Auto Loan Rates in Coarsegold, California (CA) for June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Coarsegold, California include American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Thinkwise Federal Credit UnionThinkwise Federal Credit UnionA+5.0 ★Texas Ratio: 3.14% offering New & Used Auto Loans at 3.49%, Utility District Credit UnionUtility District Credit UnionA+5.0 ★Texas Ratio: 0.69% offering New Auto Loans at 3.50%, LA Healthcare Federal Credit UnionLA Healthcare Federal Credit UnionA+5.0 ★Texas Ratio: 1.37% offering New Auto at 3.75%, Los Angeles Federal Credit UnionLos Angeles Federal Credit UnionA+5.0 ★Texas Ratio: 3.58% offering Automobiles & Trucks at 3.90%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Coarsegold borrowers have access to 71 lenders serving the California area, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union. 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 Coarsegold, California. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Coarsegold, California & Surrounding Area
Coarsegold Auto Loan Rates
As low as
As Low As
Year: 2025-2026
As Low As
As Low As
Year: 2025-2026
As low as
125% financing for new purchases
2025-2026 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.
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
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. 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. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As; 4.24% APR available for preferred rate with a FICO score of 700 & higher. Additional .25% discount on auto loans with direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month.
As Low As; Extended terms are available (up to 96 months) at higher rates. 96 months are not available for Experian Fico scores 649 and below. Minimum loan amount finance of $50,000 is required for a 96 month extended term. Contact the credit union for details. ** The rates shown reflects a 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.
As Low As; *
As Low As; *
As Low As; Rates shown are for qualified borrowers only. All loans are subject to credit approval. Rates and terms are based on creditworthiness, loan amount and collateral. Rates may vary or change at any time. Payment Example: $30,000 at 3.99% APR for 48 months would be approximately $677/month.
APR* as low as
As Low As; Terms up to 84 months available.**
As Low As; Terms up to 72 months available.**
As Low As
As Low As
Year: 2025-2026
Maximum APR: 13.50%
Model Year: 2011 to 2015
As low as
As Low As; 2026 & Newer
Model Year: 2016 to 2019
As Low As; Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
100% financing of purchase price, tax and license
As Low As
As Low As; Up to 120% Financing on Approved Credit
Model Year: 2020 to 2024
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. 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. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As; New Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k | Financing up to 100% | Terms up to 84 months
As Low As
As Low As
Maximum APR: 13.75%
Model Year: 2025 to 2027
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
As Low As
Model Year: 2025 to 2027
As Low As; Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for a combined average daily balance in deposit balances across accounts of $200,000 and above. Preferred rate for Used Auto Loans is 4.49% APR (5.99% APR without discounts). Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant's credit rating and other underwriting factors.
APR with Autopay; 4.74% APR without Autopay
APR with Autopay; 4.74% APR without Autopay
APR with Autopay; 4.74% APR without Autopay
Non-Variable
Non-Variable
Up to 100% of MSRP or Retail Kelley Blue book plus tax, title & licensing; As Low As; APR* as low as
Model Years: 2026 & Newer
As Low As; Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.
As Low As
As Low As; 4.74%, 5.24%, 6.24%
As Low As; *
As Low As; *
As Low As; Up to 120% Financing on Approved Credit
As Low As
As Low As; *
See additional rates for 3.99%**
3.99%**
As Low As; New Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k | Financing up to 100% | Terms up to 84 months
As Low As
As Low As
As Low As; 4.75% APR available for preferred rate with a FICO score of 700 & higher. Additional .25% discount on auto loans with direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month.
Year: 2025-2026
Includes a 0.25% discount for direct deposit.
As Low As; Summer Auto Refinance
As Low As; *
As low as
As Low As
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
As Low As
Loan Amount: $2,500+
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As
As Low As
As Low As; Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
As Low As; Rate applies to loans of $2,000 or more.
Loan amounts up to $150,000. Your loan term and amount may vary based on vehicle year, make, model, mileage and value.
As Low As; up to 125% financing
As Low As; Estimated Monthly Payment per $1,000: $30.08
Model Years: 2026 & Newer
Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.
As Low As; **
Financing: 100%
As Low As
As Low As; 4.49%, 5.24%, 6.24%
As Low As; 4.99%, 5.49%, 6.49%
As Low As; 4.99% APR available for preferred rate with a FICO score of 700 & higher. Additional .25% discount on auto loans with direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month.
As Low As; LTV <=75%
As Low As; Max. Loan: Up to $125,000
APR* as low as
As Low As
See additional rates for 4.24%**
4.24%**
As Low As; Rate shown includes discounts (max of 0.75% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Get 0.50% rate discount if member has an active direct deposit of at least $1,000 per month. Get 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%. Finance up to 125% MSRP on new vehicles including eligible protection products and coverage options (up to 150% total vehicle value)., based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. 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. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As; New Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k | Financing up to 100% | Terms up to 84 months
As Low As; Used Cars, Trucks, & SUVs | 2016-2025 | mileage up to 150k | Financing up to 100% | Terms up to 84 months. APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral.
