Auto Loan Rates in Richmond, California (CA) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Richmond, California. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Richmond, California include 1st Northern California Credit Union1st Northern California Credit Union2500 Nevin Ave, Richmond, CA, 94804A+5.0 ★Texas Ratio: 0.24% offering New/Used Auto Loans at 4.50%, Sun Pacific Federal Credit UnionSun Pacific Federal Credit Union1221 Nevin Ave, Richmond, CA, 94801 3123A+5.0 ★Texas Ratio: 3.58% offering Car Loans at 4.55%, Travis Credit UnionTravis Credit Union3300 Klose Way Ste A, Richmond, CA, 94806A+5.0 ★Texas Ratio: 5.03% offering New Auto Loans at 4.74%, Chevron Federal Credit UnionChevron Federal Credit Union200 Chevron Way Rm 10 2114, Richmond, CA, 94801A+5.0 ★Texas Ratio: 2.14% offering Auto Loans at 4.99%, Atchison Village Credit UnionAtchison Village Credit Union270A Curry St, Richmond, CA, 94801B4.5 ★Texas Ratio: 20.49% offering New Vehicle Loan at 5.49%. Auto loan rates as of June 1, 2026 according to verified data from MonitorBankRates.
Richmond has 5 local institutions in our database, with auto loan rates as low as 4.50% APR from 1st Northern California Credit Union at 2500 Nevin Ave, Richmond, CA, 94804. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Richmond, California. Auto Loan Rates Last Updated and Verified: June 1, 2026
Compare Auto Loan Rates Today in Richmond, California & Surrounding Area
Richmond Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
2500 Nevin Ave, Richmond, CA, 94804
New/Used Auto Loans
4.50%
Up to 36 months
▼
APR4.50%
TermUp to 36 months
Last UpdatedMay 20, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
Car Loans
4.55%
2 Months
▼
APR4.55%
Term2 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
Car Loans
4.65%
3 Months
▼
APR4.65%
Term3 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade a++
4.70%
2 Months
▼
APR4.70%
Term2 Months
Last UpdatedMay 22, 2026
Details
2011 to 2015
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Klose Way Ste A, Richmond, CA, 94806
New Auto Loans
4.74%
Up to 36
▼
APR4.74%
TermUp to 36
Last UpdatedMay 20, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
Car Loans
4.75%
4 Months
▼
APR4.75%
Term4 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade a++
4.80%
3 Months
▼
APR4.80%
Term3 Months
Last UpdatedMay 22, 2026
Details
2016 to 2019
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Klose Way Ste A, Richmond, CA, 94806
New Auto Loans
4.84%
61 to 66
▼
APR4.84%
Term61 to 66
Last UpdatedMay 20, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
Car Loans
4.85%
5 Months
▼
APR4.85%
Term5 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade a++
4.90%
4 Months
▼
APR4.90%
Term4 Months
Last UpdatedMay 22, 2026
Details
2020 to 2024
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
Car Loans
4.95%
6 Months
▼
APR4.95%
Term6 Months
Last UpdatedMay 22, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Klose Way Ste A, Richmond, CA, 94806
Used Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
200 Chevron Way Rm 10 2114, Richmond, CA, 94801
Auto Loans
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedMay 30, 2026
Details
New Auto, 12-60 Month Term
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade a++
5.00%
5 Months
▼
APR5.00%
Term5 Months
Last UpdatedMay 22, 2026
Details
2025 to 2027
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade a+
5.05%
2 Months
▼
APR5.05%
Term2 Months
Last UpdatedMay 22, 2026
Details
Model Year 2011 to 2015
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Klose Way Ste A, Richmond, CA, 94806
Used Auto Loans
5.09%
66 Months
▼
APR5.09%
Term66 Months
Last UpdatedMay 20, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade a++
5.10%
6 Months
▼
APR5.10%
Term6 Months
Last UpdatedMay 22, 2026
Details
2025 to 2027
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade a+
5.15%
3 Months
▼
APR5.15%
Term3 Months
Last UpdatedMay 22, 2026
Details
Model Year 2016 to 2019
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Klose Way Ste A, Richmond, CA, 94806
New Auto Loans
5.24%
79 to 84
