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 181–195 of 221 in California · median 4.99% APR
- 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 5.49% APR for terms up to 60 months. Monthly payment per $1,000 borrowed is $19.10. Includes 0.25% discount for automatic transfers. Longer terms available on qualifying loans.
Auto loan score 69 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - OceanAir Federal Credit UnionNew & Used Auto/Truck/Van (Model year 2026 to 2021) · 49–60 months
Credit union · 5 branches
5.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as includes 0.50% discount for automatic loan payments from Epic Premium Checking and 0.25% vehicle insurance discount.
Auto loan score 64 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 11.50%
5.50% APR, up to 11.50%
Terms
Save 0.25% when applying online upon approval of credit.
Auto loan score 72 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Auto loan score 68 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.55%APRas low as
Terms
As low as APR. Rate determined by creditworthiness, loan terms, mileage, age of collateral, and amount borrowed.
Auto loan score 67 · Carrot Score 79
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 - 5.59%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 5.59% APR for terms up to 60 months for 2022 or newer electric or plug-in hybrid vehicles. Includes 0.25% green loan discount.
Auto loan score 66 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low as · up to 18.00%with conditions
5.59% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate includes a 0.25% relationship discount and a 0.50% discount for LTV <= 80%. Financing up to 125% MSRP.
Auto loan score 64 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.60%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as (APR). Minimum loan amount $10,000. Term up to 66 months. Rate includes up to 0.75% discounts.
Auto loan score 66 · Carrot Score 65
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 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Vehicle model years 2022 - 2026.
Auto loan score 69 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Payment example: $480.39 on a $25,000 loan.
Auto loan score 69 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 66 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness.
Auto loan score 64 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.25% direct deposit discount. 84-month terms available for loans with a balance of $40,000 or more. On approved credit for 2022 and newer model years.
Auto loan score 63 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.84%APRas low as
Auto loan score 65 · Carrot Score 85
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