As Low As
As Low As
As Low As; Standard APR: 5.25%
Year: 2025-2026
Maximum APR: 14.25%
As Low As
2025-2026 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; LTV <=75%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As; LTV <=75%
As Low As; 2025 or newer
Loan Amount: $2,500+
As Low As; Minimum Amount Financed $15,000
Rates as Low as; *
Maximum Financing: 80% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As
As Low As; Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
As Low As; Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for a combined average daily balance in deposit balances across accounts of $200,000 and above. Preferred rate for Used Auto Loans is 4.49% APR (5.99% APR without discounts). Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant's credit rating and other underwriting factors.
APR with Autopay; 5.24% APR without Autopay
APR with Autopay; 5.24% APR without Autopay
APR with Autopay; 5.24% APR without Autopay
APR with Autopay; 5.24% APR without Autopay
As Low As; Rate applies to loans of $2,000 or more.
As Low As; Minimum Amount $2,000
New Vehicles (Autos, Pickups, Vans and SUVs 2025 - 2027 model years)
Up to 100% of Retail Kelley Blue book plus tax, title & licensing; APR* as low as
As Low As
As Low As; Minimum Loan Amount $30,000 for 84 months
As Low As; up to 125% financing
As Low As; Estimated Monthly Payment per $1,000: $23.25
As Low As; up to 125% financing
As Low As; Estimated Monthly Payment per $1,000: $30.08
Model Years: 2022-2025 Used
As Low As
As Low As
As Low As
As low as 4.99% APR - Rate is 0.25% higher for non-GoldStar® members
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.
Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.
As Low As; APR = Annual Percentage Rate
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. 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. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As; **
Model Year: 2022 and newer
As Low As
As Low As; 4.74%, 5.49%, 6.49%
As Low As; 5.24% APR available for preferred rate with a FICO score of 700 & higher. Additional .25% discount on auto loans with direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month.
As Low As
As Low As
As Low As; *
As Low As; *
As Low As; Minimum Amount Financed $15,000
Annual Percentage Rates shown are "as low as".
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
As Low As; Up to 120% Financing on Approved Credit
FICO 720+
FICO 720+
As Low As; LTV > 75%
As Low As; Discounted APR: 3.99%
APR* as low as
As Low As; **
See additional rates for 4.49%**
4.49%**
As Low As; Rate shown includes discounts (max of 0.75% discount per loan). Used Auto Floor Rate is 4.99%. Rate discounts that apply: Get 0.50% rate discount if member has an active direct deposit of at least $1,000 per month. Get 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.
OAC
Coarsegold New Auto Auto Loan Rates
As low as
As Low As
Year: 2025-2026
As Low As
As Low As
Year: 2025-2026
2025-2026 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
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. 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. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As; 4.24% APR available for preferred rate with a FICO score of 700 & higher. Additional .25% discount on auto loans with direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month.
As Low As; *
As Low As; Terms up to 84 months available.**
As Low As
As Low As
Year: 2025-2026
As low as
As Low As; Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
100% financing of purchase price, tax and license
As Low As
As Low As; Up to 120% Financing on Approved Credit
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. 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. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As; New Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k | Financing up to 100% | Terms up to 84 months
As Low As
As Low As
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
As Low As
APR with Autopay; 4.74% APR without Autopay
APR with Autopay; 4.74% APR without Autopay
APR with Autopay; 4.74% APR without Autopay
Non-Variable
Up to 100% of MSRP or Retail Kelley Blue book plus tax, title & licensing; As Low As; APR* as low as
As Low As; Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.
As Low As
As Low As; 4.74%, 5.24%, 6.24%
As Low As; *
As Low As; Up to 120% Financing on Approved Credit
As Low As; *
See additional rates for 3.99%**
As Low As; New Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k | Financing up to 100% | Terms up to 84 months
As Low As
As Low As
As Low As; 4.75% APR available for preferred rate with a FICO score of 700 & higher. Additional .25% discount on auto loans with direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month.
Year: 2025-2026
Includes a 0.25% discount for direct deposit.
As Low As; Summer Auto Refinance
As Low As; *
As Low As
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As
As Low As; Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
As Low As; Rate applies to loans of $2,000 or more.
As Low As; up to 125% financing
As Low As; Estimated Monthly Payment per $1,000: $30.08
Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.
As Low As; **
As Low As; 4.49%, 5.24%, 6.24%
As Low As; 4.99% APR available for preferred rate with a FICO score of 700 & higher. Additional .25% discount on auto loans with direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month.
