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 46–60 of 212 in California · median 4.99% APR
- 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to qualified members who set up automatic payments for auto loans from an AFCU Checking Account. Valid until November 30, 2026 on terms up to 60 months. Loan applications must be submitted and funded by November 30, 2026. Monthly payment per $1,000 borrowed for a 60-month term is $18.65. Rate based on creditworthiness.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Financing up to 125% of Kelley Blue Book including tax & license. Rate discounts up to 1.00% available (Auto Pay 0.50%, Gas Saver 0.50%).
Auto loan score 89 · Carrot Score 90
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as · up to 13.00%
4.50% APR, up to 13.00%
Terms
Combined credit score tiers from FICO 760 and above (4.50%) down to FICO 619 or less or no FICO (13.00%). 0.50% rate reduction available for automatic transfer or payroll deduction. Maximum vehicle age 12 years. LTV up to 125%.
Auto loan score 89 · Carrot Score 99
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as · up to 18.00%
4.50% APR, up to 18.00%
Terms
Please submit proof of income with your loan application for all non-share secured loans.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - USPS Federal Credit UnionHybrid & Electric Vehicles Auto Loan · up to 84 months
Credit union · 1 branch
4.50%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as 3.50% APR with Relationship Rewards. 0.25% off regular auto loan rates for hybrid and electric vehicles. Terms up to 84 months.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Rates as low as stated APR for term 37 - 60 months.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Maximum loan amount $150,000.00. APR as low as 4.50%. Term up to 96 months.
Auto loan score 86 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Rate is as low as 4.50% APR for terms of 3 to 7 years (36-84 months). Rate based on creditworthiness and loan term. Lowest rates include a 0.25% discount available for automatic payment.
Auto loan score 84 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - Valley Oak Credit UnionSecured NEW Auto Loans (2023 + Newer) · up to 60 months
Credit union · 3 branches
4.50%APRas low asTerms
Minimum loan amount $10,000.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - Tucoemas Federal Credit UnionAuto Loans (Model Year 2024 & Newer) · 49–60 months
Credit union · 5 branches
4.50%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2024 & Newer. As low as rate reflects up to 1.00% discount. Flexible terms up to 60 months available when financing up to $15,000.
Auto loan score 68 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 4.55%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as 4.55% APR on new and used vehicles. Reflects 0.25% discount for electronic repayment and direct deposit. Terms up to 84 months on loans of $30,000 or more (up to 72 months on loans up to $29,999). On approved credit.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low as · up to 14.14%
4.59% APR, up to 14.14%
Terms
Lowest APR requires credit score 720+; highest APR for credit score <600. Payment sample: 60 Month Term per $1000 borrowed: $18.98 at 5.24%.
Auto loan score 86 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 86 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low as
Terms
With 0.25% discount for direct deposit of at least $1,000/month to POLAM FCU account. FICO 700+ for lowest rate.
Auto loan score 86 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low as
Terms
Up to 84 months. Qualifying conditions apply; actual rate may vary based on credit qualification, vehicle age, and amount financed.
Auto loan score 83 · Carrot Score 76
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