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 76–90 of 212 in California · median 4.99% APR
- 4.74%APRas low as
Terms
Estimated monthly payment of $18.75 per $1,000.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
Model Year 2025-2026
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
For current year models. Base rate as low as 4.74%. Risk-based adjustments (-1.00% to +9.75%) and rebates (0.25% to 0.50%) apply.
Auto loan score 86 · Carrot Score 89
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
Estimated payment of $18.76 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less.
Auto loan score 86 · Carrot Score 89
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
Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. For used cars, the age of the vehicle may limit maximum loan term.
Auto loan score 84 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - Frontwave Credit UnionAuto Loans - Model Years 2024 or Newer (with Auto Pay & Elite Plus Checking Discounts) · 49–66 months
Credit union · 13 branches
4.74%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For 2024 model year and newer vehicles. 49 to 66 months. Rate includes qualifying discounts for Auto Pay (0.25%) and Elite Plus Checking (0.25%). Financing up to 130%.
Auto loan score 84 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - LBS FinancialNew Autos, Trucks and Vans (Model years 2026 or newer) · 36–66 months
Credit union · 7 branches
4.74%APRas low as · up to 18.00%with conditions4.74% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. Lowest rate offered may require 10% down payment.
Auto loan score 81 · Carrot Score 82
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
With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount.
Auto loan score 81 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Terms
Rates as low as. Requires a minimum FICO 780 Credit Score. 72 month term at 4.75% APR is $16.00 per $1,000 borrowed.
Auto loan score 88 · Carrot Score 98
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as · up to 18.25%with conditions
4.75% APR, up to 18.25%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to 125% retail financing (includes Tax/License/GAP/MBI). Lowest APR stated includes a 0.50% rate discount for loan-to-value less than 80% or purchase of GAP at a loan term of 60 months or less. Promotional offer: no payments for 90 days. Rate discounts available. Maximum term not available on all loan amounts; lowest APR not available for the max term listed. Subject to credit approval.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Terms
As low as rate. Subject to credit approval. Some restrictions may apply.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - San Joaquin Power Employees Credit UnionAutomobile New and Used · up to 60 months
Credit union · 1 branch
4.75%APRas low asAuto loan score 88
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as · up to 8.75%
4.75% APR, up to 8.75%
Terms
APR based on credit qualification. Rate applies to terms up to 7 years (sample payment for 84 months is $14.02 to $15.96 per $1,000 financed). Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
Auto loan score 88 · Carrot Score 99
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Terms
Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit.
Auto loan score 84 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Terms
APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%.
Auto loan score 84 · 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