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 1–15 of 23 in San Jose, CA metro · median 5.49% APR
- 3.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 125% of MSRP, Maximum $30,000.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed rate 'As Low As'. Includes 1.00% Ambassador Loyalty+ bonus discount (must be maintained throughout loan term) and highest credit tier. Vehicles 7 model years or newer with less than 75K miles. Terms up to 48 months: vehicles must be less than 7 model years old (2020-2026+) with less than 75,000 miles, minimum loan amount $5,000. Terms 49 to 60 months: vehicles must be less than 5 model years old (2022-2026+) with less than 60,000 miles, minimum loan amount $10,000.
Auto loan score 87 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 8.75%
4.75% APR, up to 8.75%
Terms
APR based on credit qualification. Fixed rate. Sample payment on an 84-month loan is $14.02 to $15.96 per $1,000 financed. Promotional rates do not apply to a Star One loan refinance or rate modification.
Auto loan score 87 · Carrot Score 98
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 - First Tech Federal Credit UnionNew Auto Loan - 2025 and Newer Models · up to 65 months
Credit union · 3 branches
4.99%APRas low asTerms
Rate as low as 4.99% APR for 65 months term with loan amount $1,000 to $300,000.
Auto loan score 83 · Carrot Score 79
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 - 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 - 5.25%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 - 5.29%APRas low as · up to 16.04%
5.29% APR, up to 16.04%
Terms
Model years 2025-2026
Auto loan score 75 · Carrot Score 77
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 - 5.35%APRas low as
Terms
Minimum loan amount $7,500.
Auto loan score 73 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 19.00%
5.49% APR, up to 19.00%
Terms
Minimum loan amount is $5,000 (exceptions possible for < $5,000).
Auto loan score 70 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 14.24%
5.49% APR, up to 14.24%
Auto loan score 70 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Minimum loan amount $15,000. Rates and terms dependent on creditworthiness.
Auto loan score 70 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
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 Jose, CA metro
23 banks and credit unions · checked Oct 7–22
- Typical
- 5.49%
- Top 10% up to
- 4.80%
- Banks, typical
- 6.32%
- Credit unions, typical
- 5.29%
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 Jose, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Star One Credit UnionCredit union · 6 branches
- Stanford Federal Credit UnionCredit union · 5 branches
- First BankBank · 1 branch