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 166–180 of 212 in California · median 4.99% APR
- 5.49%APRas low as · up to 14.49%
5.49% APR, up to 14.49%
Terms
Estimated payment per $1,000 is $19.10 - $23.53.
Auto loan score 74 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as · up to 15.09%
5.49% APR, up to 15.09%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 74 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate for best credit. Includes 0.25% automatic transfer discount. Monthly payment per $1,000 borrowed is $19.10. Longer terms available on qualifying loans.
Auto loan score 74 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Year 2026-2027. Lowest rate quoted; rate varies based on creditworthiness, age or value of the vehicle, amount financed, and terms and conditions. Payment example: $16.10 per month for each $1,000 borrowed at 4.99% APR for 72 months. Minimum loan $20,000.
Auto loan score 71 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Model years 2026 & Newer. Maximum financing up to 130% of Dealer Invoice or Wholesale Value.
Auto loan score 71 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Payment per $1,000 is $19.10. As low as rate shown.
Auto loan score 71 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as · up to 19.00%
5.49% APR, up to 19.00%
Terms
Minimum loan amount is $5,000 (exceptions possible for < $5,000).
Auto loan score 71 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Minimum loan amount $15,000. Rates and terms dependent on creditworthiness.
Auto loan score 71 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With qualifying Direct Deposit (at least $1,000/mo) and Auto Pay discount. Applicable to new and used vehicles.
Auto loan score 70 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum 5 years to repay. Minimum amount financed $10,000. Rate includes discounts.
Auto loan score 70 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a 0.50% discount for automatic payments. Subject to approval; based on creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for lowest APR.
Auto loan score 67 · Carrot Score 90
Rate checked · Auto loans rates on its site
More details - OceanAir Federal Credit UnionNew & Used Auto/Truck/Van (Model year 2026 to 2021) · 49–60 months
Credit union · 5 branches
5.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as includes 0.50% discount for automatic loan payments from Epic Premium Checking and 0.25% vehicle insurance discount.
Auto loan score 64 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 5.50%APRas low as · up to 11.50%
5.50% APR, up to 11.50%
Terms
Save 0.25% when applying online upon approval of credit.
Auto loan score 73 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 5.50%APRas low as
Auto loan score 68 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.55%APRas low as
Terms
As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed.
Auto loan score 68 · Carrot Score 79
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