▼
APR5.24%
Term79 to 84
Last UpdatedMay 20, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
2500 Nevin Ave, Richmond, CA, 94804
New/Used Auto Loans
5.24%
73 - 84 months
▼
APR5.24%
Term73 - 84 months
Last UpdatedMay 20, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade a+
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedMay 22, 2026
Details
Model Year 2020 to 2024
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade a+
5.35%
5 Months
▼
APR5.35%
Term5 Months
Last UpdatedMay 22, 2026
Details
Model Year 2025 to 2027
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade a+
5.45%
6 Months
▼
APR5.45%
Term6 Months
Last UpdatedMay 22, 2026
Details
Model Year 2025 to 2027
Atchison Village Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
New Vehicle Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMay 18, 2026
Details
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Klose Way Ste A, Richmond, CA, 94806
Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
Car Loans
5.65%
7 Months
▼
APR5.65%
Term7 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade a++
5.80%
7 Months
▼
APR5.80%
Term7 Months
Last UpdatedMay 22, 2026
Details
2025 to 2027
Atchison Village Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Used Vehicle Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedMay 18, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade a+
6.15%
7 Months
▼
APR6.15%
Term7 Months
Last UpdatedMay 22, 2026
Details
Model Year 2025 to 2027
Atchison Village Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
New Vehicle Loan
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedMay 18, 2026
Details
Atchison Village Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
New Vehicle Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMay 18, 2026
Details
Atchison Village Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Used Vehicle Loan
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedMay 18, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade b+
8.15%
2 Months
▼
APR8.15%
Term2 Months
Last UpdatedMay 22, 2026
Details
2011 to 2015 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade b+
8.25%
3 Months
▼
APR8.25%
Term3 Months
Last UpdatedMay 22, 2026
Details
2016 to 2019 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade b+
8.35%
4 Months
▼
APR8.35%
Term4 Months
Last UpdatedMay 22, 2026
Details
2020 to 2024 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade b+
8.45%
5 Months
▼
APR8.45%
Term5 Months
Last UpdatedMay 22, 2026
Details
2025 to 2027 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade b+
8.55%
6 Months
▼
APR8.55%
Term6 Months
Last UpdatedMay 22, 2026
Details
2025 to 2027 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade b+
9.25%
7 Months
▼
APR9.25%
Term7 Months
Last UpdatedMay 22, 2026
Details
2025 to 2027 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade c+
10.10%
2 Months
▼
APR10.10%
Term2 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade c+
10.20%
3 Months
▼
APR10.20%
Term3 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade c+
10.30%
4 Months
▼
APR10.30%
Term4 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade c+
10.40%
5 Months
▼
APR10.40%
Term5 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade c+
10.50%
6 Months
▼
APR10.50%
Term6 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Nevin Ave, Richmond, CA, 94801 3123
car loans risk grade c+
11.20%
7 Months
▼
APR11.20%
Term7 Months
Last UpdatedMay 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMay 20, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
New & Used Auto Loans
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 29, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMay 20, 2026
Details
Golden Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.74%
New and Used auto loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; This special will ONLY cover New and Used auto loans. These rates will be for New Money Loans Only for the period of 3/1/26-5/31/26. Vehicles 10 YRS old and Newer. Rates are subject to change without notice and are based on credit approval.
