California Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in California include Inland Valley Federal Credit UnionInland Valley Federal Credit Union9389 Cherry Ave, Fontana, CA, 92335A+5.0 ★Texas Ratio: 1.24% offering New Vehicle Loan at 2.24%, Orange Countys Credit UnionOrange Countys Credit Union1701 E Saint Andrew Pl, Santa Ana, CA, 92705 offering Auto Loan at 2.25%, Foothill Credit UnionFoothill Credit Union250 W Colorado Blvd, Arcadia, CA, 91007A+5.0 ★Texas Ratio: 1.01% offering New Auto/Truck Loan at 3.05%, Long Beach Firemens Credit UnionLong Beach Firemens Credit Union2245 Argonne Ave, Long Beach, CA, 90815A+5.0 ★Texas Ratio: 0.97% offering New Vehicle Loan at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union18017 Sky Park Cir Ste A, Irvine, CA, 92614A+5.0 ★Texas Ratio: 2.50% offering New Auto at 3.34%. Auto loan rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across California side-by-side. California auto loan rates currently start as low as 2.24% APR from Inland Valley Federal Credit Union at 9389 Cherry Ave, Fontana, CA, 92335. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in California. Auto Loan Rates Last Updated and Verified: September 21, 2026
Compare Auto Loan Rates Today in California
California Auto Loan Rates
As Low As; 80% LTV
As Low As
As Low As; Standard preferred rate with a minimum 750 FICO and a 36-month term on a New Vehicle Loan. Excludes existing LLFCU auto loans. Subject to credit approval and membership eligibility. Some restrictions may apply. The rate quoted is the standard preferred rate plus 0.50% rate discount with direct deposit and 0.50% rate discount with automatic payment established, and 0.50% rate discount for direct SEG employers (see credit union for employer lists). Other terms and conditions may apply see Credit Union for details.
Published APR range: 3.49% to 18.00%. Est. Payment/$1,000 Borrowed: $29.30 to $36.15 based on a 36mo term
Year: 2026-2027
as low as; Loan Term
Published APR range: 3.74% to 18.00%. Est. Payment/$1,000 Borrowed: $29.41 to $36.15 based on a 36mo term
Year: 2026-2027
As low as with Relationship Rewards
New Vehicle. Rates shown include 0.90% APR loan rate discount for automatic payment.
As Low As
As Low As; The APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; The APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; The APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; The APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
No Payments for up to 90 Days; Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates.
On a 48-Month Term when you finance through our auto buying partner and purchase two ancillary products. Rates are effective as of September 1, 2026 and are subject to change without notice. Discounted Rates stated include discounts for using Wheelhouse Credit Union's auto buying service, New Cars Inc. (NCI), purchasing any two (2) ancillary products, and setting up loan auto-pay using your Inspired Checking Account. Internal refinances may not be eligible for all discounted rates. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts. To qualify for a discounted rate of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months, you must purchase a new vehicle from our auto buying service, New Cars Inc (NCI), and finance your purchase with Wheelhouse Credit Union. To qualify for a discounted rate of 0.25%, you must purchase any two (2) ancillary products. To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Membership is required. Federally insured by NCUA.
As Low As; Rates are effective as of September 1, 2026 and are subject to change without notice. Discounted Rates stated include discounts for using Wheelhouse Credit Union's auto buying service, New Cars Inc. (NCI), purchasing any two (2) ancillary products, and setting up loan auto-pay using your Inspired Checking Account. Internal refinances may not be eligible for all discounted rates. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts. To qualify for a discounted rate of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months, you must purchase a new vehicle from our auto buying service, New Cars Inc (NCI), and finance your purchase with Wheelhouse Credit Union. To qualify for a discounted rate of 0.25%, you must purchase any two (2) ancillary products. To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans. Other terms, conditions, and restrictions may apply.
APR* as low as
As Low As; Includes 0.50% discount for at least $750 monthly direct deposit to CU SoCal Checking Account and an additional 0.25% discount as a Rewards+ Loyalty Program Member. Discounts remain in effect for the life of the loan unless qualifying conditions are discontinued.
