Auto Loan Rates in Santa Ana, California (CA) for April 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 Santa Ana, California. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Santa Ana, California include Baxter Credit UnionBaxter Credit Union1901 E Alton Ave Ste 130, Santa Ana, CA, 92705 5849A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, California Credit UnionCalifornia Credit Union1313 W 17th ST STE C, Santa Ana, CA, 92706 3308A+5.0 ★Texas Ratio: 1.98% offering Auto Loan Refinancing at 4.99%, Orange Countys Credit UnionOrange Countys Credit Union1701 E Saint Andrew Pl, Santa Ana, CA, 92705A+5.0 ★Texas Ratio: 4.12% offering New Auto Loan at 4.99%, Eagle Community Credit UnionEagle Community Credit Union3101 W Sunflower Ave, Santa Ana, CA, 92799A+5.0 ★Texas Ratio: 3.74% offering Used Auto at 5.24%, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union3715 S Bristol St Ste A, Santa Ana, CA, 92704B4.4 ★Texas Ratio: 21.76% offering New & Used Vehicles2 at 5.74%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Santa Ana has 5 local institutions in our database, with auto loan rates as low as 3.24% APR from Baxter Credit Union at 1901 E Alton Ave Ste 130, Santa Ana, CA, 92705 5849. 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 Santa Ana, California. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in Santa Ana, California & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1901 E Alton Ave Ste 130, Santa Ana, CA, 92705 5849
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1901 E Alton Ave Ste 130, Santa Ana, CA, 92705 5849
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1901 E Alton Ave Ste 130, Santa Ana, CA, 92705 5849
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
1313 W 17th ST STE C, Santa Ana, CA, 92706 3308
Auto Loan Refinancing
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
From 4.99% - 18.00% APR1
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1901 E Alton Ave Ste 130, Santa Ana, CA, 92705 5849
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
New Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
1313 W 17th ST STE C, Santa Ana, CA, 92706 3308
Auto Loan Refinancing
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedApr 18, 2026
Details
From 5.24% - 18.00% APR1
Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
3101 W Sunflower Ave, Santa Ana, CA, 92799
Used Auto
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles.
California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
1313 W 17th ST STE C, Santa Ana, CA, 92706 3308
Auto Loan Refinancing
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
From 5.49% - 18.00% APR1
Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
3101 W Sunflower Ave, Santa Ana, CA, 92799
Used Auto
5.49%
61-72 Months
▼
APR5.49%
Term61-72 Months
Last UpdatedApr 19, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles.
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
New Auto Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
Used Auto Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
3715 S Bristol St Ste A, Santa Ana, CA, 92704
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
3101 W Sunflower Ave, Santa Ana, CA, 92799
Used Auto
5.99%
73-84 Months
▼
APR5.99%
Term73-84 Months
Last UpdatedApr 19, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1901 E Alton Ave Ste 130, Santa Ana, CA, 92705 5849
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
New Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
Used Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
New Auto Loan
6.89%
84 Months
▼
APR6.89%
Term84 Months
Last UpdatedApr 19, 2026
Details
California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
1313 W 17th ST STE C, Santa Ana, CA, 92706 3308
Auto Loan Refinancing
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
From 6.99% - 18.00% APR1
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
3715 S Bristol St Ste A, Santa Ana, CA, 92704
Classic Vehicle Loans2
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
Auto Loan
12.50%
12 Months
▼
APR12.50%
Term12 Months
Last UpdatedApr 19, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
Auto Loan
13.50%
60 Months
▼
APR13.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
3101 W Sunflower Ave, Santa Ana, CA, 92799
Used Auto
14.24%
61-72 Months
▼
APR14.24%
Term61-72 Months
Last UpdatedApr 19, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles.
Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
3101 W Sunflower Ave, Santa Ana, CA, 92799
Used Auto
15.24%
73-84 Months
▼
APR15.24%
Term73-84 Months
Last UpdatedApr 19, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles.
Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
3101 W Sunflower Ave, Santa Ana, CA, 92799
Used Auto
19.24%
Up to 60 Months
▼
APR19.24%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles.
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
KeyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
New Auto: 2026 or 2025 with under 5K miles
3.29%
24 Months
▼
APR3.29%
Term24 Months
Last UpdatedApr 19, 2026
Details
KeyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
Used Auto: 2019 - 2025 with 5K miles or more
3.29%
24 Months
▼
APR3.29%
Term24 Months
Last UpdatedApr 19, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedApr 18, 2026
Details
As Low As
Golden Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New & Used Auto Loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedApr 18, 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
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
3.75%
12 to 36 months
▼
APR3.75%
Term12 to 36 months
Last UpdatedApr 18, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.05%
New Autos (2023 and newer)
3.87%
Up to 48 Months
▼
APR3.87%
TermUp to 48 Months
Last UpdatedApr 19, 2026
Details
Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Automobiles & Trucks
3.90%
1 to 60
▼
APR3.90%
Term1 to 60
Last UpdatedApr 17, 2026
Details
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
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 UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedApr 18, 2026
Details
As Low As
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As; 24 month to 84 month terms
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Auto Loans
3.99%
0 - 48
▼
APR3.99%
Term0 - 48
Last UpdatedApr 18, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
APR3.99%
Term66 Months
Last UpdatedApr 19, 2026
Details
2022 or newer
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 UpdatedApr 19, 2026
Details
As Low As
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 UpdatedApr 19, 2026
Details
Up to 60 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 UpdatedApr 19, 2026
Details
Up to 60 Months
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
New Auto
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Terms up to 84 months available.**
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Used Auto
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; Terms up to 72 months available.**
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedApr 18, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
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 UpdatedApr 18, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New Auto - 2026 or Newer with Less than 5K Miles
4.24%
1-12
▼
APR4.24%
Term1-12
Last UpdatedApr 18, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Auto Loans
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedApr 19, 2026
Details
As Low As
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
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 UpdatedApr 17, 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%
New Vehicle Loan
4.25%
36 - 60
▼
APR4.25%
Term36 - 60
Last UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.05%
Used Autos (2022 and older)
4.37%
48 Months
▼
APR4.37%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles (2023 & newer)
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to $125,000
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.39%
Up to 36 Months
▼
APR4.39%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
New Vehicles
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Universal City Studios Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.63%
New Automobiles, Trucks, Vans
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedApr 19, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
4.49%
Up to 3 years
▼
APR4.49%
TermUp to 3 years
Last UpdatedApr 19, 2026
Details
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles
4.49%
Up to 3 years
▼
APR4.49%
TermUp to 3 years
Last UpdatedApr 19, 2026
Details
As Low As; 3.99%**
APR4.49%
Term75 Months
Last UpdatedApr 19, 2026
Details
APR4.49%
Term66 Months
Last UpdatedApr 19, 2026
Details
2021 or older
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Auto Loan
4.49%
3 Months
▼
APR4.49%
Term3 Months
Last UpdatedApr 19, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
APR with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
APR with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 60-66 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
APR with Autopay
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
New Vehicle Loans - Cars, Trucks, and SUVs
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedApr 18, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2022 and newer Auto Loan
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedApr 19, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.55%
2 Yrs
▼
APR4.55%
Term2 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2011 to 2015
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.59%
Up to 54 Months
▼
APR4.59%
TermUp to 54 Months
Last UpdatedApr 19, 2026
Details
New Vehicles
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.05%
New Autos (2023 and newer)
4.62%
Up to 84 Months
▼
APR4.62%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 18, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto Refi
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.65%
3 Yrs
▼
APR4.65%
Term3 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2016 to 2019
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 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.
California Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Auto Loan
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.69%
Up to 66 Months
▼
APR4.69%
TermUp to 66 Months
Last UpdatedApr 19, 2026
Details
New Vehicles
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.70%
2 Months
▼
APR4.70%
Term2 Months
Last UpdatedApr 18, 2026
Details
2011 to 2015 Model Year
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
New Autos
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Autos
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2026 & Newer
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
New Auto Loan
4.74%
24-48
▼
APR4.74%
Term24-48
Last UpdatedApr 18, 2026
Details
As Low As; Up to 135% MSRP
Cal State L.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.69%
Vehicle Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; Financing: 100%
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.74%
2-Year
▼
APR4.74%
Term2-Year
Last UpdatedApr 18, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 36 months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; APR (with discount)
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 48 months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; APR (with discount)
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
New Vehicle Loan
4.74%
1 - 48
▼
APR4.74%
Term1 - 48
Last UpdatedApr 18, 2026
Details
As Low As
Merco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New & Used Vehicles
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedApr 19, 2026
Details
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedApr 19, 2026
Details
As Low As; 4.24%**
APR4.74%
Term75 Months
Last UpdatedApr 19, 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 UpdatedApr 19, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Auto Loans
4.74%
4 Months
▼
APR4.74%
Term4 Months
Last UpdatedApr 19, 2026
Details
As Low As
Pacific Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New Vehicle
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details
APR without Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 19, 2026
Details
APR without Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 60-66 Months
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedApr 19, 2026
Details
APR without Autopay
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Auto Loans
4.74%
Up to 36
▼
APR4.74%
TermUp to 36
Last UpdatedApr 19, 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.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Autos, Trucks and Vans (New & Used)
4.74%
36-66
▼
APR4.74%
Term36-66
Last UpdatedApr 19, 2026
Details
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New/Used Auto Loans
4.74%
Up to 36 months
▼
APR4.74%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details
As Low As
Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Automobile and Truck
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month); Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding; Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding; Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs; Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
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 UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
New Vehicle Loans - Cars, Trucks, and SUVs
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.75%
4 Yrs
▼
APR4.75%
Term4 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2020 to 2024
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedApr 18, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
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 UpdatedApr 19, 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 UpdatedApr 19, 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: 4.09%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Terms: 60 months or less
California Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Auto Loan
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedApr 19, 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 UpdatedApr 19, 2026
Details
84 Months
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.80%
3 Months
▼
APR4.80%
Term3 Months
Last UpdatedApr 18, 2026
Details
2016 to 2019 Model Year
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Auto Loans
4.84%
61 to 66
▼
APR4.84%
Term61 to 66
Last UpdatedApr 19, 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: 3.66%
Auto Loan
4.85%
5 Yrs
▼
APR4.85%
Term5 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2025 to 2027
Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2025 or newer
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
First California Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Auto Loans - 2023 and Newer Model Years
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; *Minimum Amount Financed $15,000
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.89%
Up to 78 Months
▼
APR4.89%
TermUp to 78 Months
Last UpdatedApr 19, 2026
Details
New Vehicles
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.90%
4 Months
▼
APR4.90%
Term4 Months
Last UpdatedApr 18, 2026
Details
2020 to 2024 Model Year
APR4.90%
Term60 Months
Last UpdatedApr 19, 2026
Details
Maximum Financing: 80% of Purchase Price
The Police Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Vehicle Loan
4.94%
1-36
▼
APR4.94%
Term1-36
Last UpdatedApr 18, 2026
Details
As Low As; LTV <=75%
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.95%
6 Yrs
▼
APR4.95%
Term6 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2025 to 2027
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New Auto - 2026 or Newer with Less than 5K Miles
4.95%
13-36
▼
APR4.95%
Term13-36
Last UpdatedApr 18, 2026
Details
As Low As
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
New Vehicle
4.99%
Up to 48 months
▼
APR4.99%
TermUp to 48 months
Last UpdatedApr 17, 2026
Details
As Low As
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
New Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
Used Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
Used Autos (Up to 10 Years Old)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; up to 125% financing
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2026 & Newer
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedApr 18, 2026
Details
As Low As
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
GoldStar® Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rate is 0.25% higher for non-GoldStar® members
Families And Schools Together Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Auto Loans - 2021 - 2025
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As; Rates subject to change, are based on credit and qualifications met. Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
New Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedApr 18, 2026
Details
As Low As; Up to 135% MSRP
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
Used Auto Loan
4.99%
24-48
▼
APR4.99%
Term24-48
Last UpdatedApr 18, 2026
Details
As Low As; Up to 135% JD Power Value
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
New Automobile
4.99%
24-72 mo.
