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 121–135 of 222 in California · median 4.99% APR
- 4.99%APRas low as
Auto loan score 80 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 16.99%with conditions
4.99% APR, up to 16.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
48 to 60 Months term. Includes all available discounts including 0.25% discount for automatic payment from an Arrowhead account.
Auto loan score 79 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Amount financed up to 135% MSRP. 'As low as' APR reflects a 0.25% discount for loans with a loan-to-value ratio of 80% or less.
Auto loan score 79 · 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
Promotional offer: No payments for the first 90 days on qualifying auto loans funded from May to the end of July 2026 (payments are deferred, not waived; interest begins accruing from date funded and is added to the balance). APR includes a 0.25% rate discount with automatic payment.
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Glendale Area Schools Credit UnionAuto Loans (New & Late Model) · 49–60 months
Credit union · 1 branch
4.99%APRas low asTerms
Model years 2021–2026. Rate is 'as low as' based on creditworthiness, term, and collateral.
Auto loan score 78 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Ontario Public Employees FCUSpecial Loan Rates, New Autos (Credit Score 780 Or Higher) · up to 60 months
Credit union · 1 branch
4.99%APRas low asTerms
Credit Score of 780 Or Higher; New Vehicles, 100% Financing for borrowers with a FICO score of 780 or higher; Maximum Term 5 Years; No Additional Discounts
Auto loan score 78 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year 2022 and newer; term 49 - 66 months; estimated monthly payment $17.37 per $1,000 at 66 months.
Auto loan score 77 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Educational Employees Credit UnionNew Auto Loan: 2023 and newer models · up to 60 months
Credit union · 22 branches
4.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
$5,000 minimum loan amount. Estimated monthly payment $18.87 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account.
Auto loan score 73 · Carrot Score 76
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
Minimum loan amount $10,001 on loans with a term of more than 48 months. Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $19.00 per $1,000 borrowed.
Auto loan score 71 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Fixed rate as low as for 60-month term. No payments for up to 90 days option available for vehicles 3 years old and newer (interest accrues during 90-day period; not available for first-time buyers or JumpStart loans). Representative example: $30,000 loan at 5.00% APR for 60 months results in 60 payments of $567.19.
Auto loan score 82 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate for new and used auto loans up to 60 months; requires automatic payments from an FFCU account and 2 qualifying relationships. Estimated payment of $18.92 per $1,000 borrowed for 60 months.
Auto loan score 76 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as · up to 17.99%
5.19% APR, up to 17.99%
Terms
No minimum loan amount specified.
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%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 60 months based on a combined 0.75% APR in available discounts (0.25% AutoPay from USCCU checking, 0.25% active PremiumSpend checking, 0.25% Clean Energy Discount for electric/hybrid). Minimum loan amount $8,000. Floor rate 4.44%. Rates apply to 2024 or newer vehicles.
Auto loan score 75 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Fixed rate. Term 5 Years.
Auto loan score 79 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rate advertised as low as 5.24% APR.
Auto loan score 79 · Carrot Score 88
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