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans 2025-2026
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 23, 2026
Details
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New Auto
3.75%
12 to 36 months
▼
APR3.75%
Term12 to 36 months
Last UpdatedMay 22, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans 2025-2026
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 23, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Autos (2023 and newer)
3.87%
Up to 48 Months
▼
APR3.87%
TermUp to 48 Months
Last UpdatedJun 1, 2026
Details
As Low As; Up to 100% of MSRP or Retail Kelley Blue book plus tax, title & licensing
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Automobiles & Trucks
3.90%
1 to 60 Months
▼
APR3.90%
Term1 to 60 Months
Last UpdatedMay 17, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
2025-2026; Up to 60 Months
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos 2025-2026
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
2021 to 2025 Models; Up to 60 Months
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 to 2025 Models
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As; No Payments for up to 90 Days
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As; 24 month to 84 month terms
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Vehicles Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; with discount
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
New Auto (2022 or newer)
3.99%
66 Months
▼
APR3.99%
Term66 Months
Last UpdatedMay 23, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loans (2022 or newer)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
New & Used Auto Loans
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedMay 29, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 30, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
New Auto
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; Terms up to 84 months available.**
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used Auto
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; Terms up to 72 months available.**
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New Auto
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedMay 22, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans 2025-2026
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 23, 2026
Details
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
Used Auto Loans
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMay 30, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
New Auto Loans
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedMay 20, 2026
Details
As Low As
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Vehicles Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
New Auto - 2026 or Newer with Less than 5K Miles
4.24%
1-12 Months
▼
APR4.24%
Term1-12 Months
Last UpdatedMay 30, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New Vehicle Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMay 20, 2026
Details
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; No Payments for up to 90 Days
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans - Cars, Trucks, and SUVs
4.25%
24 months
▼
APR4.25%
Term24 months
Last UpdatedMay 22, 2026
Details
As Low As
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New Vehicle Loan
4.25%
36 - 60
▼
APR4.25%
Term36 - 60
Last UpdatedMay 22, 2026
Details
As Low As
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Used Vehicle Loan
4.25%
36 - 60
▼
APR4.25%
Term36 - 60
Last UpdatedMay 22, 2026
Details
As Low As
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New Auto
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
Used Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Autos (2022 and older)
4.37%
Up to 48 Months
▼
APR4.37%
TermUp to 48 Months
Last UpdatedJun 1, 2026
Details
As Low As; Up to 100% of Retail Kelley Blue book plus tax, title & licensing
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
New & Used Vehicle Loan
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
New Vehicles (2023 & newer)
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMay 20, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Fixed Rate New Auto Loans
4.39%
36 Months
▼
APR4.39%
Term36 Months
Last UpdatedJun 1, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Universal City Studios Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.28%
New Automobiles, Trucks, Vans
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedMay 20, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New Vehicles Fixed
4.49%
Up to 3 years
▼
APR4.49%
TermUp to 3 years
Last UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
Used Auto Loan
4.49%
3 Months
▼
APR4.49%
Term3 Months
Last UpdatedMay 20, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
New Vehicle Loans 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
New Vehicle Loans 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
New Vehicle Loans 60-66 Months
4.49%
66 Months
▼
APR4.49%
Term66 Months
Last UpdatedMay 20, 2026
Details
with Autopay
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
Autos
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; 2026 & Newer
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Models 2025 or newer (under 10,000 miles) Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
New Auto (2022 or newer)
4.49%
75 Months
▼
APR4.49%
Term75 Months
Last UpdatedMay 23, 2026
Details
