. 72 month term at 4.75% APR is $16.00 per $1,000 borrowed.
Auto loan score 87 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 18.25%with conditions
4.75% APR, up to 18.25%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to 125% retail financing (includes Tax/License/GAP/MBI). Lowest APR stated includes a 0.50% rate discount for loan-to-value less than 80% or purchase of GAP at a loan term of 60 months or less. Promotional offer: no payments for 90 days. Rate discounts available. Maximum term not available on all loan amounts; lowest APR not available for the max term listed. Subject to credit approval.
Auto loan score 87 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
As low as rate. Subject to credit approval. Some restrictions may apply.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - San Joaquin Power Employees Credit UnionAutomobile New and Used · up to 60 months
Credit union · 1 branch
4.75%APRas low asAuto loan score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 8.75%
4.75% APR, up to 8.75%
Terms
APR based on credit qualification. Fixed rate. Sample payment on an 84-month loan is $14.02 to $15.96 per $1,000 financed. Promotional rates do not apply to a Star One loan refinance or rate modification.
Auto loan score 87 · Carrot Score 98
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