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 49 in San Francisco, CA metro · median 5.24% APR
- 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 87 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 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 81 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as
Terms
LTV <= 75%
Auto loan score 85 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
Credit Score: 720+; vehicle_condition: new
Auto loan score 82 · Carrot Score 88
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 2026 AND NEWER. LTV <= 100%. Well-qualified borrowers.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 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 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as · up to 17.99%
5.19% APR, up to 17.99%
Terms
No minimum loan amount specified.
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - Marin County Federal Credit UnionNew Automobile & Motorcycle · up to 60 months
Credit union · 1 branch
5.24%APRas low asTerms
Credit score 720+
Auto loan score 77 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Auto loan score 77 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
New auto loan; credit approval required; rate is as low as; vehicle model year current or within previous two years with mileage not exceeding 30,000
Auto loan score 76 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 14.74%
5.24% APR, up to 14.74%
Terms
Minimum loan amount $5,000. Example payment per $1,000 is $22.20 based on highest interest rate with maximum term.
Auto loan score 75 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 18.24%
5.24% APR, up to 18.24%
Terms
Includes a 0.50% discount for being a member for more than 6 months.
Auto loan score 71 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Monthly payment per $1,000 is $16.22. 0.26% rate discount on Zero Emission Vehicles.
Auto loan score 77 · Carrot Score 88
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 San Francisco, CA metro
49 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.45%
- Banks, typical
- 6.39%
- 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.
San Francisco, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st Nor Cal® Credit UnionCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 4 branches