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
As Low As
New Auto Loan Rates are for autos not previously owned and/or less than 10,000 miles. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2025 - 2027
New Auto Loan Rates are for autos not previously owned and/or less than 10,000 miles. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2025 - 2027
New Auto Loan Rates are for autos not previously owned and/or less than 10,000 miles. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2025 - 2027
New Auto Loan Rates are for autos not previously owned and/or less than 10,000 miles. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2025 - 2027
New Auto Loan Rates are for autos not previously owned and/or less than 10,000 miles. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2025 - 2027
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Relationship Benefits discount of 0.50% for members with a POPA FCU direct deposit (Minimum $250 per month), or an automatic payment and enrolls in eStatements, and has a POPA FCU credit card.
Max Amount Financed: up to 125%
Max Amount Financed: up to 125%
Rates as low as; New Auto Loans (0 - 1 year)
Year: 2026-2027
Year: 2025-2015
As Low As; Terms up to 84 months available.**
As Low As; Terms up to 72 months available.**
Model Year: 2011 to 2015
New Vehicle. Rates shown include 0.90% APR loan rate discount for automatic payment.
As Low As
as low as; Loan Term
Model Year: 2016 to 2019
Rate includes 0.50% automatic payment discount from an ECSFCU checking account or payroll deduction. New Cars Inc. discount of 0.50% for loan terms up to 66 months. Rate shown is for well-qualified borrowers.
Rate applies to vehicles with less than 7,500 miles which have not been previously registered and are in the current or previous model year. All other vehicles subject to used car pricing. Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Cash out refinances allowed on vehicles with less than 100,000 miles and less than ten model years old. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older.
As Low As; **
As Low As; **
Finance Amount: Any Amount
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
1 As Low As
100% financing of purchase price, tax and license
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
No Payments for up to 90 Days; Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates.
As Low As; Financing up to 100% | Terms up to 84 months
Year: 2025-2015
Model Year: 2020 to 2024
Rates Starting As Low As*; Minimum Loan Amount: $2,000.00
As Low As
Loan Amount: $1,000 - 100,000; As Low As
Loan Amount: $5,000 - 100,000; As Low As
Loan Amount: $15,000 - 100,000; As Low As
Loan Amount: $1,000-100,000
Loan Amount: $5,000-100,000
Loan Amount: $15,000-100,000
As Low As; New and used vehicles
As Low As; New and used vehicles
Model Year: 2025 to 2027
Finance Amount: Any Amount
Financing Available: 2025 or newer
Financing Available: 2017 - 2024 model years, with less than 115,000 miles
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Annual Percentage Rate (Lowest)
New autos are defined as vehicles with less than 1,000 miles and may be financed up to 125% MSRP, depending on credit history. Used autos may be 20 years old or newer and may be financed up to 125% KBB value.
Model Year: 2011 to 2015
Rates as low as:
100% Financing
Model Year: 2025 to 2027
Maximum Amount: Up to 135% MSRP
As Low As;; Model Year: 2020 - 2021
Min-Max Amount: $10,000 - $90,000
LTV 135%
As Low As; Rates current as of August 24, 2026. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
As Low As; *
The rate shown is the APR. **; APR range: 4.49% / 3.99%
APR range: 4.49% / 3.99%
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Non-Variable
Non-Variable
As Low As
As Low As; **
Model Years: 2026 & Newer; Maximum Financing: Autos up to 130% of Dealer Invoice or Wholesale Value.
As Low As
As Low As
As Low As
As Low As; thru 10/6/26
APR* as low as; Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2021 - 2025
APR* as low as; Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2021 - 2025
APR* as low as; Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2021 - 2025
APR* as low as; Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2021 - 2025
APR* as low as; Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2021 - 2025
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Finance Amount: $10,000 and up
Model Years: 2016 or Newer
Vehicles 7 model years or newer with less than 75K miles
As low as; Rates shown are for our highest credit tier plus an Ambassador Loyalty+ bonus discount of 1.00%, which must be maintained throughout the loan term to receive the discounted rate. Longer loan terms are available at higher loan rates. Vehicles must be purchased from a franchise dealer in the state you live in. Refinances are limited to CA residents. Rate is based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As low as
Models 2025 or newer (under 10,000 miles); As Low As; 4.74%; 5.24%; 6.24%
Max Amount Financed: up to 125%
Max Amount Financed: up to 125%
Qualifications Required: 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.; As low as; 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. 90-day deferral of first payment is available (1,2, and 3 Tiers only).