▼
APR4.99%
Term24-72 mo.
Last UpdatedApr 18, 2026
Details
As Low As
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
Auto Loan 2025 or Newer
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; * Rates shown are for qualified borrowers and may vary with the vehicle, amount financed, term and credit history. Minimum of $15,000 amount financed for 72 months. Minimum of $30,000 financed for 84 months. Vehicles older than 2016 model year will be considered on an exception basis only. Street legal motorcycles will be considered at the above rates.
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.99%
3-Year
▼
APR4.99%
Term3-Year
Last UpdatedApr 18, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Up To 3-Year Auto Loan
4.99%
3 Months
▼
APR4.99%
Term3 Months
Last UpdatedApr 18, 2026
Details
As Low As
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
New Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 36 months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 48 months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; APR (with discount)
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
First California Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Auto Loans - 2023 and Newer Model Years
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; *Minimum Amount Financed $15,000
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Auto Loans
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedApr 18, 2026
Details
New Auto, 12-60 Month Term
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 18, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
4.99%
48 to 60 Months
▼
APR4.99%
Term48 to 60 Months
Last UpdatedApr 18, 2026
Details
L.A. Electrical Workers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Up to 120% LTV* Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
The Police Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Vehicle Loan
4.99%
37-60
▼
APR4.99%
Term37-60
Last UpdatedApr 18, 2026
Details
As Low As; LTV <=75%
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Auto Loans (2019 - 2022)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Auto Loans (2023 and newer)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Universal City Studios Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.63%
Used Automobiles, Trucks, Vans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 19, 2026
Details
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 19, 2026
Details
As Low As; 4.49%**
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New Auto Purchase or Refinance
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loans (2022 or newer)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Auto Loans
4.99%
5 Months
▼
APR4.99%
Term5 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Auto Loan
4.99%
4 Months
▼
APR4.99%
Term4 Months
Last UpdatedApr 19, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 72-78 Months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
APR with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
Used Vehicle Loans 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
APR with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
Used Vehicle Loans 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
APR with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
Used Vehicle Loans 60-66 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
APR with Autopay
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 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.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
New Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
New Auto Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
3715 S Bristol St Ste A, Santa Ana, CA, 92704
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
New Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
New Auto Loan
6.89%
84 Months
▼
APR6.89%
Term84 Months
Last UpdatedApr 19, 2026
Details
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
KeyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
New Auto: 2026 or 2025 with under 5K miles
3.29%
24 Months
▼
APR3.29%
Term24 Months
Last UpdatedApr 19, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedApr 18, 2026
Details
As Low As
Golden Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New & Used Auto Loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedApr 18, 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
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
3.75%
12 to 36 months
▼
APR3.75%
Term12 to 36 months
Last UpdatedApr 18, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.05%
New Autos (2023 and newer)
3.87%
Up to 48 Months
▼
APR3.87%
TermUp to 48 Months
Last UpdatedApr 19, 2026
Details
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
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 UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedApr 18, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
APR3.99%
Term66 Months
Last UpdatedApr 19, 2026
Details
2022 or newer
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 UpdatedApr 19, 2026
Details
As Low As
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 UpdatedApr 19, 2026
Details
Up to 60 Months
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
New Auto
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Terms up to 84 months available.**
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedApr 18, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New Auto - 2026 or Newer with Less than 5K Miles
4.24%
1-12
▼
APR4.24%
Term1-12
Last UpdatedApr 18, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Auto Loans
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedApr 19, 2026
Details
As Low As
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
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 UpdatedApr 17, 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%
New Vehicle Loan
4.25%
36 - 60
▼
APR4.25%
Term36 - 60
Last UpdatedApr 18, 2026
Details
As Low As
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedApr 18, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
Central Valley Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles (2023 & newer)
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to $125,000
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.39%
Up to 36 Months
▼
APR4.39%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
New Vehicles
