San Francisco, CA 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 San Francisco, California include American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionSan Francisco International Airport Terminal 1, San Francisco, CA, 94128A+5.0 ★Texas Ratio: 2.50% offering New Auto at 3.34%, San Francisco Federal Credit UnionSan Francisco Federal Credit Union770 Golden Gate Ave, San Francisco, CA, 94102 3120A+5.0 ★Texas Ratio: 0.59% offering New Auto - 2026 or Newer with Less than 5K Miles at 4.24%, Redwood Credit UnionRedwood Credit Union1390 Market St, San Francisco, CA, 94102A+5.0 ★Texas Ratio: 3.94% offering Auto Loan at 4.39%, San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA, 94118 1903A+5.0 ★Texas Ratio: 4.92% offering New Autos: 2025 or newer Loan at 4.63%, The Police Credit UnionThe Police Credit Union802 Bryant St, San Francisco, CA, 94103A+5.0 ★Texas Ratio: 1.57% offering New Auto Loans at 4.74%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
San Francisco has 11 local institutions in our database, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union at San Francisco International Airport Terminal 1, San Francisco, CA, 94128. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in San Francisco, California. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in San Francisco, California & Surrounding Area
San Francisco Auto Loan Rates
As Low As
As Low As
As Low As
1 As Low As
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.
As Low As
$5,000
$10,000
$15,000
$25,000
LTV <=75%; As Low As*
LTV <=75%; As Low As**
LTV <=75%; As Low As*
1 As Low As
As Low As; Min. Loan Amount $30,000
As Low As
LTV > 75%; As Low As*
LTV <=75%; As Low As**
1 As Low As
LTV > 75%; As Low As**
1 As Low As
LTV > 75%; As Low As*
LTV <=75%; As Low As*
1 As Low As
1 As Low As
As Low As
LTV > 75%; As Low As**
LTV <=75%; As Low As**
As Low As; Lowest rate shown with a financed Loan-to-Value (LTV) ratio of 100%. Rates are subject to change depending on the loan term, loan to value (LTV), vehicle age, vehicle mileage, credit history, account relationship, or promotional programs.
As Low As
LTV > 75%; As Low As*
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As
As Low As
LTV <=75%; $25k and over; As Low As*
LTV > 75%; As Low As**
As Low As
As Low As
As Low As; Rates are valid as of September 21, 2026 and are subject to change. Terms over 72 months require a minimum loan of $20,000. Subject to credit rating.
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As
As Low As
As Low As
As Low As
As Low As
LTV > 75%; $25k and over; As Low As*
As Low As
LTV <=75%; $25k and over; As Low As**
As Low As
As Low As
As Low As
As Low As; $20K min
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
LTV > 75%; $25k and over; As Low As**
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As; Min. Loan Amount $30,000
Minimum Loan Amount $30,000
As Low As*
As Low As*
As Low As*
$5,000
$10,000
As Low As
As Low As; 80% LTV
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
Published rate range: 3.54% - 19.00%.
Published rate range: 3.54% - 19.00%.
As Low As; 2025 & Newer
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 3.75% with Relationship Rewards Example Payment Disclosure: To finance an auto loan of $15,000 at 4.75% APR for 36 months with $0.00 down payment would be a payment of $447.88 per month
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.
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)
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. Membership is required. Federally insured by NCUA.
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. Membership is required. Federally insured by NCUA.
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.
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. Membership is required. Federally insured by NCUA.
As Low As
Loan Maximum: $130,000
Loan Maximum: $130,000
As Low As; Includes a 0.50% discount when you have at least $750 monthly direct deposit to your CU SoCal Checking Account and an additional 0.25% discount as a Rewards+ Loyalty Program Member. Your APR may vary based on applicant's creditworthiness, loan amount, and loan term. If discount requirements are not met or are discontinued, the APR will be higher.
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.
Model Year: 2025-2026; 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.
Model Year: 2025-2026; 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.
Model Year: 2021 to 2025 Models; 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.
Model Year: 2021 to 2025 Models; 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
As Low As; Terms up to 84 months available.**
As Low As; Terms up to 72 months available.**
Year: 2026-2027
Maximum APR: 13.50%
Model Year: 2011 to 2015
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
As Low As; 2025 & Newer
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.
As Low As; **
As Low As; **
Finance Amount: Any Amount
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
100% financing of purchase price, tax and license
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
Loan Maximum: $130,000
Loan Maximum: $130,000
Published APR range: 4.24% - 15.99%.
Published APR range: 4.24% - 17.74%.
Published APR range: 4.24% - 17.74%.
