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 121–135 of 212 in California · median 4.99% APR
- 4.99%APRas low as · up to 15.99%with conditions
4.99% APR, up to 15.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% discount for automatic payment from Eagle Checking. Financing up to 125% LTV. No application fees or pre-payment penalties.
Auto loan score 76 · Carrot Score 78
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
Minimum loan amount $10,001 on loans with a term of more than 48 months. Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $19.00 per $1,000 borrowed.
Auto loan score 72 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as · up to 15.74%with conditions
4.99% APR, up to 15.74%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $19 to $25.
Auto loan score 70 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Fixed rate as low as for 60-month term. No payments for up to 90 days option available for vehicles 3 years old and newer (interest accrues during 90-day period; not available for first-time buyers or JumpStart loans). Representative example: $30,000 loan at 5.00% APR for 60 months results in 60 payments of $567.19.
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
APR as low as 5.00% for terms up to 96 months with maximum loan amount of $150,000.00.
Auto loan score 76 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 5.09%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate for new and used auto loans up to 60 months; requires automatic payments from an FFCU account and 2 qualifying relationships. Estimated payment of $18.92 per $1,000 borrowed for 60 months.
Auto loan score 77 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - Honda Federal Credit UnionNew Automobiles (2025 and Newer) · up to 66 months
Credit union · 2 branches
5.14%APRas low asTerms
Estimated payment per $1000 is $17.43.
Auto loan score 78 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.19%APRas low as
Terms
As low as rate for 60 months. Minimum loan amount $8,000. Rates apply to 2024 or newer vehicles. Floor rate 4.44%.
Auto loan score 81 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
Fixed rate. Term 5 Years.
Auto loan score 80 · Carrot Score 99
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
Rate advertised as low as 5.24% APR.
Auto loan score 80 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
Model year 2022 or newer. Max term 60 months. APR as low as.
Auto loan score 80 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - First Tech Federal Credit UnionNew Auto Loan - 2025 and Newer Models · up to 65 months
Credit union · 8 branches
5.24%APRas low asTerms
For 2025 and newer models. Rate advertised as low as 5.24%.
Auto loan score 80 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
Rate as low as; subject to credit approval. May include 0.25% Auto Pay rate discount.
Auto loan score 80 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as · up to 13.99%
5.24% APR, up to 13.99%
Terms
Rates vary by FICO score: 740+ is 5.24% (135% LTV), 700-739 is 5.99% (125% LTV), 655-699 is 7.24% (120% LTV), 625-654 is 8.24% (115% LTV), 570-624 is 11.49% (100% LTV), <570 is 13.99% (90% LTV). Stated rates do not include 0.25% autopay discount.
Auto loan score 80 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
As low as rate based on Titanium credit tier and 80% or better LTV. APR may vary depending on amount financed, term, credit history, and loan fees. Financing up to 125% of MSRP (includes tax, license and MRC) + GAP. An additional 0.25% discount may be available when automatic loan payments are set up from a Sierra Central Checking account within 60 days of funding. Payment example: Estimated APR of 7.24% on $35,000 for 60 months = $700.00/mo.
Auto loan score 80 · 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