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 91–105 of 222 in California · median 4.99% APR
- 4.75%APRas low as
Terms
New Auto Purchase or Refinance APR as low as. Rate based on creditworthiness. No payment due for first 90 days. California registered vehicles only.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit.
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%.
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
APR as low as 4.75% for terms up to 96 months with maximum loan amount of $150,000.00.
Auto loan score 82 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Limit: $10,000 or Over. Published rate includes a 0.50% APR relationship pricing discount. Rates tailored to credit score; best rate for Tier A (710+). Applicable to new and used vehicles (2006 or newer).
Auto loan score 81 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2026-2027. Assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Auto loan score 81 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as · up to 19.29%
4.79% APR, up to 19.29%
Terms
Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform.
Auto loan score 81 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as
Terms
APR as low as stated. Rates subject to change without notice.
Auto loan score 86 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as
Terms
LTV <= 75%
Auto loan score 85 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - First California Federal Credit UnionNew Auto Loans - 2023 and Newer Model Years · up to 60 months
Credit union · 1 branch
4.89%APRas low asAuto loan score 82 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
Credit Score: 720+; vehicle_condition: new
Auto loan score 82 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
As low as APR for terms up to 66 months. Fixed APR on New Autos. 66 monthly payments of $17.35 per $1,000 borrowed at 4.89%. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract).
Auto loan score 82 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 4.89% APR includes a 0.50% APR discount for members who maintain a qualifying checking account and receive recurring monthly direct deposits totaling at least $1,000 (or a 0.25% discount for LTV <=90%). Up to 60 months term.
Auto loan score 71 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Maximum Financing: 80% of Purchase Price
Auto loan score 79 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.94%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised rates include 0.25% discount for direct deposit and 0.25% discount with auto-pay.
Auto loan score 86 · Carrot Score 85
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