California Auto Loan Rate Trends
Track current and weekly average auto loan rates in California, view interactive rate trend charts, and compare local CA aprs against the national average.
Current California Auto Loan Rate Trends
Auto Loan rates in California held steady at a New Auto Loan average of 5.163% this week.
At 5.163%, California’s average sits 0.577 below the current national average of 5.739%. CA borrowers may have a competitive advantage relative to the national market.
The California auto loan rate averages on this page are calculated from 770 verified auto loan rate quotes collected across 142 banks and credit unions actively operating in California. Our proprietary systems collect and verify rates daily — tracking what real licensed institutions are actually quoting to borrowers, not rate sheet estimates.
California Auto Loan Rate Trends Chart
Daily average rates since March 15, 2026. State data shown where available; national average used as fallback. Hover to see exact rates.
California auto loan rate averages compiled from 770 current rate quotes across 142 banks and credit unions operating in CA — updated daily.
As of Jun 25, 2026 • Data provided by MonitorBankRates.com
Historical Auto Loan Rate Trends in California
Quarterly average rates at credit unions headquartered in California, 1994–present. Different methodology from the daily chart above — this series reflects portfolio rates self-reported to NCUA each quarter.
Based on reporting credit unions in California (latest quarter).
Source: MonitorBankRates.com analysis of NCUA Call Report data, 1994–present.
Quarterly weighted averages calculated from credit union rate filings, weighted by loan portfolio balance.
