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 212 in California · median 4.99% APR
- 3.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 3.49% APR advertised on homepage.
Auto loan score 99 · Carrot Score 97
Rate checked · Auto loans rates on its site
More details - 3.49%APRas low as
Terms
Advertised as low as rate is based on up to 60-month term for a new and a used vehicle when financing up to 125% LTV. 90-day payment deferral included.
Auto loan score 99 · Carrot Score 96
Rate checked · Auto loans rates on its site
More details - 3.50%APRas low as · up to 13.00%
3.50% APR, up to 13.00%
Terms
Model year 2026-2027
Auto loan score 97 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 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 92
Rate checked · Auto loans rates on its site
More details - 3.84%APRas low as
Terms
Rate is advertised as low as 3.84% APR.
Auto loan score 97 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 3.90%APRas low as
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - Educational Employees Credit UnionNew Auto Loan: 2023 and newer models · up to 72 months
Credit union · 22 branches
3.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
$15,000 minimum loan amount. Estimated monthly payment $15.64 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account.
Auto loan score 95 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as
Terms
Rates as low as 3.99% APR. Rates subject to change without notice. All loans subject to credit approval; actual rate and terms may vary based on creditworthiness, loan term, and vehicle age. First payment may be deferred for up to 90 days; interest begins accruing from the date of loan disbursement. Membership required.
Auto loan score 95 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 3.99% APR. Includes rate reduction due to Relationship discounts of up to 0.75% (0.25% for direct deposit of entire net pay, 0.25% for payment through payroll, ACH Origination or automatic transfer, and 0.25% for 'Loyalty Plus' Members). Actual rate, loan amount, and terms are based on creditworthiness and may vary. Not all members will qualify. Used vehicle model years not to exceed 10 years old or 150,000 miles. Applies to new or used cars, trucks, and refinancing.
Auto loan score 93 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Years 2024 and newer. APR as low as 3.99%. Rate includes maximum discount of 0.50% (0.25% Automatic Payment Transfer, ACH or Payroll Deduction and 0.25% Direct Deposit). Financing up to 100% of MSRP or purchase price, whichever is less. Terms up to 84 months.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 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
More details - 4.20%APRas low as · up to 18.00%
4.20% APR, up to 18.00%
Terms
Up to 135% financing; must have 7,500 miles or fewer; 2024 & newer; maximum term 84 months
Auto loan score 90 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 4.24%APRas low as
Terms
Current year, <5,000 miles. Rates are based on credit history, terms of loan, payment type, and other potential conditions. 10 Days grace period for repayment.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.24%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. Estimated monthly payment: $18.53 per $1,000 borrowed.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay).
Auto loan score 89 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details
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
212 banks and credit unions · checked Nov 5–7
- Typical
- 4.99%
- Top 10% up to
- 4.34%
- 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
- Star One Credit UnionCredit union · 6 branches
- Skyla Credit UnionCredit union · 1 branch
- America First Credit UnionCredit union · 1 branch