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 106–120 of 212 in California · median 4.99% APR
- 4.99%APRas low as · up to 14.68%
4.99% APR, up to 14.68%
Terms
Model year 2025 or newer. Fixed rate. 100% financing APR. Minimum of $15,000 amount financed for 72 months; minimum of $30,000 financed for 84 months.
Auto loan score 84 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Auto loan score 84 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Estimated payment per $1,000.00 is $16.88. Includes a 1.00% discount when eligible products and services are added.
Auto loan score 82 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Rates as low as 4.99% APR. Flexible terms 12 to 84 months (84 months for vehicles up to 10 model years old). Rate varies based on creditworthiness, amount borrowed, term, and other factors. 0.50% member loyalty rate discount available for members of at least 7 months.
Auto loan score 82 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
As low as 4.99% APR. Terms up to 84 months. Vehicles made in 2022 – 2023.
Auto loan score 82 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as · up to 13.24%with conditions
4.99% APR, up to 13.24%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Estimated payment is $18.88 - $22.89 per $1,000 borrowed. Includes 0.75% direct deposit discount ($500/month min).
Auto loan score 82 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as · up to 14.99%
4.99% APR, up to 14.99%
Terms
Estimated payment $17.36 - $22.34 per $1,000 borrowed. Refinances of existing Safe 1 loans not eligible.
Auto loan score 82 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
$10,000 minimum loan amount for 60 months. Lowest rate quoted with direct deposit and automatic payment from Alta Vista Credit Union Account. Based on approved credit.
Auto loan score 81 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
New Auto Purchase or Refinance APR as low as. Rate based on creditworthiness. No payment due for first 90 days. California registered vehicles only.
Auto loan score 81 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Auto loan score 81 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as · up to 16.99%with conditions
4.99% APR, up to 16.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
48 to 60 Months term. Includes all available discounts including 0.25% discount for automatic payment from an Arrowhead account.
Auto loan score 80 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Amount financed up to 135% MSRP. 'As low as' APR reflects a 0.25% discount for loans with a loan-to-value ratio of 80% or less.
Auto loan score 80 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Model years 2021–2026. Rate is 'as low as' based on credit approval.
Auto loan score 79 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - Ontario Public Employees FCUSpecial Loan Rates, New Autos (Credit Score 780 Or Higher) · up to 60 months
Credit union · 1 branch
4.99%APRas low asTerms
Credit Score of 780 Or Higher; New Vehicles, 100% Financing for borrowers with a FICO score of 780 or higher; Maximum Term 5 Years; No Additional Discounts
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Model year 2022 and newer; term 49 - 66 months; estimated monthly payment $17.37 per $1,000 at 66 months.
Auto loan score 78 · Carrot Score 86
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