As Low As; Max. Loan: Up to $125,000
As Low As
See additional rates for 4.24%**
As Low As; Rate shown includes discounts (max of 0.75% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Get 0.50% rate discount if member has an active direct deposit of at least $1,000 per month. Get 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%. Finance up to 125% MSRP on new vehicles including eligible protection products and coverage options (up to 150% total vehicle value)., based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. 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. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As; New Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k | Financing up to 100% | Terms up to 84 months
As Low As
As Low As
As Low As; Standard APR: 5.25%
Year: 2025-2026
2025-2026 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.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As; 2025 or newer
As Low As; Minimum Amount Financed $15,000
Rates as Low as; *
Maximum Financing: 80% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As
As Low As; Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
APR with Autopay; 5.24% APR without Autopay
As Low As; Rate applies to loans of $2,000 or more.
As Low As; Minimum Amount $2,000
New Vehicles (Autos, Pickups, Vans and SUVs 2025 - 2027 model years)
As Low As
As Low As; up to 125% financing
As Low As; Estimated Monthly Payment per $1,000: $23.25
As Low As
As Low As
As Low As
Rates listed above include .50% reduction awarded to members enrolled in eStatements and Automatic Payments. Restrictions may apply, ask an employee for details.
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. 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. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As; **
As Low As
As Low As; 5.24% APR available for preferred rate with a FICO score of 700 & higher. Additional .25% discount on auto loans with direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month.
As Low As
As Low As; *
As Low As; Minimum Amount Financed $15,000
Annual Percentage Rates shown are "as low as".
As Low As; Up to 120% Financing on Approved Credit
FICO 720+
FICO 720+
As Low As; Discounted APR: 3.99%
See additional rates for 4.49%**
OAC
Coarsegold Used Auto Auto Loan Rates
As Low As
As low as
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
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. 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. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As; *
As Low As; Terms up to 72 months available.**
Maximum APR: 13.50%
As Low As; Up to 120% Financing on Approved Credit
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. 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. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
Maximum APR: 13.75%
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
As Low As; Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for a combined average daily balance in deposit balances across accounts of $200,000 and above. Preferred rate for Used Auto Loans is 4.49% APR (5.99% APR without discounts). Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant's credit rating and other underwriting factors.
Non-Variable
As Low As; *
As Low As; Up to 120% Financing on Approved Credit
3.99%**
As low as
As Low As
Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. WE DO NOT FINANCE ON SALVAGED TITLES.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As; Rates As Low As & Subject to Change; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As
As Low As; 4.99%, 5.49%, 6.49%
As Low As
4.24%**
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. 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. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As; Used Cars, Trucks, & SUVs | 2016-2025 | mileage up to 150k | Financing up to 100% | Terms up to 84 months. APR is Annual Percentage Rate. Loan approval, term and rate are based on a verification of income and an evaluation of your creditworthiness and collateral.
Maximum APR: 14.25%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As; Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for a combined average daily balance in deposit balances across accounts of $200,000 and above. Preferred rate for Used Auto Loans is 4.49% APR (5.99% APR without discounts). Not all members will qualify for the preferred rate. Proof of income and/or down payment may be required depending on the applicant's credit rating and other underwriting factors.
APR with Autopay; 5.24% APR without Autopay
APR with Autopay; 5.24% APR without Autopay
APR with Autopay; 5.24% APR without Autopay
As Low As; Minimum Amount $2,000
Up to 100% of Retail Kelley Blue book plus tax, title & licensing; APR* as low as
As Low As; Minimum Loan Amount $30,000 for 84 months
As Low As; up to 125% financing
As Low As; Estimated Monthly Payment per $1,000: $30.08
As Low As
As Low As
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. 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. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
As Low As; 4.74%, 5.49%, 6.49%
As Low As
As Low As; *
As Low As; Up to 120% Financing on Approved Credit
FICO 720+
FICO 720+
As Low As; **
4.49%**
As Low As; Rate shown includes discounts (max of 0.75% discount per loan). Used Auto Floor Rate is 4.99%. Rate discounts that apply: Get 0.50% rate discount if member has an active direct deposit of at least $1,000 per month. Get 0.25% rate discount if member enrolls in Auto Pay at the time of funding. Maximum Auto Loan Discount available is 0.75%.
Coarsegold, CA Auto Loan Rate Trends
Compare local Coarsegold, 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 fell 0.103 points over the past 7 days to 5.163% APR.
California used auto rates fell 0.048 points over the past 7 days to 5.812% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Coarsegold, 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 Coarsegold, 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 Coarsegold, 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 Coarsegold, 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?
What are the best Auto Loan rates in Coarsegold, California?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Thinkwise Federal Credit Union: 3.49% (New & Used Auto Loans)
- Utility District Credit Union: 3.50% (New Auto Loans)
- LA Healthcare Federal Credit Union: 3.75% (New Auto)
- Los Angeles Federal Credit Union: 3.90% (Automobiles & Trucks)
Coarsegold, California Rates & Resources
