Auto Loan Rates in Crescent City, California (CA) for April 2026
Brian McKay
Brian McKay
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Current auto loan rates in Crescent City, California include Bakersfield City Employees Federal Credit UnionBakersfield City Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.81% offering New Vehicle Loan at 1.99%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Long Beach Firemens Credit UnionLong Beach Firemens Credit UnionA+5.0 ★Texas Ratio: 1.00% offering New Vehicle Loan at 3.25%, KeyPoint Credit UnionKeyPoint Credit UnionA+5.0 ★Texas Ratio: 2.20% offering New Auto: 2026 or 2025 with under 5K miles at 3.29%, Thinkwise Federal Credit UnionThinkwise Federal Credit UnionA+5.0 ★Texas Ratio: 3.33% offering New & Used Auto Loans at 3.49%. Auto loan rates as of April 4, 2026 according to verified data from MonitorBankRates.
Crescent City borrowers have access to 81 lenders serving the California area, with auto loan rates as low as 1.99% APR from Bakersfield City Employees 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 Crescent City, California. Auto Loan Rates Last Updated and Verified: April 4, 2026
Compare Auto Loan Rates Today in Crescent City, California & Surrounding Area
As Low As; Based On Credit Score
As Low As; Based On Credit Score
As Low As; APR - 2026 & Newer
As Low As
As Low As
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.
Credit Score 720+
As Low As
As Low As
As Low As
As Low As; APR - 2026 & Newer
As Low As; No Payments for up to 90 Days
As Low As
As Low As
As Low As
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
As Low As
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
As Low As
Credit Score 680-719
As Low As; APR is available for terms up to 72 months. Minimum loan amount for 72-month financing is $15,000. Existing GVCU loans are not eligible for refinance at these rates. All loans are subject to credit approval, income verification, acceptable debt-to-income ratio, and loan-to-value requirements. Monthly payment per $10,000 borrowed for 60 months at 4.19% APR is $185.00. Monthly payment per $15,000 borrowed for 72 months at 4.19% APR is $235.95. Offer available for a limited time and subject to change or end without notice.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; No Payments for up to 90 Days
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; Up to $125,000
As Low As
As Low As
As Low As; APR - 2023 - 2025*
As Low As
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As
with Autopay
with Autopay
with Autopay
As Low As
As Low As
As Low As
As Low As
2016 or Newer
As Low As
As Low As
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
Credit Score 720+
Model Year: 2011 to 2015
New Vehicles
Up to 84 months*
Model Year: 2016 to 2019
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 rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Up to 48 Months
As Low As
As Low As
2011 to 2015 Model Year
As Low As
As Low As; with discount
As Low As; with discount
As Low As
As Low As; Financing: 100%
As Low As
As Low As
As Low As
As Low As; vehicles 2016 or newer
As Low As; *APR-Annual Percentage Rate. 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. Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
As Low As
As Low As
As Low As; Max. Loan Up to $125,000
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
without Autopay
without Autopay
without Autopay
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.
As Low As; 2026 & Newer
As Low As
As Low As; Amount Financed Up to 135%
As Low As
Model Year: 2020 to 2024
As Low As
As Low As
As Low As
As Low As; No Payments for up to 90 Days
As Low As; 60 months or less
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
Credit Score 720+
As Low As
As Low As; Terms up to 84 months
As Low As; Up to 100% of MSRP or Retail Kelley Blue book plus tax, title & licensing
As Low As; $10,000 or Over
New Vehicles
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.
2016 to 2019 Model Year
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.
Model Year: 2025 to 2027
As Low As; Financing Available: 2025 or newer
2025-2026 models with less than 7,500 miles.
