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 151–165 of 212 in California · median 4.99% APR
- 5.25%APRas low as
Terms
For qualified borrowers only. Subject to credit approval.
Auto loan score 72 · Carrot Score 99
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
New Auto Fixed Rate. New vehicles are Current or Prior Year Model; 12K Miles or less.
Auto loan score 71 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 5.29%APRas low as
Terms
APR as low as 5.29%. Financing up to 7 years (84 months) for new autos and up to 6 years (72 months) for used autos.
Auto loan score 78 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.29%APRas low as · up to 17.99%
5.29% APR, up to 17.99%
Terms
Lowest rate shown with financed LTV of 95%; loans exceeding 95% LTV subject to higher rates. APR range reflects creditworthiness and terms.
Auto loan score 76 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.29%APRas low as
Terms
New auto (model year must be previous model year or newer, with 36,000 miles or less). Fixed rate.
Auto loan score 73 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 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
More details - 5.30%APRas low as · up to 13.60%
5.30% APR, up to 13.60%
Terms
New Auto loans up to $100,000. Terms up to 60 months. Stated rates do not include 1% Off Discount Promo. Actual APR offered depends on credit rating and other underwriting factors.
Auto loan score 72 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.35%APRas low as
Terms
Minimum loan amount $7,500.
Auto loan score 74 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low as · up to 12.14%
5.39% APR, up to 12.14%
Terms
Model years 2025-2026
Auto loan score 73 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low as
Terms
Payment example per $1,000 borrowed: $19.09.
Auto loan score 73 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low as
Terms
Rates as low as. 60-month term.
Auto loan score 72 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 5.45%APRas low as
Terms
Fixed rate; APR as low as.
Auto loan score 72 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 5.47%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as, based on FICO score 720 or above. Includes a 0.25% discount for automatic payment transfers and having a checking account.
Auto loan score 71 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as · up to 9.74%
5.49% APR, up to 9.74%
Terms
Credit score 750+ for lowest APR; under 5 calendar years.
Auto loan score 74 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Rates as low as. Rate based on creditworthiness and term of loan.
Auto loan score 74 · Carrot Score 62
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