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 49 in San Francisco, CA metro · median 5.24% APR
- 3.50%APRas low as · up to 13.00%
3.50% APR, up to 13.00%
Terms
Model year 2026-2027
Auto loan score 96 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 3.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 125% of MSRP, Maximum $30,000.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as · up to 15.99%with conditions
4.24% APR, up to 15.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. Maximum terms vary based on collateral and loan amount.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Terms
Risk Grade A+, Model Year 2025 to 2027
Auto loan score 91 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.48%APRas low as
Auto loan score 85 · Carrot Score 88
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
Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit.
Auto loan score 89 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 4.99%with conditions
4.49% APR, up to 4.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate stated as 4.99% / 4.49%**. Special rates reflect a 0.50% discount for direct deposit into Upward CU checking or ACH automatic payments originated by Upward CU. Rates displayed are for level 1 credit scores.
Auto loan score 89 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 17.99%
4.49% APR, up to 17.99%
Terms
Rate based on creditworthiness and term of loan. Rate match refinance option available.
Auto loan score 88 · Carrot Score 67
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
Fixed rate 'As Low As'. Includes 1.00% Ambassador Loyalty+ bonus discount (must be maintained throughout loan term) and highest credit tier. Vehicles 7 model years or newer with less than 75K miles. Terms up to 48 months: vehicles must be less than 7 model years old (2020-2026+) with less than 75,000 miles, minimum loan amount $5,000. Terms 49 to 60 months: vehicles must be less than 5 model years old (2022-2026+) with less than 60,000 miles, minimum loan amount $10,000.
Auto loan score 87 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Financing up to 125% of Kelley Blue Book including tax & license. Rate discounts up to 1.00% available (Auto Pay 0.50%, Gas Saver 0.50%).
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low as · up to 14.14%
4.59% APR, up to 14.14%
Terms
Lowest APR requires credit score 720+; highest APR for credit score <600. Payment sample: 60 Month Term per $1000 borrowed: $18.98 at 5.24%.
Auto loan score 85 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.63%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% automatic payment discount. Loan amount $15,000.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.65%APRas low as · up to 11.15%
4.65% APR, up to 11.15%
Terms
Credit score tiers A+ to E; minimum APR requires tier A+
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Model Year 2025-2026
Auto loan score 85 · Carrot Score 83
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 Francisco, CA metro
49 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.45%
- Banks, typical
- 6.39%
- 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.
San Francisco, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st Nor Cal® Credit UnionCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 4 branches