Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 16–30 of 101 in Los Angeles, CA metro · median 4.99% APR
- 4.49%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 best credit. Non-variable, up to 84 months. Includes 0.25% discount for automatic loan payment. Stated 48-month term shown in table.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies.
Auto loan score 88 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Estimated payment of $18.65 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Posted rate includes discounts of 0.50% for financing 100% LTV or less, 0.25% for automatic payment, and 0.25% for net direct deposit. Advertised rate based on Premier FICO score of 750+. Monthly payment is $18.64 per $1,000 financed.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Max Amount Financed up to 125%. Includes 0.50% Relationship Benefits discount.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For model years 2016 or newer. Rate includes a 0.25% discount for Direct Deposit from a payroll entity combined with auto pay from a TCCU account. Rate varies depending on creditworthiness, qualifications, collateral, and requested terms. Additional discounts available.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 14.79%
4.49% APR, up to 14.79%
Terms
Maximum term 84 months. Maximum loan amount $75,000.
Auto loan score 86 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
With 0.25% discount for direct deposit of at least $1,000/month to POLAM FCU account. FICO 700+ for lowest rate.
Auto loan score 83 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest available rate; includes 0.50% combined discount.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - Parishioners Federal Credit UnionNew (2025-2026) and Used Autos (current model years) · up to 60 months
Credit union · 1 branch
4.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as 4.49% (APR Without Discounts: 5.49%). Includes up to 1.00% in available discounts.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 1.00% rate discount for payment by Automatic Transfer. Current & prior 5 years. 100% Financing.
Auto loan score 69 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate requires automatic payments from an AFCU Checking Account. Loan applications must be submitted and funded by October 31, 2026. Rate based on creditworthiness. Monthly payment per $1,000 borrowed for 60 months is $18.65.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
FICO 760 and above
Auto loan score 89 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - USPS Federal Credit UnionHybrid & Electric Vehicles Auto Loan · up to 84 months
Credit union · 1 branch
4.50%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as 3.50% APR with Relationship Rewards. 0.25% off regular auto loan rates for hybrid and electric vehicles. Terms up to 84 months.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates as low as stated APR for term 37 - 60 months.
Auto loan score 87 · Carrot Score 86
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 Los Angeles, CA metro
101 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.32%
- Credit unions, typical
- 4.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Los Angeles, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches
- Downey Federal Credit UnionCredit union · 2 branches