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Used Auto (2021 or older)
4.49%
66 Months
▼
APR4.49%
Term66 Months
Last UpdatedMay 23, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 20, 2026
Details
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans - Cars, Trucks, and SUVs
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedMay 22, 2026
Details
As Low As
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New Auto
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedMay 22, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Vehicles Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; with discount
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans 2025-2026
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 23, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
2022 and newer Auto Loan
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedMay 20, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year
▼
APR4.59%
Term3-7 year
Last UpdatedMay 29, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
New Auto Loan
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As; Range of Rates
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
New Auto Loans
4.59%
36 months
▼
APR4.59%
Term36 months
Last UpdatedMay 30, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
School Employee Auto Loan with Summers Off
4.59%
36 months
▼
APR4.59%
Term36 months
Last UpdatedMay 30, 2026
Details
As Low As; Range of Rates - New
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
School Employee Auto Loan with Summers Off - New
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Fixed Rate New Auto Loans
4.59%
54 Months
▼
APR4.59%
Term54 Months
Last UpdatedJun 1, 2026
Details
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Autos (2023 and newer)
4.62%
Up to 84 Months
▼
APR4.62%
TermUp to 84 Months
Last UpdatedJun 1, 2026
Details
As Low As; Up to 100% of MSRP or Retail Kelley Blue book plus tax, title & licensing
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.64%
Up to 36 months
▼
APR4.64%
TermUp to 36 months
Last UpdatedMay 29, 2026
Details
As Low As
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
New & Used Vehicle Loan
4.68%
72 Months
▼
APR4.68%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
California Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Auto Loan
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 48 Months
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 21, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 22, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Used Auto
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 22, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Fixed Rate New Auto Loans
4.69%
66 Months
▼
APR4.69%
Term66 Months
Last UpdatedJun 1, 2026
Details
Merco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.47%
New & Used Vehicles
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New Vehicles Fixed
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedMay 20, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
New Auto Loans
4.74%
4 Months
▼
APR4.74%
Term4 Months
Last UpdatedMay 20, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
New Vehicle Loans 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
without Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
New Vehicle Loans 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 20, 2026
Details
without Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
New Vehicle Loans 60-66 Months
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedMay 20, 2026
Details
without Autopay
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
New Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
LBS Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Autos, Trucks and Vans (New & Used)
4.74%
36-66
▼
APR4.74%
Term36-66
Last UpdatedMay 20, 2026
Details
As Low As; New (Model years 2026 or newer)
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.39%
New Autos
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; 2026 & Newer
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.74%
New Auto Loans
4.74%
24-48
▼
APR4.74%
Term24-48
Last UpdatedMay 22, 2026
Details
As Low As; **
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.59%
Vehicle Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Financing: 100%
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.47%
Auto Loans
4.74%
2-Year
▼
APR4.74%
Term2-Year
Last UpdatedMay 22, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Models 2025 or newer (under 10,000 miles) Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 22, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles) Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 22, 2026
Details
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Vehicles Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; with discount
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Used Auto (2021 or older)
4.74%
75 Months
▼
APR4.74%
Term75 Months
Last UpdatedMay 23, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loans (2022 or newer)
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Auto Loan Refinancing
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
New Vehicle Loan
4.74%
1 - 48
▼
APR4.74%
Term1 - 48
Last UpdatedMay 23, 2026
Details
As Low As; Max. Loan Up to $125,000
Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
New Automobile and Truck
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%.