Published APR range: 4.24% - 17.74%.
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
Model Year: 2020 to 2024
Rates Starting As Low As*; Minimum Loan Amount: $2,000.00
As Low As
Maximum APR: 13.75%
Published APR range: 4.29-18.79%.
Loan Amount: $1,000 - 100,000
Loan Amount: $5,000 - 100,000
Loan Amount: $15,000 - 100,000
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
Published APR range: 4.34% - 17.74%.
Published APR range: 4.34% - 17.74%.
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) to Annual Percentage Rate (Highest)
Published APR range: 4.39% - 17.99%.
Model Year: 2011 to 2015
San Francisco New Auto Auto Loan Rates
As Low As
As Low As
1 As Low As
$5,000
$10,000
$15,000
$25,000
LTV <=75%; As Low As*
LTV <=75%; As Low As*
1 As Low As
As Low As; Min. Loan Amount $30,000
LTV > 75%; As Low As*
1 As Low As
1 As Low As
LTV > 75%; As Low As*
LTV <=75%; As Low As*
1 As Low As
1 As Low As
As Low As
As Low As
LTV > 75%; As Low As*
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As
As Low As
LTV <=75%; $25k and over; As Low As*
As Low As
As Low As; Rates are valid as of September 21, 2026 and are subject to change. Terms over 72 months require a minimum loan of $20,000. Subject to credit rating.
As Low As
As Low As
As Low As
LTV > 75%; $25k and over; As Low As*
As Low As
As Low As; $20K min
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As; Min. Loan Amount $30,000
As Low As; 80% LTV
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
Published rate range: 3.54% - 19.00%.
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.
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)
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. Membership is required. Federally insured by NCUA.
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. Membership is required. Federally insured by NCUA.
As Low As
Loan Maximum: $130,000
Loan Maximum: $130,000
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.
Model Year: 2025-2026; 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.
Model Year: 2025-2026; 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; Terms up to 84 months available.**
Year: 2026-2027
Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time.
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.
As Low As; **
Finance Amount: Any Amount
Financing LTV based upon creditworthiness: 120%; Minimum Loan Amount: $5,000
100% financing of purchase price, tax and license
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
Published APR range: 4.24% - 15.99%.
Published APR range: 4.24% - 17.74%.
Published APR range: 4.24% - 17.74%.
Published APR range: 4.24% - 17.74%.
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
Published APR range: 4.29-18.79%.
As Low As; New and used vehicles
Published APR range: 4.34% - 17.74%.
Published APR range: 4.34% - 17.74%.
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) to Annual Percentage Rate (Highest)
Published APR range: 4.39% - 17.99%.
San Francisco Used Auto Auto Loan Rates
As Low As
As Low As
LTV <=75%; As Low As**
As Low As
LTV <=75%; As Low As**
LTV > 75%; As Low As**
LTV > 75%; As Low As**
LTV <=75%; As Low As**
LTV > 75%; As Low As**
As Low As
As Low As
As Low As; Rates are valid as of September 21, 2026 and are subject to change. Terms over 72 months require a minimum loan of $20,000. Subject to credit rating.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As
As Low As
As Low As
As Low As
As Low As
LTV <=75%; $25k and over; As Low As**
As Low As
As Low As
As Low As
As Low As; $20K min
LTV > 75%; $25k and over; As Low As**
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Minimum Loan Amount $30,000
Published rate range: 3.54% - 19.00%.
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.
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%
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. Membership is required. Federally insured by NCUA.
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.
Model Year: 2021 to 2025 Models; 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.
Model Year: 2021 to 2025 Models; 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; Terms up to 72 months available.**
Maximum APR: 13.50%
As Low As; **
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
Loan Maximum: $130,000
Loan Maximum: $130,000
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.
Rates Starting As Low As*; Minimum Loan Amount: $2,000.00
Maximum APR: 13.75%
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.
San Francisco, CA Auto Loan Rate Trends
Compare local San Francisco, 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.
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.
San Francisco, CA 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 San Francisco, California
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving San Francisco, 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 San Francisco, 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: San Francisco, California CD rates lock in a guaranteed return until you’re ready to buy
San Francisco, 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 8.3% of the median individual income in San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, California?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- San Francisco Federal Credit Union: 4.24% (New Auto - 2026 or Newer with Less than 5K Miles)
- Redwood Credit Union: 4.39% (Auto Loan)
- San Francisco Fire Credit Union: 4.63% (New Autos: 2025 or newer Loan)
- The Police Credit Union: 4.74% (New Auto Loans)
San Francisco, California Rates & Resources
