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 61–75 of 212 in California · median 4.99% APR
- 4.63%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% automatic payment discount. Loan amount $15,000.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.64%APRas low as · up to 13.64%with conditions
4.64% APR, up to 13.64%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Est. Payment Per $1,000: $18.71 - $23.08. Rate includes 0.50% direct deposit discount and 0.25% Rewards+ Loyalty discount.
Auto loan score 87 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.65%APRas low as · up to 11.15%
4.65% APR, up to 11.15%
Terms
Credit score tiers A+ to E; minimum APR requires tier A+
Auto loan score 84 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - California Coast Credit UnionAuto Loans - Model Years 2022 and Newer · 49–66 months
Credit union · 25 branches
4.68%APRas low asTerms
Model years 2022 and newer. As low as rate for well-qualified borrowers. Estimated monthly payment is $17.21 per $1,000 borrowed for 66 months. Fixed rate type.
Auto loan score 89 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 4.69%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Promotional Relationship Discount Rate (lowest available APR 4.69%). Must be an existing member for at least 30 days and apply for a new SAFE vehicle loan within 60 days of paying off an existing SAFE vehicle loan. Terms up to 84 months.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - Chaffey Federal Credit UnionFixed Rate New and Used Auto Loans · up to 66 months
Credit union · 3 branches
4.69%APRas low as · up to 17.99%with conditions4.69% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles; includes 0.50% discount for automatic payment
Auto loan score 74 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.69%APRas low as · up to 18.00%with conditions
4.69% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from SchoolsFirst FCU account. Lowest rate based on applicant's credit rating.
Auto loan score 71 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as · up to 18.00%
4.74% APR, up to 18.00%
Terms
Vehicles 2016 or newer.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
Rates as low as 4.74% APR. Rates may vary and are based on credit score and term of loan. Flexible terms up to 120 months.
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
APR as low as.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Auto loan score 88 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR includes 1% discount for AutoPay and 0.75% discount for qualifying payroll direct deposit of at least $1,500/mo. On approved credit for purchases and refinances from another institution. Maximum 17.99% APR. Additional rate and financing conditions apply for loans $200,000 and greater.
Auto loan score 88 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
Rate as low as 4.74% APR for new, pre-owned, or refinance auto loans. Receive up to a 0.50% rate discount with payroll deduction.
Auto loan score 88 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
Rate as low as 4.74% APR. Loan terms up to 84 months and amounts up to $150,000. Loan term and amount vary based on vehicle year, make, model, mileage and value.
Auto loan score 88 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as · up to 18.00%
4.74% APR, up to 18.00%
Auto loan score 88 · Carrot Score 84
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