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 16–30 of 212 in California · median 4.99% APR
- 4.24%APRas low as · up to 15.99%with conditions
4.24% APR, up to 15.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. Maximum terms vary based on collateral and loan amount.
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Discounted rate includes discounts for purchasing a new vehicle from auto buying service New Cars Inc. (NCI) and financing with Wheelhouse Credit Union (0.50% discount), purchasing any two (2) ancillary products (0.25% discount), and setting up automatic loan payments from an Inspired Checking Account (0.25% discount).
Auto loan score 88 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Newer Auto Loans. Includes 1.25% APR discount.
Auto loan score 82 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as
Terms
Credit score 730+; Maximum LTV 110%
Auto loan score 93 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as
Terms
Monthly payment per $1,000 borrowed is $18.53. Up to 90% financing without payroll deduction or file transfer, up to 100% with payroll deduction or file transfer.
Auto loan score 91 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as
Terms
Starting as low as 4.25% APR. Terms up to 84 Months. Rate subject to term. Model Year 2025 or 2026.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.35%APRas low as · up to 10.40%
4.35% APR, up to 10.40%
Terms
Model year 2025 to 2027. Rate depends on creditworthiness/risk grade (Grade A+ to D).
Auto loan score 92 · Carrot Score 90
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as
Terms
APR as low as stated. Rates subject to change without notice. Based on approved credit.
Auto loan score 90 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as
Terms
APR as low as 4.49%
Auto loan score 90 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2021 and newer; financing up to 120% LTV.
Auto loan score 90 · Carrot Score 97
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as · up to 4.99%with conditions
4.49% APR, up to 4.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate stated as 4.99% / 4.49%**. Special rates reflect a 0.50% discount for direct deposit into Upward CU checking or ACH automatic payments originated by Upward CU. Rates displayed are for level 1 credit scores.
Auto loan score 90 · Carrot Score 90
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Assumes excellent credit history and maximum 0.50% APR discount for ACH/automatic payment. $25 funding fee applies.
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as · up to 17.99%
4.49% APR, up to 17.99%
Terms
Rate based on creditworthiness and term of loan. Rate match refinance option available.
Auto loan score 89 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - Central State Credit UnionNew Vehicle Loan: Model Year 2026 · up to 84 months
Credit union · 4 branches
4.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Terms up to 84 months. Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade and Warranty. To qualify for this rate, borrowers need 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less. Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).
Auto loan score 89 · Carrot Score 83
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