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 196–210 of 212 in California · median 4.99% APR
- 5.88%APRas low as
Terms
Fixed Rate APR as low as 5.875% for excellent credit; may vary depending on credit rating. Term not to exceed 1 year per $1,000 financed. Payment per $1,000 is $19.27.
Auto loan score 68 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 5.89%APRas low as
Terms
Repayment amount is $17.78 per $1,000 borrowed for 66 monthly payments at 5.89% APR. Rate determined by credit history.
Auto loan score 68 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - Sheet Metal Workers Local 104 Federal Credit UnionNew and Used Auto Loans · 37–60 months
Credit union · 1 branch
5.99%APRas low asTerms
Rate is as low as. Not all borrowers will qualify for lowest rate. Rate determined by credit history, loan terms, mileage, age of collateral, and amount borrowed. Includes or eligible for 0.25% relationship discount for members with current or past loans with SMART Federal Credit Union.
Auto loan score 67 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
For loan terms of 72 months or less, minimum amount financed is $10,000.
Auto loan score 67 · Carrot Score 95
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low as
Terms
Estimated monthly payment of $19.33 per $1,000.
Auto loan score 65 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low as · up to 7.49%
5.99% APR, up to 7.49%
Terms
Financing 80% to 100%. 1% discount for FICO scores above 730; 1% off for Hybrid/Electric Vehicles (floor limit 4.49%).
Auto loan score 64 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 6.11%APRas low as · up to 15.31%
6.11% APR, up to 15.31%
Terms
90% or less LTV
Auto loan score 65 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 6.14%APRas low as · up to 19.14%with conditions
6.14% APR, up to 19.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.50% discount for automatic payment transfer from an AFCU account. Additional 0.25% discount available for 80% financing.
Auto loan score 65 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 6.24%APRas low as
Terms
As low as rate on approved credit without underwriting exceptions; estimated payment of $16 per $1,000.
Auto loan score 65 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - L.A. Electrical Workers Credit UnionDIRECT New & Used Auto Loans · up to 60 months
Credit union · 2 branches
6.24%APRas low asTerms
FICO 720+; Up to 120% LTV
Auto loan score 65 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For 60 months. Reflects 0.25% discount for new members or members using auto pay from an AdelFi Checking Account. Monthly payment for $10,000 for 60 months at 6.49% APR is $196.10. Rate based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage. Rate increases to base rate for credit scores below 700: add 0.50% for every 5% above Base LTV limit (subject to OTD LTV limits, max 10% above base LTV); add 0.50% if vehicle is over 100K miles; add 0.50% if model year is 10 years.
Auto loan score 62 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low as
Terms
Experian FICO Score 725 & above. Max loan amount $100,000. Terms up to 84 months. Subject to credit approval.
Auto loan score 62 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as · up to 18.00%
7.00% APR, up to 18.00%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 7.25%APRas low as · up to 13.25%
7.25% APR, up to 13.25%
Auto loan score 61 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 7.49%APRas low as · up to 8.49%
7.49% APR, up to 8.49%
Auto loan score 61 · Carrot Score 81
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