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Auto Loans
4.75%
7 Years
▼
APR4.75%
Term7 Years
Last UpdatedMay 20, 2026
Details
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Auto Loans
4.75%
7 Years
▼
APR4.75%
Term7 Years
Last UpdatedMay 20, 2026
Details
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Terms: 60 months or less
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; No Payments for up to 90 Days
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans - Cars, Trucks, and SUVs
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Used Vehicle Loans - Cars, Trucks, and SUVs
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New Auto
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans 2025-2026
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedMay 23, 2026
Details
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
Used Auto Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
California Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
Auto Loan
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; $10,000 or Over
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 20, 2026
Details
2025-2026; 84 Months
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos 2025-2026
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 20, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto Loan
4.84%
48 Months
▼
APR4.84%
Term48 Months
Last UpdatedMay 22, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Used Auto
4.84%
48 Months
▼
APR4.84%
Term48 Months
Last UpdatedMay 22, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Auto
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As; 2025 or newer
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Pre-owned Auto
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMay 21, 2026
Details
As Low As
First California Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
New Auto Loans - 2023 and Newer Model Years
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; *Minimum Amount Financed $15,000
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Fixed Rate New Auto Loans
4.89%
78 Months
▼
APR4.89%
Term78 Months
Last UpdatedJun 1, 2026
Details
JACom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New Auto Loans
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMay 18, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto Loan
4.94%
60 Months
▼
APR4.94%
Term60 Months
Last UpdatedMay 22, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Used Auto
4.94%
60 Months
▼
APR4.94%
Term60 Months
Last UpdatedMay 22, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Vehicle Loan
4.94%
1-36
▼
APR4.94%
Term1-36
Last UpdatedMay 23, 2026
Details
As Low As; LTV <=75%
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
New Auto - 2026 or Newer with Less than 5K Miles
4.95%
13-36 Months
▼
APR4.95%
Term13-36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Vehicle
4.99%
Up to 48 months
▼
APR4.99%
TermUp to 48 months
Last UpdatedMay 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.28%
Used Automobiles, Trucks, Vans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 20, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New Vehicles Fixed
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 20, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
New Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
New Auto Loans
4.99%
5 Months
▼
APR4.99%
Term5 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
Used Auto Loan
4.99%
4 Months
▼
APR4.99%
Term4 Months
Last UpdatedMay 20, 2026
Details
As Low As
Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)
4.99%
12-48
▼
APR4.99%
Term12-48
Last UpdatedMay 20, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
New Vehicle Loans 72-78 Months
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedMay 20, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Used Vehicle Loans 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Used Vehicle Loans 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Used Vehicle Loans 60-66 Months
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 20, 2026
Details
with Autopay
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
New Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
New Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Powered by
MonitorBankRates
Richmond New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
2500 Nevin Ave, Richmond, CA, 94804
New/Used Auto Loans
4.50%
Up to 36 months
▼
APR4.50%
TermUp to 36 months
Last UpdatedMay 20, 2026
Details
As Low As
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Klose Way Ste A, Richmond, CA, 94806
New Auto Loans
4.74%
Up to 36
▼
APR4.74%
TermUp to 36
Last UpdatedMay 20, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Klose Way Ste A, Richmond, CA, 94806
New Auto Loans
4.84%
61 to 66
▼
APR4.84%
Term61 to 66
Last UpdatedMay 20, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Klose Way Ste A, Richmond, CA, 94806
New Auto Loans
5.24%
79 to 84
▼
APR5.24%
Term79 to 84
Last UpdatedMay 20, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
2500 Nevin Ave, Richmond, CA, 94804
New/Used Auto Loans
5.24%
73 - 84 months
▼
APR5.24%
Term73 - 84 months
Last UpdatedMay 20, 2026
Details
As Low As
Atchison Village Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
New Vehicle Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMay 18, 2026
Details
Atchison Village Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
New Vehicle Loan
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedMay 18, 2026
Details
Atchison Village Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
New Vehicle Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMay 18, 2026
Details
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMay 20, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
New & Used Auto Loans
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 29, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMay 20, 2026
Details
Golden Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.74%
New and Used auto loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; This special will ONLY cover New and Used auto loans. These rates will be for New Money Loans Only for the period of 3/1/26-5/31/26. Vehicles 10 YRS old and Newer. Rates are subject to change without notice and are based on credit approval.