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Universal City Studios Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.63%
New Automobiles, Trucks, Vans
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedApr 19, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
4.49%
Up to 3 years
▼
APR4.49%
TermUp to 3 years
Last UpdatedApr 19, 2026
Details
APR4.49%
Term75 Months
Last UpdatedApr 19, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 36 Months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
APR with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
APR with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 60-66 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
APR with Autopay
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
New Vehicle Loans - Cars, Trucks, and SUVs
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedApr 18, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Long Beach Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
Cabrillo Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2022 and newer Auto Loan
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedApr 19, 2026
Details
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.59%
Up to 54 Months
▼
APR4.59%
TermUp to 54 Months
Last UpdatedApr 19, 2026
Details
New Vehicles
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.05%
New Autos (2023 and newer)
4.62%
Up to 84 Months
▼
APR4.62%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 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: 2.08%
Fixed Rate New and Used Auto Loans
4.69%
Up to 66 Months
▼
APR4.69%
TermUp to 66 Months
Last UpdatedApr 19, 2026
Details
New Vehicles
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
New Autos
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
New Auto Loan
4.74%
24-48
▼
APR4.74%
Term24-48
Last UpdatedApr 18, 2026
Details
As Low As; Up to 135% MSRP
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicle Models 2025 or newer (under 10,000 miles)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 36 months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; APR (with discount)
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 48 months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; APR (with discount)
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Huntington Beach Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
New Vehicle Loan
4.74%
1 - 48
▼
APR4.74%
Term1 - 48
Last UpdatedApr 18, 2026
Details
As Low As
Merco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New & Used Vehicles
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedApr 19, 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 UpdatedApr 19, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Auto Loans
4.74%
4 Months
▼
APR4.74%
Term4 Months
Last UpdatedApr 19, 2026
Details
As Low As
Pacific Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New Vehicle
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details
APR without Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 48 Months
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 19, 2026
Details
APR without Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 60-66 Months
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedApr 19, 2026
Details
APR without Autopay
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Auto Loans
4.74%
Up to 36
▼
APR4.74%
TermUp to 36
Last UpdatedApr 19, 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.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Autos, Trucks and Vans (New & Used)
4.74%
36-66
▼
APR4.74%
Term36-66
Last UpdatedApr 19, 2026
Details
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New/Used Auto Loans
4.74%
Up to 36 months
▼
APR4.74%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details
As Low As
Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Automobile and Truck
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month); Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding; Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding; Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs; Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
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 UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
UMe Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
New Vehicle Loans - Cars, Trucks, and SUVs
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
LA Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
New Auto
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedApr 18, 2026
Details
As Low As
Utility District Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New Auto Loans
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
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 UpdatedApr 19, 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: 4.09%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Terms: 60 months or less
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 UpdatedApr 19, 2026
Details
84 Months
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Auto Loans
4.84%
61 to 66
▼
APR4.84%
Term61 to 66
Last UpdatedApr 19, 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.
Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2025 or newer
First California Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Auto Loans - 2023 and Newer Model Years
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; *Minimum Amount Financed $15,000
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.89%
Up to 78 Months
▼
APR4.89%
TermUp to 78 Months
Last UpdatedApr 19, 2026
Details
New Vehicles
APR4.90%
Term60 Months
Last UpdatedApr 19, 2026
Details
Maximum Financing: 80% of Purchase Price
San Francisco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
New Auto - 2026 or Newer with Less than 5K Miles
4.95%
13-36
▼
APR4.95%
Term13-36
Last UpdatedApr 18, 2026
Details
As Low As
Pasadena Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
New Vehicle
4.99%
Up to 48 months
▼
APR4.99%
TermUp to 48 months
Last UpdatedApr 17, 2026
Details
As Low As
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
New Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedApr 18, 2026
Details
As Low As
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
New Auto Loan
4.99%
49-60
▼
APR4.99%
Term49-60
Last UpdatedApr 18, 2026
Details
As Low As; Up to 135% MSRP
Inland Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.37%
New Automobile
4.99%
24-72 mo.
