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 46–60 of 222 in California · median 4.99% APR
- 4.49%APRas low as · up to 7.99%
4.49% APR, up to 7.99%
Terms
For 2023 & newer vehicles. Up to 110% financing.
Auto loan score 86 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 14.79%
4.49% APR, up to 14.79%
Terms
Maximum term 84 months. Maximum loan amount $75,000.
Auto loan score 86 · Carrot Score 70
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
As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.50% New Cars Inc. discount. Finance amount $10,000 and up. Maximum term 60 months.
Auto loan score 85 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
With 0.25% discount for direct deposit of at least $1,000/month to POLAM FCU account. FICO 700+ for lowest rate.
Auto loan score 83 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest available rate; includes 0.50% combined discount.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - Parishioners Federal Credit UnionNew (2025-2026) and Used Autos (current model years) · up to 60 months
Credit union · 1 branch
4.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as 4.49% (APR Without Discounts: 5.49%). Includes up to 1.00% in available discounts.
Auto loan score 81 · Carrot Score 82
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
Rate includes 1.00% rate discount for payment by Automatic Transfer. Current & prior 5 years. 100% Financing.
Auto loan score 69 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate requires automatic payments from an AFCU Checking Account. Loan applications must be submitted and funded by October 31, 2026. Rate based on creditworthiness. Monthly payment per $1,000 borrowed for 60 months is $18.65.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Financing up to 125% of Kelley Blue Book including tax & license. Rate discounts up to 1.00% available (Auto Pay 0.50%, Gas Saver 0.50%).
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
FICO 760 and above
Auto loan score 89 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 18.00%
4.50% APR, up to 18.00%
Terms
Please submit proof of income with your loan application for all non-share secured loans.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - USPS Federal Credit UnionHybrid & Electric Vehicles Auto Loan · up to 84 months
Credit union · 1 branch
4.50%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as 3.50% APR with Relationship Rewards. 0.25% off regular auto loan rates for hybrid and electric vehicles. Terms up to 84 months.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates as low as stated APR for term 37 - 60 months.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Maximum loan amount $150,000.00. APR as low as 4.50%. Term up to 96 months.
Auto loan score 85 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate is as low as 4.50% APR for terms of 3 to 7 years (36-84 months). Rate based on creditworthiness and loan term. Lowest rates includes discounts available of 0.25% for automatic payment and 0.25% for direct deposit into an IFCU checking account.
Auto loan score 83 · Carrot Score 78
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
222 banks and credit unions · checked Oct 16–22
- 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