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 1–11 of 11 in Stockton, CA metro · median 5.49% APR
- Central State Credit UnionNew Vehicle Loan: Model Year 2026 · up to 84 months
Credit union · 3 branches
4.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Terms up to 84 months. Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade and Warranty. To qualify for this rate, borrowers need 12 months of paid-as-agreed credit repayment history with the CU, plus auto debit/payment and/or ACH credit to their account monthly, OR a Loan-to-Value (LTV) of 80% or less. Rates vary with amount financed, term and your credit history. 90-day deferral of first payment is available (1,2, and 3 Tiers only).
Auto loan score 88 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Posted rate includes discounts of 0.50% for financing 100% LTV or less, 0.25% for automatic payment, and 0.25% for net direct deposit. Advertised rate based on Premier FICO score of 750+. Monthly payment is $18.64 per $1,000 financed.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Lowest rate offered. Rate determined by credit and ability to pay. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit.
Auto loan score 83 · Carrot Score 80
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 - 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 - 5.49%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 - 5.59%APRas low as
Terms
Repayment amount is $17.64 per $1,000 borrowed for 66 monthly payments at 5.59% APR. Rate determined by credit history.
Auto loan score 71 · Carrot Score 73
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 - 6.49%APRas low as · up to 21.99%
6.49% APR, up to 21.99%
Terms
Fixed rate; repayment term 66 months; minimum loan amount $10,000; estimated payment per $1,000 borrowed: $18.06 – $26.24.
Auto loan score 63 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 7.25%APRas low as · up to 13.25%
7.25% APR, up to 13.25%
Auto loan score 61 · Carrot Score 89
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 Stockton, CA metro
11 banks and credit unions · checked Oct 16–22
- Typical
- 5.49%
- Top 10% up to
- 4.49%
- Banks, typical
- 5.64%
- Credit unions, typical
- 5.14%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Stockton, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Certified Federal Credit UnionCredit union · 1 branch
- Self-Help Federal Credit UnionCredit union · 3 branches
- CitiBank · 1 branch