100% financing of retail Kelley Blue Book for autos less than 6 years old
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As Low As; Financing up to 100% | Terms up to 84 months
As Low As; Financing up to 100% | Terms up to 84 months
Year: 2026-2027
As low as; Financing: Up to 125% of Kelley Blue Book, including tax & license (must be purchased from a dealership)
As low as; Financing: Up to 125% of Kelley Blue Book, including tax & license
As low as; Financing: Up to 125% of Kelley Blue Book, including tax & license
Rates As Low As*
Rates As Low As*
Rates As Low As*
Rates As Low As*
Model Year: 2016 to 2019
APR* as low as: 4.50%
APR* as low as: 4.50%
As Low As; 80% financing
As Low As
Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Receive 0.5% rate discount for EV, hybrid, or zero emissions vehicle. No payments for up to 90-days. Utilizing the 90-day no payment option will slightly increase your payment. Finance charges continue to accrue during the deferral period. Deferring your principal reduction. Additional terms available at other rates.
Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Receive 0.5% rate discount for EV, hybrid, or zero emissions vehicle. No payments for up to 90-days. Utilizing the 90-day no payment option will slightly increase your payment. Finance charges continue to accrue during the deferral period. Deferring your principal reduction. Additional terms available at other rates.
Used Vehicle. Rates shown include 0.90% APR loan rate discount for automatic payment.
New Vehicle. Rates shown include 0.90% APR loan rate discount for automatic payment.
As Low As;
As Low As
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Published APR range: 4.59% - 18.00%. New
Published APR range: 4.59% - 18.00%. New
Published APR range: 4.59% - 18.00%. New
Model Year: 2020 to 2024
Vehicles 7 model years or newer with less than 75K miles
$5,000
California New Auto Auto Loan Rates
As Low As; 80% LTV
As Low As
As Low As; Standard preferred rate with a minimum 750 FICO and a 36-month term on a New Vehicle Loan. Excludes existing LLFCU auto loans. Subject to credit approval and membership eligibility. Some restrictions may apply. The rate quoted is the standard preferred rate plus 0.50% rate discount with direct deposit and 0.50% rate discount with automatic payment established, and 0.50% rate discount for direct SEG employers (see credit union for employer lists). Other terms and conditions may apply see Credit Union for details.
Year: 2026-2027
as low as; Loan Term
Year: 2026-2027
No Payments for up to 90 Days; Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates.
On a 48-Month Term when you finance through our auto buying partner and purchase two ancillary products. Rates are effective as of September 1, 2026 and are subject to change without notice. Discounted Rates stated include discounts for using Wheelhouse Credit Union's auto buying service, New Cars Inc. (NCI), purchasing any two (2) ancillary products, and setting up loan auto-pay using your Inspired Checking Account. Internal refinances may not be eligible for all discounted rates. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts. To qualify for a discounted rate of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months, you must purchase a new vehicle from our auto buying service, New Cars Inc (NCI), and finance your purchase with Wheelhouse Credit Union. To qualify for a discounted rate of 0.25%, you must purchase any two (2) ancillary products. To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Membership is required. Federally insured by NCUA.
As Low As; Rates are effective as of September 1, 2026 and are subject to change without notice. Discounted Rates stated include discounts for using Wheelhouse Credit Union's auto buying service, New Cars Inc. (NCI), purchasing any two (2) ancillary products, and setting up loan auto-pay using your Inspired Checking Account. Internal refinances may not be eligible for all discounted rates. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts. To qualify for a discounted rate of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months, you must purchase a new vehicle from our auto buying service, New Cars Inc (NCI), and finance your purchase with Wheelhouse Credit Union. To qualify for a discounted rate of 0.25%, you must purchase any two (2) ancillary products. To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans. Other terms, conditions, and restrictions may apply.
