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 136–150 of 221 in California · median 4.99% APR
- 5.24%APRas low as
Terms
Rate as low as; subject to credit approval. May include 0.25% Auto Pay rate discount.
Auto loan score 79 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 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 - 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 70
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
Terms
As low as rate based on model year, credit history, and 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 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 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Sample loan of $35,000 & Guaranteed Residual Value of $11,000 with estimated monthly payment of $505.05. APR as low as. Reflects 0.50% automatic payment discount.
Auto loan score 75 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Max loan term 60 months. Payment per $1,000 borrowed is $18.98. Financing 100%.
Auto loan score 73 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 10.24%
5.24% APR, up to 10.24%
Terms
Tier A+ (800 - 850): 5.24%, Tier A (740 - 799): 5.74%, Tier B (670 - 739): 7.74%, Tier C (580 - 669): 8.74%, Tier D (300 - 579): 10.24%
Auto loan score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Discounted APR. Maximum financing 100% of MSRP + tax, lic, GAP. Models up to 3 years old. Purchase or refinanced.
Auto loan score 73 · Carrot Score 68
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 - 5.24%APRas low as · up to 13.99%with conditions
5.24% APR, up to 13.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles (cars, trucks, SUVs, motorcycles). Lowest rate assumes HomeFREE Discount Program participation.
Auto loan score 69 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low aswith conditions
This rate needs autopay.
Terms
80% financing. 0.25% discount applied for direct deposit. Rate adjusted based on credit score.
Auto loan score 77 · Carrot Score 70
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 California
221 banks and credit unions · checked Oct 16–23
- Typical
- 4.99%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.24%
- 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.
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