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 1–15 of 24 in San Diego, CA metro · median 4.99% APR
- 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Discounted rate includes discounts for purchasing a new vehicle from auto buying service New Cars Inc. (NCI) and financing with Wheelhouse Credit Union (0.50% discount), purchasing any two (2) ancillary products (0.25% discount), and setting up automatic loan payments from an Inspired Checking Account (0.25% discount).
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
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
Model years 2021 and newer; financing up to 120% LTV.
Auto loan score 87 · 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
As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.50% New Cars Inc. discount. Finance amount $10,000 and up. Maximum term 60 months.
Auto loan score 85 · Carrot Score 75
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 - California Coast Credit UnionAuto Loans - Model Years 2022 and Newer · 49–66 months
Credit union · 22 branches
4.68%APRas low asTerms
Model years 2022 and newer. As low as rate for well-qualified borrowers. Estimated monthly payment is $17.21 per $1,000 borrowed for 66 months. Fixed rate type.
Auto loan score 88 · Carrot Score 78
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 - Frontwave Credit UnionAuto Loans - Model Years 2024 or Newer (with Auto Pay & Elite Plus Checking Discounts) · 49–66 months
Credit union · 8 branches
4.74%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For 2024 model year and newer vehicles. 49 to 66 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 130%.
Auto loan score 83 · Carrot Score 85
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 - First Tech Federal Credit UnionNew Auto Loan - 2025 and Newer Models · up to 65 months
Credit union · 1 branch
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
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 - 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 - 5.30%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum loan amount up to 125% of Dealer MSRP or Retail Kelly Bluebook. Rates include 0.25% discount with automatic payment from a BluPeak checking account.
Auto loan score 72 · Carrot Score 66
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 San Diego, CA metro
24 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.32%
- Credit unions, typical
- 4.82%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
San Diego, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Home Bank of CaliforniaBank · 1 branch
- First BankBank · 3 branches