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 16–30 of 42 in Riverside, CA metro · median 4.99% APR
- 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 85 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - Frontwave Credit UnionAuto Loans - Model Years 2024 or Newer (with Auto Pay & Elite Plus Checking Discounts) · 49–66 months
Credit union · 5 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 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 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 82 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 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 71 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 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 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99% APR. Rates may vary and are based on credit score and term of loan. Flexible terms up to 120 months.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 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 81 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 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 80 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 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 79 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 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 78 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 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 76 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Fixed rate. Term 5 Years.
Auto loan score 79 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Sample loan of $35,000 & Guaranteed Residual Value of $11,000 with estimated monthly payment of $505.05. APR as low as. Reflects 0.50% automatic payment discount.
Auto loan score 75 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
80% Financing. Base Rate. 1% premium added for 96-month term (min loan amount $41,000). Example payment per $1,000 borrowed at 5.25% APR for 60 months = $18.99.
Auto loan score 73 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches
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 Riverside, CA metro
42 banks and credit unions · checked Oct 7–22
- Typical
- 4.99%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.32%
- Credit unions, typical
- 4.89%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Riverside, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Thinkwise Credit UnionCredit union · 2 branches
- CU SoCalCredit union · 4 branches