As Low As; *Minimum Amount Financed $15,000
As Low As
2020 to 2024 Model Year
As Low As; LTV <=75%
Model Year: 2025 to 2027
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; with discount
As Low As
As Low As; Fixed
As Low As; APR - 2023 - 2025*
As Low As
As Low As
As Low As; up to 125% financing
As Low As
As Low As; vehicles 2016 or newer
Used Vehicles
As Low As
As Low As; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; 100% financing of purchase price, tax and license
As Low As; *APR-Annual Percentage Rate. 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. Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
As Low As; *APR - Annual Percentage Rate. Rate shown includes discounts (max of 1.00% discount per loan). Used Auto Floor Rate is 4.99%. 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
Direct Deposit APR
As Low As; *Minimum Amount Financed $15,000
As Low As
As Low As
As Low As
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As; Based On Credit Score
As Low As
As Low As
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.
Credit Score 720+
As Low As
As Low As
As Low As
As Low As; No Payments for up to 90 Days
As Low As
As Low As
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
As Low As
As Low As; Terms up to 84 months available.**
As Low As
As Low As
Credit Score 680-719
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
As Low As
As Low As
As Low As
As Low As
As Low As; No Payments for up to 90 Days
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; Up to $125,000
As Low As
As Low As
As Low As
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
with Autopay
with Autopay
with Autopay
As Low As
As Low As
As Low As
As Low As
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
Credit Score 720+
New Vehicles
Up to 84 months*
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 rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; with discount
As Low As; with discount
As Low As
As Low As
As Low As; *APR-Annual Percentage Rate. 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. Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
As Low As
As Low As
As Low As; Max. Loan Up to $125,000
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
without Autopay
without Autopay
without Autopay
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.
As Low As
As Low As; Amount Financed Up to 135%
As Low As
As Low As
As Low As
As Low As; No Payments for up to 90 Days
As Low As; 60 months or less
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
Credit Score 720+
As Low As
As Low As; Up to 100% of MSRP or Retail Kelley Blue book plus tax, title & licensing
New Vehicles
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.
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.
As Low As; Financing Available: 2025 or newer
2025-2026 models with less than 7,500 miles.
As Low As; *Minimum Amount Financed $15,000
As Low As
As Low As
As Low As
As Low As
As Low As; with discount
As Low As
As Low As
Used Vehicles
As Low As
As Low As; Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; 100% financing of purchase price, tax and license
As Low As; *APR-Annual Percentage Rate. 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. Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
Direct Deposit APR
As Low As; *Minimum Amount Financed $15,000
As Low As
As Low As
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
As Low As; Based On Credit Score
As Low As
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.
Credit Score 720+
As Low As; No Payments for up to 90 Days
As Low As
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
As Low As
As Low As; Terms up to 72 months available.**
As Low As
Credit Score 680-719
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
As Low As
As Low As
As Low As; No Payments for up to 90 Days
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
As Low As
As Low As
Credit Score 720+
New Vehicles
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 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
As Low As
As Low As
As Low As; No Payments for up to 90 Days
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
Credit Score 720+
New Vehicles
As Low As
As Low As
As Low As; up to 125% financing
Used Vehicles
As Low As; *APR - Annual Percentage Rate. Rate shown includes discounts (max of 1.00% discount per loan). Used Auto Floor Rate is 4.99%. 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
Direct Deposit APR
As Low As
As Low As
Crescent City, CA Auto Loan Rate Trends
Compare local Crescent City, 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 1.251 points over the past 7 days to 5.223% APR.
California used auto rates fell 0.915 points over the past 7 days to 5.762% APR.
Frequently Asked Questions about Auto Loans in Crescent City, 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 Crescent City, California?
- Bakersfield City Employees Federal Credit Union: 1.99% (New Vehicle Loan)
- Baxter Credit Union: 3.24% (Auto Loans)
- Long Beach Firemens Credit Union: 3.25% (New Vehicle Loan)
- KeyPoint Credit Union: 3.29% (New Auto: 2026 or 2025 with under 5K miles)
- Thinkwise Federal Credit Union: 3.49% (New & Used Auto Loans)