▼
APR4.99%
Term24-72 mo.
Last UpdatedApr 18, 2026
Details
As Low As
Diablo Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
Auto Loan 2025 or Newer
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; * Rates shown are for qualified borrowers and may vary with the vehicle, amount financed, term and credit history. Minimum of $15,000 amount financed for 72 months. Minimum of $30,000 financed for 84 months. Vehicles older than 2016 model year will be considered on an exception basis only. Street legal motorcycles will be considered at the above rates.
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
New Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 36 months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 48 months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Vehicles up to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; APR (with discount)
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
First California Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Auto Loans - 2023 and Newer Model Years
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; *Minimum Amount Financed $15,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
4.99%
48 to 60 Months
▼
APR4.99%
Term48 to 60 Months
Last UpdatedApr 18, 2026
Details
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Auto Loans (2023 and newer)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Vehicles Fixed
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 19, 2026
Details
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New Auto Purchase or Refinance
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loans (2022 or newer)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Auto Loans
4.99%
5 Months
▼
APR4.99%
Term5 Months
Last UpdatedApr 19, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
New Vehicle Loans 72-78 Months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
APR with Autopay
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
3101 W Sunflower Ave, Santa Ana, CA, 92799
Used Auto
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles.
Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
3101 W Sunflower Ave, Santa Ana, CA, 92799
Used Auto
5.49%
61-72 Months
▼
APR5.49%
Term61-72 Months
Last UpdatedApr 19, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles.
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
Used Auto Loan
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
3715 S Bristol St Ste A, Santa Ana, CA, 92704
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
3101 W Sunflower Ave, Santa Ana, CA, 92799
Used Auto
5.99%
73-84 Months
▼
APR5.99%
Term73-84 Months
Last UpdatedApr 19, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles.
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
1701 E Saint Andrew Pl, Santa Ana, CA, 92705
Used Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
3101 W Sunflower Ave, Santa Ana, CA, 92799
Used Auto
14.24%
61-72 Months
▼
APR14.24%
Term61-72 Months
Last UpdatedApr 19, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles.
Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
3101 W Sunflower Ave, Santa Ana, CA, 92799
Used Auto
15.24%
73-84 Months
▼
APR15.24%
Term73-84 Months
Last UpdatedApr 19, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles.
Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
3101 W Sunflower Ave, Santa Ana, CA, 92799
Used Auto
19.24%
Up to 60 Months
▼
APR19.24%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking. Rates will increase by 1% for vehicles over 5 years old and by 2% for vehicles with more than 100,000 miles.
KeyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
Used Auto: 2019 - 2025 with 5K miles or more
3.29%
24 Months
▼
APR3.29%
Term24 Months
Last UpdatedApr 19, 2026
Details
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedApr 18, 2026
Details
As Low As
Golden Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
New & Used Auto Loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedApr 18, 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.