APR* as low as
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
New Auto Loan Rates are for autos not previously owned and/or less than 10,000 miles. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2025 - 2027
New Auto Loan Rates are for autos not previously owned and/or less than 10,000 miles. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2025 - 2027
New Auto Loan Rates are for autos not previously owned and/or less than 10,000 miles. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2025 - 2027
New Auto Loan Rates are for autos not previously owned and/or less than 10,000 miles. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2025 - 2027
New Auto Loan Rates are for autos not previously owned and/or less than 10,000 miles. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.; Model Year: 2025 - 2027
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
Max Amount Financed: up to 125%
Rates as low as; New Auto Loans (0 - 1 year)
Year: 2026-2027
As Low As; Terms up to 84 months available.**
As Low As
as low as; Loan Term
Rate includes 0.50% automatic payment discount from an ECSFCU checking account or payroll deduction. New Cars Inc. discount of 0.50% for loan terms up to 66 months. Rate shown is for well-qualified borrowers.
Rate applies to vehicles with less than 7,500 miles which have not been previously registered and are in the current or previous model year. All other vehicles subject to used car pricing. Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Cash out refinances allowed on vehicles with less than 100,000 miles and less than ten model years old. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older.
As Low As; **
Finance Amount: Any Amount
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
1 As Low As
100% financing of purchase price, tax and license
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
No Payments for up to 90 Days; Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates.
As Low As; Financing up to 100% | Terms up to 84 months
As Low As
As Low As; New and used vehicles
Financing Available: 2025 or newer
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Annual Percentage Rate (Lowest)
Rates as low as:
Maximum Amount: Up to 135% MSRP
Min-Max Amount: $10,000 - $90,000
As Low As; Rates current as of August 24, 2026. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
As Low As; *
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Non-Variable
As Low As; **
As Low As
As Low As
As Low As
As Low As; thru 10/6/26
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Finance Amount: $10,000 and up
Model Years: 2016 or Newer
Vehicles 7 model years or newer with less than 75K miles
As low as; Rates shown are for our highest credit tier plus an Ambassador Loyalty+ bonus discount of 1.00%, which must be maintained throughout the loan term to receive the discounted rate. Longer loan terms are available at higher loan rates. Vehicles must be purchased from a franchise dealer in the state you live in. Refinances are limited to CA residents. Rate is based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice.
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
As low as
Models 2025 or newer (under 10,000 miles); As Low As; 4.74%; 5.24%; 6.24%
Max Amount Financed: up to 125%
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As Low As; Financing up to 100% | Terms up to 84 months
As Low As; Financing up to 100% | Terms up to 84 months
Year: 2026-2027
As low as; Financing: Up to 125% of Kelley Blue Book, including tax & license
Rates As Low As*
Rates As Low As*
Rates As Low As*
Rates As Low As*
As Low As
Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Receive 0.5% rate discount for EV, hybrid, or zero emissions vehicle. No payments for up to 90-days. Utilizing the 90-day no payment option will slightly increase your payment. Finance charges continue to accrue during the deferral period. Deferring your principal reduction. Additional terms available at other rates.
Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Receive 0.5% rate discount for EV, hybrid, or zero emissions vehicle. No payments for up to 90-days. Utilizing the 90-day no payment option will slightly increase your payment. Finance charges continue to accrue during the deferral period. Deferring your principal reduction. Additional terms available at other rates.
As Low As;
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Vehicles 7 model years or newer with less than 75K miles
$5,000
California Used Auto Auto Loan Rates
As Low As
No Payments for up to 90 Days; Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates.
As Low As; Rates are effective as of September 1, 2026 and are subject to change without notice. Discounted Rates stated include discounts for using Wheelhouse Credit Union's auto buying service, New Cars Inc. (NCI), purchasing any two (2) ancillary products, and setting up loan auto-pay using your Inspired Checking Account. Internal refinances may not be eligible for all discounted rates. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts. To qualify for a discounted rate of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months, you must purchase a new vehicle from our auto buying service, New Cars Inc (NCI), and finance your purchase with Wheelhouse Credit Union. To qualify for a discounted rate of 0.25%, you must purchase any two (2) ancillary products. To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans. Other terms, conditions, and restrictions may apply.
