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 91–105 of 212 in California · median 4.99% APR
- 4.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Limit: $10,000 or Over. Published rate includes a 0.50% APR relationship pricing discount. Rates tailored to credit score; best rate for Tier A (710+). Applicable to new and used vehicles (2006 or newer).
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.79%APRas low as · up to 8.19%
4.79% APR, up to 8.19%
Terms
For 2023 & newer vehicles. Up to 110% financing.
Auto loan score 82 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 4.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2026-2027. Assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Auto loan score 82 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 4.79%APRas low as · up to 19.29%
4.79% APR, up to 19.29%
Terms
Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform.
Auto loan score 82 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 4.84%APRas low as
Terms
LTV <= 75%
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.85%APRas low as
Terms
Offer valid on new auto loans funded. As low as APR assumes maximum term of 60 months. Not available to refinance existing Noble Credit Union loans. Subject to credit approval.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.89%APRas low as
Terms
Credit Score: 720+; vehicle_condition: new
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.89%APRas low as
Terms
As low as APR for terms up to 66 months. Fixed APR on New Autos. 66 monthly payments of $17.35 per $1,000 borrowed at 4.89%. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract).
Auto loan score 83 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - First California Federal Credit UnionNew Auto Loans - 2023 and Newer Model Years · up to 60 months
Credit union · 1 branch
4.89%APRas low asAuto loan score 82 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 4.89%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 4.89% APR includes a 0.50% APR discount for members who maintain a qualifying checking account and receive recurring monthly direct deposits totaling at least $1,000 (or a 0.25% discount for LTV <=90%). Up to 60 months term.
Auto loan score 72 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.90%APRas low as
Terms
Maximum Financing: 80% of Purchase Price
Auto loan score 80 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 4.94%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised rate includes 0.25% discount for direct deposit and 0.25% with auto-pay.
Auto loan score 81 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Model year 2020 & newer. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Stated as low as rate.
Auto loan score 84 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Model Year 2026 AND NEWER. LTV <= 100%. Well-qualified borrowers.
Auto loan score 84 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as · up to 18.00%
4.99% APR, up to 18.00%
Terms
Fixed rate. Rates shown are interest rates; APR is slightly higher. Actual rates based on FICO score (4.99% for 750 & Above to 18.00% for 605-619).
Auto loan score 84 · 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