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans 2025-2026
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 23, 2026
Details
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New Auto
3.75%
12 to 36 months
▼
APR3.75%
Term12 to 36 months
Last UpdatedMay 22, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans 2025-2026
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 23, 2026
Details
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Autos (2023 and newer)
3.87%
Up to 48 Months
▼
APR3.87%
TermUp to 48 Months
Last UpdatedJun 1, 2026
Details
As Low As; Up to 100% of MSRP or Retail Kelley Blue book plus tax, title & licensing
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
2025-2026; Up to 60 Months
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos 2025-2026
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As; No Payments for up to 90 Days
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Vehicles Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; with discount
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
New Auto (2022 or newer)
3.99%
66 Months
▼
APR3.99%
Term66 Months
Last UpdatedMay 23, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loans (2022 or newer)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
New & Used Auto Loans
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedMay 29, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 30, 2026
Details
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
New Auto
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; Terms up to 84 months available.**
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New Auto
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedMay 22, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans 2025-2026
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 23, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
New Auto Loans
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedMay 20, 2026
Details
As Low As
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Vehicles Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
New Auto - 2026 or Newer with Less than 5K Miles
4.24%
1-12 Months
▼
APR4.24%
Term1-12 Months
Last UpdatedMay 30, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New Vehicle Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMay 20, 2026
Details
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; No Payments for up to 90 Days
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans - Cars, Trucks, and SUVs
4.25%
24 months
▼
APR4.25%
Term24 months
Last UpdatedMay 22, 2026
Details
As Low As
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New Vehicle Loan
4.25%
36 - 60
▼
APR4.25%
Term36 - 60
Last UpdatedMay 22, 2026
Details
As Low As
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New Auto
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
New & Used Vehicle Loan
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
New Vehicles (2023 & newer)
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMay 20, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Fixed Rate New Auto Loans
4.39%
36 Months
▼
APR4.39%
Term36 Months
Last UpdatedJun 1, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Universal City Studios Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.28%
New Automobiles, Trucks, Vans
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedMay 20, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New Vehicles Fixed
4.49%
Up to 3 years
▼
APR4.49%
TermUp to 3 years
Last UpdatedMay 20, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
New Vehicle Loans 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
New Vehicle Loans 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
New Vehicle Loans 60-66 Months
4.49%
66 Months
▼
APR4.49%
Term66 Months
Last UpdatedMay 20, 2026
Details
with Autopay
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Models 2025 or newer (under 10,000 miles) Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
New Auto (2022 or newer)
4.49%
75 Months
▼
APR4.49%
Term75 Months
Last UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 20, 2026
Details
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans - Cars, Trucks, and SUVs
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedMay 22, 2026
Details
As Low As
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New Auto
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedMay 22, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Vehicles Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; with discount
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans 2025-2026
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 23, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
2022 and newer Auto Loan
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedMay 20, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year
▼
APR4.59%
Term3-7 year
Last UpdatedMay 29, 2026
Details
As Low As
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
New Auto Loan
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As; Range of Rates
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
New Auto Loans
4.59%
36 months
▼
APR4.59%
Term36 months
Last UpdatedMay 30, 2026
Details
SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
School Employee Auto Loan with Summers Off - New
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Fixed Rate New Auto Loans
4.59%
54 Months
▼
APR4.59%
Term54 Months
Last UpdatedJun 1, 2026
Details
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Autos (2023 and newer)
4.62%
Up to 84 Months
▼
APR4.62%
TermUp to 84 Months
Last UpdatedJun 1, 2026
Details
As Low As; Up to 100% of MSRP or Retail Kelley Blue book plus tax, title & licensing
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.64%
Up to 36 months
▼
APR4.64%
TermUp to 36 months
Last UpdatedMay 29, 2026
Details
As Low As
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
New & Used Vehicle Loan
4.68%
72 Months
▼
APR4.68%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 22, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Fixed Rate New Auto Loans
4.69%
66 Months
▼
APR4.69%
Term66 Months
Last UpdatedJun 1, 2026
Details
Merco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.47%
New & Used Vehicles
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New Vehicles Fixed
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedMay 20, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
New Auto Loans
4.74%
4 Months
▼
APR4.74%
Term4 Months
Last UpdatedMay 20, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
New Vehicle Loans 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
without Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
New Vehicle Loans 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 20, 2026
Details
without Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
New Vehicle Loans 60-66 Months
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedMay 20, 2026
Details
without Autopay
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
New Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
LBS Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Autos, Trucks and Vans (New & Used)
4.74%
36-66
▼
APR4.74%
Term36-66
Last UpdatedMay 20, 2026
Details
As Low As; New (Model years 2026 or newer)
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.39%
New Autos
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.74%
New Auto Loans
4.74%
24-48
▼
APR4.74%
Term24-48
Last UpdatedMay 22, 2026
Details
As Low As; **
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
New Vehicle Models 2025 or newer (under 10,000 miles) Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 22, 2026
Details
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Vehicles Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; with discount
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loans (2022 or newer)
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
New Vehicle Loan
4.74%
1 - 48
▼
APR4.74%
Term1 - 48
Last UpdatedMay 23, 2026
Details
As Low As; Max. Loan Up to $125,000
Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
New Automobile and Truck
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%.