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
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 UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
3.99%
72 months
▼
APR3.99%
Term72 months
Last UpdatedApr 18, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 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 UpdatedApr 19, 2026
Details
Up to 60 Months
Shell Western States Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
Used Auto
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
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 UpdatedApr 17, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
TULARE COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.05%
Used Autos (2022 and older)
4.37%
48 Months
▼
APR4.37%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.39%
Up to 36 Months
▼
APR4.39%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
New Vehicles
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles
4.49%
Up to 3 years
▼
APR4.49%
TermUp to 3 years
Last UpdatedApr 19, 2026
Details
As Low As; 3.99%**
APR4.49%
Term66 Months
Last UpdatedApr 19, 2026
Details
2021 or older
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Auto Loan
4.49%
3 Months
▼
APR4.49%
Term3 Months
Last UpdatedApr 19, 2026
Details
As Low As
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.59%
Up to 54 Months
▼
APR4.59%
TermUp to 54 Months
Last UpdatedApr 19, 2026
Details
New Vehicles
Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 18, 2026
Details
Redwood Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto Refi
4.64%
36 Months
▼
APR4.64%
Term36 Months
Last UpdatedApr 18, 2026
Details
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New and Used Auto Loans
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedApr 18, 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: 2.08%
Fixed Rate New and Used Auto Loans
4.69%
Up to 66 Months
▼
APR4.69%
TermUp to 66 Months
Last UpdatedApr 19, 2026
Details
New Vehicles
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedApr 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Merco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New & Used Vehicles
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedApr 19, 2026
Details
As Low As; 4.24%**
APR4.74%
Term75 Months
Last UpdatedApr 19, 2026
Details
LBS Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Autos, Trucks and Vans (New & Used)
4.74%
36-66
▼
APR4.74%
Term36-66
Last UpdatedApr 19, 2026
Details
1st Northern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New/Used Auto Loans
4.74%
Up to 36 months
▼
APR4.74%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details
As Low As
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
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 UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
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 UpdatedApr 18, 2026
Details
As Low As
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 UpdatedApr 19, 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: 4.09%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; New Auto Purchase or Refinance
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Fixed Rate New and Used Auto Loans
4.89%
Up to 78 Months
▼
APR4.89%
TermUp to 78 Months
Last UpdatedApr 19, 2026
Details
New Vehicles
Gain Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; No Payments for up to 90 Days
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
Used Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Camino Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.78%
Used Autos (Up to 10 Years Old)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; up to 125% financing
Thinkwise Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New & Used Auto Loans
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedApr 18, 2026
Details
As Low As
County Schools Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.78%
Used Auto Loan
4.99%
24-48
▼
APR4.99%
Term24-48
Last UpdatedApr 18, 2026
Details
As Low As; Up to 135% JD Power Value
Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicle Models between 2019 - 2026 (between 10,001 and 100,000 miles)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
4.99%
48 to 60 Months
▼
APR4.99%
Term48 to 60 Months
Last UpdatedApr 18, 2026
Details
Universal City Studios Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.63%
Used Automobiles, Trucks, Vans
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Vehicles
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 19, 2026
Details
As Low As; 4.49%**
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
First Entertainment Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Auto Loan
4.99%
4 Months
▼
APR4.99%
Term4 Months
Last UpdatedApr 19, 2026
Details
As Low As
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
Used Vehicle Loans 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
APR with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
Used Vehicle Loans 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
APR with Autopay
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
Used Vehicle Loans 60-66 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
APR with Autopay
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 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.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
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MonitorBankRates
Santa Ana, CA Auto Loan Rate Trends
Compare local Santa Ana, 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
5.962%
▼ 0.218 vs 7 days ago
California new auto rates fell 0.218 points over the past 7 days to 5.962% APR.
Used Auto Loan — CA Avg
6.192%
▼ 0.277 vs 7 days ago
California used auto rates fell 0.277 points over the past 7 days to 6.192% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Santa Ana, 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 Santa Ana, 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 Santa Ana, 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 Santa Ana, California?
Based on our current data, some of the lowest auto loan rates available in Santa Ana, California include:
- Baxter Credit Union: 3.24% (Auto Loans)
- California Credit Union: 4.99% (Auto Loan Refinancing)
- Orange Countys Credit Union: 4.99% (New Auto Loan)
- Eagle Community Credit Union: 5.24% (Used Auto)
- UNIFY Financial Federal Credit Union: 5.74% (New & Used Vehicles2)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Santa Ana, California. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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