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 1–9 of 9 in Visalia, CA metro · median 5.64% APR
- Valley Oak Credit UnionSecured NEW Auto Loans (2023 + Newer) · up to 60 months
Credit union · 3 branches
4.50%APRas low asTerms
Minimum loan amount $10,000.
Auto loan score 82 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Tucoemas Federal Credit UnionAuto Loans (Model Year 2024 & Newer) · 49–60 months
Credit union · 5 branches
4.50%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2024 & Newer. As low as rate reflects up to 1.00% discount. Flexible terms up to 60 months available when financing up to $15,000.
Auto loan score 67 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 14.99%
4.99% APR, up to 14.99%
Terms
Estimated payment $17.36 - $22.34 per $1,000 borrowed. Refinances of existing Safe 1 loans not eligible.
Auto loan score 81 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - Educational Employees Credit UnionNew Auto Loan: 2023 and newer models · up to 60 months
Credit union · 4 branches
4.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
$5,000 minimum loan amount. Estimated monthly payment $18.87 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account.
Auto loan score 73 · Carrot Score 76
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 - Tulare County Federal Credit UnionNew Autos (2023 and newer) · up to 60 months
Credit union · 5 branches
5.87%APRas low as · up to 18.00%with conditions5.87% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Estimated monthly payment of $19.28 per $1,000 based on as low as rate.
Auto loan score 65 · Carrot Score 75
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 Visalia, CA metro
9 banks and credit unions · checked Oct 16–22
- Typical
- 5.64%
- Top 10% up to
- 4.50%
- Banks, typical
- 5.94%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
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Visalia, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Self-Help Federal Credit UnionCredit union · 1 branch
- Valley Oak Credit UnionCredit union · 3 branches