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Auto Loans
4.75%
7 Years
▼
APR4.75%
Term7 Years
Last UpdatedMay 20, 2026
Details
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Terms: 60 months or less
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; No Payments for up to 90 Days
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans - Cars, Trucks, and SUVs
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New Auto
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans 2025-2026
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedMay 23, 2026
Details
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 20, 2026
Details
2025-2026; 84 Months
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos 2025-2026
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 20, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto Loan
4.84%
48 Months
▼
APR4.84%
Term48 Months
Last UpdatedMay 22, 2026
Details
Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Auto
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As; 2025 or newer
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
First California Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
New Auto Loans - 2023 and Newer Model Years
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; *Minimum Amount Financed $15,000
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Fixed Rate New Auto Loans
4.89%
78 Months
▼
APR4.89%
Term78 Months
Last UpdatedJun 1, 2026
Details
JACom Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New Auto Loans
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMay 18, 2026
Details
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto Loan
4.94%
60 Months
▼
APR4.94%
Term60 Months
Last UpdatedMay 22, 2026
Details
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
New Auto - 2026 or Newer with Less than 5K Miles
4.95%
13-36 Months
▼
APR4.95%
Term13-36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Vehicle
4.99%
Up to 48 months
▼
APR4.99%
TermUp to 48 months
Last UpdatedMay 17, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New Vehicles Fixed
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 20, 2026
Details
Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
New Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
New Auto Loans
4.99%
5 Months
▼
APR4.99%
Term5 Months
Last UpdatedMay 20, 2026
Details
As Low As
Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)
4.99%
12-48
▼
APR4.99%
Term12-48
Last UpdatedMay 20, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
New Vehicle Loans 72-78 Months
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedMay 20, 2026
Details
with Autopay
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
New Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
New Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Powered by
MonitorBankRates
Richmond Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
2500 Nevin Ave, Richmond, CA, 94804
New/Used Auto Loans
4.50%
Up to 36 months
▼
APR4.50%
TermUp to 36 months
Last UpdatedMay 20, 2026
Details
As Low As
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Klose Way Ste A, Richmond, CA, 94806
Used Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Klose Way Ste A, Richmond, CA, 94806
Used Auto Loans
5.09%
66 Months
▼
APR5.09%
Term66 Months
Last UpdatedMay 20, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
2500 Nevin Ave, Richmond, CA, 94804
New/Used Auto Loans
5.24%
73 - 84 months
▼
APR5.24%
Term73 - 84 months
Last UpdatedMay 20, 2026
Details
As Low As
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
3300 Klose Way Ste A, Richmond, CA, 94806
Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
Atchison Village Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Used Vehicle Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedMay 18, 2026
Details
Atchison Village Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.49%
270A Curry St, Richmond, CA, 94801
Used Vehicle Loan
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedMay 18, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
New & Used Auto Loans
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 29, 2026
Details
As Low As
Golden Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.74%
New and Used auto loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; This special will ONLY cover New and Used auto loans. These rates will be for New Money Loans Only for the period of 3/1/26-5/31/26. Vehicles 10 YRS old and Newer. Rates are subject to change without notice and are based on credit approval.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
2021 to 2025 Models; Up to 60 Months
Fresno Police Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos 2021 to 2025 Models
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As; No Payments for up to 90 Days
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
New & Used Auto Loans
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedMay 29, 2026
Details
As Low As
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used Auto
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; Terms up to 72 months available.**
