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 136–150 of 212 in California · median 4.99% APR
- 5.24%APRas low as
Terms
Rates shown are 'as low as' and subject to credit approval based on transaction type, loan term, payment method, vehicle condition, and credit score. New auto defined as current model year or within previous 2 years with mileage not exceeding 30,000 miles.
Auto loan score 78 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - Marin County Federal Credit UnionNew Automobile & Motorcycle · up to 60 months
Credit union · 1 branch
5.24%APRas low as · up to 13.99%5.24% APR, up to 13.99%
Terms
APR determined by credit score (<600 to 720+)
Auto loan score 78 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Auto loan score 78 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as · up to 14.74%
5.24% APR, up to 14.74%
Terms
Minimum loan amount $5,000. Example payment per $1,000 is $22.20 based on highest interest rate with maximum term.
Auto loan score 76 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Sample loan of $35,000 & Guaranteed Residual Value of $11,000 with estimated monthly payment of $505.05. APR as low as. Reflects 0.50% automatic payment discount.
Auto loan score 76 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Max loan term 60 months. Payment per $1,000 borrowed is $18.98. Financing 100%.
Auto loan score 74 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as · up to 10.24%
5.24% APR, up to 10.24%
Terms
Tier A+ (800 - 850): 5.24%, Tier A (740 - 799): 5.74%, Tier B (670 - 739): 7.74%, Tier C (580 - 669): 8.74%, Tier D (300 - 579): 10.24%
Auto loan score 74
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
Discounted APR. Maximum financing 100% of MSRP + tax, lic, GAP. Models up to 3 years old. Purchase or refinanced.
Auto loan score 74 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as · up to 13.99%with conditions
5.24% APR, up to 13.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles (cars, trucks, SUVs, motorcycles). Lowest rate assumes HomeFREE Discount Program participation.
Auto loan score 69 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as · up to 18.24%
5.24% APR, up to 18.24%
Terms
Includes a 0.50% discount for being a member for more than 6 months.
Auto loan score 67 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Up to 72 Months. 84 month term requires a minimum loan balance of $35k. 0.26% rate discount on Zero Emission Vehicles.
Auto loan score 79 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - Ukrainian Federal Credit UnionNew Auto Loan (vehicle year 2025 - 2026) · up to 60 months
Credit union · 2 branches
5.25%APRas low as · up to 6.25%with conditions5.25% APR, up to 6.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 5 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit.
Auto loan score 74 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Auto loan score 73 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Rate as low as 5.25% APR. Financing up to 100% of purchase price. Terms range from 36 to 84 months. Discount of 0.25% available for 20% cash down. Rate based on creditworthiness and term of loan.
Auto loan score 73 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
First Time Buyer add 3.00% to highest rate in range for term
Auto loan score 72 · Carrot Score 74
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