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 181–195 of 212 in California · median 4.99% APR
- 5.59%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 5.59% APR for terms up to 60 months for 2022 or newer electric or plug-in hybrid vehicles. Includes 0.25% green loan discount.
Auto loan score 66 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 5.59%APRas low as · up to 18.00%with conditions
5.59% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate includes a 0.25% relationship discount and a 0.50% discount for LTV <= 80%. Financing up to 125% MSRP.
Auto loan score 64 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 5.60%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as (APR). Minimum loan amount $10,000. Term up to 66 months. Rate includes up to 0.75% discounts.
Auto loan score 63 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
Vehicle model years 2022 - 2026.
Auto loan score 70 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
Payment example: $480.39 on a $25,000 loan. Up to 125% MSRP or KRBB.
Auto loan score 70 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
As low as rate based on model year, credit history, and term.
Auto loan score 67 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as · up to 14.49%
5.74% APR, up to 14.49%
Terms
Monthly Payment Per $1,000: $19.21 - $23.52
Auto loan score 67 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as · up to 21.99%
5.74% APR, up to 21.99%
Terms
Minimum loan amount $10,000. Model years 2025 and newer. Rates and terms vary based on creditworthiness. No payments for first 90 days.
Auto loan score 67 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 66 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness.
Auto loan score 64 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as
Terms
80% Financing. Base Rate. 1% premium added for 96-month term (min loan amount $41,000). Payment per $1,000 borrowed at 5.75% APR for 60 months = $19.22.
Auto loan score 66 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 5.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.25% direct deposit discount. 84-month terms available for loans with a balance of $40,000 or more. On approved credit for 2022 and newer model years.
Auto loan score 63 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 5.84%APRas low as
Auto loan score 66 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 5.84%APRas low as
Auto loan score 65 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.85%APRas low as · up to 17.65%
5.85% APR, up to 17.65%
Terms
Model year 2025-2026
Auto loan score 68 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - Tulare County Federal Credit UnionNew Autos (2023 and newer) · up to 60 months
Credit union · 5 branches
5.87%APRas low as · up to 18.00%with conditions5.87% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Estimated monthly payment of $19.28 per $1,000 based on as low as rate.
Auto loan score 65 · 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