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Max Amount Financed: up to 125%
Year: 2025-2015
As Low As; Terms up to 72 months available.**
As Low As; **
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
No Payments for up to 90 Days; Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates.
Year: 2025-2015
Rates Starting As Low As*; Minimum Loan Amount: $2,000.00
As Low As; New and used vehicles
Finance Amount: Any Amount
Financing Available: 2017 - 2024 model years, with less than 115,000 miles
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Non-Variable
As Low As
As Low As
As Low As
As Low As; thru 10/6/26
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Posted rates includes discounts of .50% for financing 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit. All loans are made subject to credit approval. Actual rate based on credit worthiness, term, and LTV. Advertised rates are based on Premier FICO score of 750+. Rates subject to change without notice.
Model Years: 2016 or Newer
Vehicles 7 model years or newer with less than 75K miles
As low as; Rates shown are for our highest credit tier plus an Ambassador Loyalty+ bonus discount of 1.00%, which must be maintained throughout the loan term to receive the discounted rate. Longer loan terms are available at higher loan rates. Vehicles must be purchased from a franchise dealer in the state you live in. Refinances are limited to CA residents. Rate is based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice.
Max Amount Financed: up to 125%
100% financing of retail Kelley Blue Book for autos less than 6 years old
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As low as; Financing: Up to 125% of Kelley Blue Book, including tax & license
Rates As Low As*
Rates As Low As*
Rates As Low As*
Rates As Low As*
Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Receive 0.5% rate discount for EV, hybrid, or zero emissions vehicle. No payments for up to 90-days. Utilizing the 90-day no payment option will slightly increase your payment. Finance charges continue to accrue during the deferral period. Deferring your principal reduction. Additional terms available at other rates.
Annual Percentage Rate shown is our lowest available and reflects a .25% rate discount for electronic repayment and direct deposit enrollment. All loan rates are considered on an individual basis. The actual Annual Percentage Rate you receive will reflect your individual circumstances and may be higher than the Annual Percentage Rate shown. Receive 0.5% rate discount for EV, hybrid, or zero emissions vehicle. No payments for up to 90-days. Utilizing the 90-day no payment option will slightly increase your payment. Finance charges continue to accrue during the deferral period. Deferring your principal reduction. Additional terms available at other rates.
As Low As
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. New Auto
Published APR range: 4.59% - 18.00%. New Auto
Vehicles 7 model years or newer with less than 75K miles
California Auto Loan Rate Trends
Compare local California auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
California new auto rates rose 0.109 points over the past 7 days to 5.694% APR.
California used auto rates fell 0.033 points over the past 7 days to 5.965% APR.
California Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current California figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average California APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.69% APR CA average | Used Auto @ 5.96% APR CA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $287.86/mo | $289.74/mo | $1.88/mo |
| $25,000 | $479.77/mo | $482.91/mo | $3.14/mo |
| $35,000 | $671.68/mo | $676.07/mo | $4.39/mo |
| $45,000 | $863.59/mo | $869.23/mo | $5.65/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in California
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving California locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in California. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a California high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: California CD rates lock in a guaranteed return until you’re ready to buy
California Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $576 monthly car payment works out to roughly 14.1% of the median individual income in California. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in California, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in California. We’ve prefilled the APR with today’s CA new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our California auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for California directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in California. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in CA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in California
How does my credit score affect my car loan rate in California?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in California?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in California?
- Inland Valley Federal Credit Union: 2.24% (New Vehicle Loan)
- Orange Countys Credit Union: 2.25% (Auto Loan)
- Foothill Credit Union: 3.05% (New Auto/Truck Loan)
- Long Beach Firemens Credit Union: 3.25% (New Vehicle Loan)
- American Airlines Federal Credit Union: 3.34% (New Auto)
California Rates & Resources
Auto Loan Rates by City in California
