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 31–45 of 101 in Los Angeles, CA metro · median 4.99% APR
- 4.50%APRas low as
Terms
Maximum loan amount $150,000.00. APR as low as 4.50%. Term up to 96 months.
Auto loan score 85 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low as · up to 18.00%with conditions
4.59% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles. Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $1.87 - $2.54.
Auto loan score 72 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as · up to 13.64%
4.64% APR, up to 13.64%
Terms
Est. Payment Per $1,000: $18.71 - $23.08.
Auto loan score 88 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - Chaffey Federal Credit UnionFixed Rate New and Used Auto Loans · up to 66 months
Credit union · 1 branch
4.69%APRas low as · up to 17.99%with conditions4.69% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles; includes 0.50% discount for automatic payment
Auto loan score 73 · Carrot Score 80
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
Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. For used cars, the age of the vehicle may limit maximum loan term.
Auto loan score 87 · Carrot Score 87
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%
Terms
Vehicles 2016 or newer.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 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
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 - 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 · 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
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
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
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