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 106–120 of 222 in California · median 4.99% APR
- 4.99%APRas low as
Terms
Model year 2020 & newer. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Stated as low as rate.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Year 2026 AND NEWER. LTV <= 100%. Well-qualified borrowers.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99% APR. Rates may vary and are based on credit score and term of loan. Flexible terms up to 120 months.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 14.68%
4.99% APR, up to 14.68%
Terms
Model year 2025 or newer. Fixed rate. 100% financing APR. Minimum of $15,000 amount financed for 72 months; minimum of $30,000 financed for 84 months.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - First Tech Federal Credit UnionNew Auto Loan - 2025 and Newer Models · up to 65 months
Credit union · 8 branches
4.99%APRas low asTerms
Rate as low as 4.99% APR for 65 months term with loan amount $1,000 to $300,000.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as rate based on Titanium credit tier and 80% or better LTV. APR may vary depending on amount financed, term, credit history, and loan fees. Financing up to 125% of MSRP (includes tax, license and MRC) + GAP. An additional 0.25% discount may be available when automatic loan payments are set up from a Sierra Central Checking account within 60 days of funding. Payment example: Estimated APR of 7.24% on $35,000 for 60 months = $700.00/mo.
Auto loan score 83 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Estimated monthly payment of $19.10 per $1,000.
Auto loan score 81 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 15.99%with conditions
4.99% APR, up to 15.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% discount for automatic payment from Eagle Checking. Financing up to 125% LTV. No application fees or pre-payment penalties.
Auto loan score 81 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Estimated payment per $1,000.00 is $16.88. Includes a 1.00% discount when eligible products and services are added.
Auto loan score 81 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Honda Federal Credit UnionNew Automobiles (2025 and Newer) · up to 66 months
Credit union · 2 branches
4.99%APRas low asTerms
Estimated payment per $1000 is $17.36.
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as 4.99% APR. Terms up to 84 months. Vehicles made in 2022 – 2023.
Auto loan score 81 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 13.24%with conditions
4.99% APR, up to 13.24%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Estimated payment is $18.88 - $22.89 per $1,000 borrowed. Includes 0.75% direct deposit discount ($500/month min).
Auto loan score 81 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 14.99%
4.99% APR, up to 14.99%
Terms
Estimated payment $17.36 - $22.34 per $1,000 borrowed. Refinances of existing Safe 1 loans not eligible.
Auto loan score 81 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
$10,000 minimum loan amount for 60 months. Lowest rate quoted with direct deposit and automatic payment from Alta Vista Credit Union Account. Based on approved credit.
Auto loan score 80 · Carrot Score 72
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