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
Used Auto Loans
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMay 30, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; No Payments for up to 90 Days
Aerospace Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Used Vehicle Loan
4.25%
36 - 60
▼
APR4.25%
Term36 - 60
Last UpdatedMay 22, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
Used Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Autos (2022 and older)
4.37%
Up to 48 Months
▼
APR4.37%
TermUp to 48 Months
Last UpdatedJun 1, 2026
Details
As Low As; Up to 100% of Retail Kelley Blue book plus tax, title & licensing
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
New & Used Vehicle Loan
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
Used Auto Loan
4.49%
3 Months
▼
APR4.49%
Term3 Months
Last UpdatedMay 20, 2026
Details
As Low As
Popa Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Used Auto (2021 or older)
4.49%
66 Months
▼
APR4.49%
Term66 Months
Last UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.64%
Up to 36 months
▼
APR4.64%
TermUp to 36 months
Last UpdatedMay 29, 2026
Details
As Low As
Employees Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
New & Used Vehicle Loan
4.68%
72 Months
▼
APR4.68%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Used Auto
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 22, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Merco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.47%
New & Used Vehicles
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
LBS Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Autos, Trucks and Vans (New & Used)
4.74%
36-66
▼
APR4.74%
Term36-66
Last UpdatedMay 20, 2026
Details
As Low As; New (Model years 2026 or newer)
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles) Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 22, 2026
Details
Safe 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
Used Auto (2021 or older)
4.74%
75 Months
▼
APR4.74%
Term75 Months
Last UpdatedMay 23, 2026
Details
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Auto Loans
4.75%
7 Years
▼
APR4.75%
Term7 Years
Last UpdatedMay 20, 2026
Details
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; New Auto Purchase or Refinance
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; No Payments for up to 90 Days
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Used Vehicle Loans - Cars, Trucks, and SUVs
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
Used Auto Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Used Auto
4.84%
48 Months
▼
APR4.84%
Term48 Months
Last UpdatedMay 22, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Pre-owned Auto
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Used Auto
4.94%
60 Months
▼
APR4.94%
Term60 Months
Last UpdatedMay 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.28%
Used Automobiles, Trucks, Vans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedMay 20, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
Used Auto Loan
4.99%
4 Months
▼
APR4.99%
Term4 Months
Last UpdatedMay 20, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Used Vehicle Loans 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Used Vehicle Loans 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Used Vehicle Loans 60-66 Months
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 20, 2026
Details
with Autopay
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
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MonitorBankRates
Richmond, CA Auto Loan Rate Trends
Compare local Richmond, CA 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.
New Auto Loan — CA Avg
5.790%
▼ 0.087 vs 7 days ago
California new auto rates fell 0.087 points over the past 7 days to 5.790% APR.
Used Auto Loan — CA Avg
6.033%
▼ 0.079 vs 7 days ago
California used auto rates fell 0.079 points over the past 7 days to 6.033% APR.
As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Richmond, 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 Richmond, 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 Richmond, 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 Richmond, California
How does my credit score affect my car loan rate in California?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Richmond, California with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in California *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Richmond, California typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Richmond, California?
Based on our current data, some of the lowest auto loan rates available in Richmond, California include:
- 1st Northern California Credit Union: 4.50% (New/Used Auto Loans)
- Sun Pacific Federal Credit Union: 4.55% (Car Loans)
- Travis Credit Union: 4.74% (New Auto Loans)
- Chevron Federal Credit Union: 4.99% (Auto Loans)
- Atchison Village Credit Union: 5.49% (New Vehicle Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Richmond, California. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 1, 2026
Richmond, California Rates & Resources
Rate Assistant
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