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 31–45 of 212 in California · median 4.99% APR
- Clearpath Federal Credit UnionNEW 2026 w/less than 500 miles · 49–60 months
Credit union · 2 branches
4.49%APRas low asTerms
49 to 60 months.
Auto loan score 89 · Carrot Score 87
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
Posted rate includes discounts of 0.50% for financing 100% LTV or less, 0.25% for automatic payment, and 0.25% for net direct deposit. Advertised rate based on Premier FICO score of 750+. Monthly payment is $18.64 per $1,000 financed.
Auto loan score 88 · Carrot Score 89
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
Rates as low as. Non-Variable, up to 84 months. Includes 0.25% discount for automatic loan payment. APR determined based upon valuation of applicant's creditworthiness.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - Merced School Employees Federal Credit UnionFall Car Sale Auto Loan · up to 60 months
Credit union · 8 branches
4.49%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
60 month loan at 4.49% APR is $18.78 per $1000 borrowed (payment calculated with first payment in 90 days). Models 2020 and newer. Includes 0.25% rate reduction for automatic transfer or payroll deduction. Longer terms available.
Auto loan score 88 · 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
Max Amount Financed up to 125%. Includes 0.50% Relationship Benefits discount.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed rate 'As Low As'. Includes 1.00% Ambassador Loyalty+ bonus discount (must be maintained throughout loan term) and highest credit tier. Vehicles 7 model years or newer with less than 75K miles. Terms up to 48 months: vehicles must be less than 7 model years old (2020-2026+) with less than 75,000 miles, minimum loan amount $5,000. Terms 49 to 60 months: vehicles must be less than 5 model years old (2022-2026+) with less than 60,000 miles, minimum loan amount $10,000.
Auto loan score 88 · Carrot Score 89
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
For model years 2016 or newer. Rate includes a 0.25% discount for Direct Deposit from a payroll entity combined with auto pay from a TCCU account. Rate varies depending on creditworthiness, qualifications, collateral, and requested terms. Additional discounts available.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as · up to 14.79%
4.49% APR, up to 14.79%
Terms
Maximum term 84 months. Maximum loan amount $75,000.
Auto loan score 87 · Carrot Score 70
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
As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.50% New Cars Inc. discount. Finance amount $10,000 and up. Maximum term 60 months.
Auto loan score 86 · Carrot Score 77
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
Rate includes 0.50% APR auto payment discount.
Auto loan score 84 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as · up to 15.75%with conditions
4.49% APR, up to 15.75%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Available for new vehicles (2026 or newer). Term of 60 months across FICO tiers (720+ at 4.49% to 599 or below at 15.75%). Reflects maximum 1.50% loyalty discount (10+ years tenure), direct deposit, and Shield Elite checking account. Offer valid Nov 2, 2026 - Jun 30, 2027.
Auto loan score 82 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest available rate; includes 0.50% combined discount.
Auto loan score 82 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - Parishioners Federal Credit UnionNew (2025-2026) and Used Autos (current model years) · up to 60 months
Credit union · 1 branch
4.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as 4.49% (APR Without Discounts: 5.49%). Includes up to 1.00% in available discounts.
Auto loan score 82 · Carrot Score 82
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
2026-2027 model years. Best rate reflects a 0.50% discount for full direct deposit with automatic payment from checking. Promotional rate displayed October 9, 2026 – November 20, 2026. Higher rates may apply depending on credit rating and account history.
Auto loan score 81 · Carrot Score 71
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
Rate includes 1.00% rate discount for payment by Automatic Transfer. Current & prior 5 years. 100% Financing.
Auto loan score 70 · Carrot Score 77
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?
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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