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 1–4 of 4 in Santa Cruz, CA metro · median 5.56% APR
- 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 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 9.74%
5.49% APR, up to 9.74%
Terms
Credit score 750+ for lowest APR; under 5 calendar years.
Auto loan score 73 · Carrot Score 79
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 - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
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 Santa Cruz, CA metro
4 banks and credit unions · checked Oct 16–22
- Typical
- 5.56%
- Top 10% up to
- 5.32%
- Banks, typical
- 5.94%
- Credit unions, typical
- 5.36%
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
- America First Credit UnionCredit union · 1 branch
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches