Los Angeles, California Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Los Angeles, California auto loan rates range from 3.34% to 6.90% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Los Angeles, California include American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union500 World Way, Los Angeles, CA, 90045 5891A+5.0 ★Texas Ratio: 2.87% offering New Auto at 3.34%, Actors Federal Credit UnionActors Federal Credit Union5757 Wilshire Blvd, Los Angeles, CA, 90036 3684A-5.0 ★Texas Ratio: 15.48% offering Auto Loans at 3.74%, Baxter Credit UnionBaxter Credit Union4501 Colorado Blvd, Los Angeles, CA, 90039A5.0 ★Texas Ratio: 6.31% offering Auto Loans - 2025 & Newer at 3.84%, Water and Power Community Credit UnionWater and Power Community Credit Union1053 W Sunset Blvd, Los Angeles, CA, 90012 2134A+5.0 ★Texas Ratio: 3.77% offering Auto Loans at 3.84%, Los Angeles Federal Credit UnionLos Angeles Federal Credit Union201 N Los Angeles St, Los Angeles, CA, 90012A+5.0 ★Texas Ratio: 3.95% offering Automobiles & Trucks at 3.90%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Los Angeles has 25 local institutions in our database, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union at 500 World Way, Los Angeles, CA, 90045 5891. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Los Angeles, California. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Los Angeles, California & Surrounding Area
Los Angeles Auto Loan Rates
As Low As; Auto & Recreational Loans
As Low As; Auto & Recreational Loans
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
New Vehicle. Rates shown include 0.90% APR loan rate discount for automatic payment.
Published APR range: 3.90% to 16.00%. 125% financing for new purchases
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
As Low As; Auto & Recreational Loans
New Vehicle. Rates shown include 0.90% APR loan rate discount for automatic payment.
As Low As; Loan Type: 100% financing of purchase price, tax and license
As Low As; APR with discount as low (, requires direct deposit of $1,000/month); Standard APR As low as*: 4.49%; Preferred rate with FICO 700 and higher
- Oct 5, 20264.24%▼ from 4.74%
- Sep 18, 20264.74%▼ from 4.99%
- Sep 17, 20264.99%first recorded
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; APR with discount as low (, requires direct deposit of $1,000/month); Standard APR As low as*: 4.59%; Preferred rate with FICO 700 and higher
- Oct 5, 20264.34%▼ from 4.74%
- Sep 18, 20264.74%▼ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
As Low As; Loan Type: 100% financing of retail Kelley Blue Book for autos less than 6 years old; Estimated Payment per $1,000.00: $27.98
As Low As; APR with discount as low (, requires direct deposit of $1,000/month); Standard APR As low as*: 4.74%; Preferred rate with FICO 700 and higher
- Oct 5, 20264.49%▼ from 4.99%
- Sep 18, 20264.99%▼ from 5.24%
- Sep 17, 20265.24%first recorded
As Low As; Rate based on established member, term 36 months or less, LTV 90% or less, with UCU Automatic Payment and Repeat Borrower discounts
As Low As; Auto & Recreational Loans
Published APR range: 4.59% - 18.00%. Range of rates; rate based on creditworthiness
Published APR range: 4.59% - 18.00%. Range of rates; rate based on creditworthiness
Published APR range: 4.59% - 18.00%. Range of rates; rate based on creditworthiness
Published APR range: 4.59% - 18.00%. Range of Rates - New; Original loan term must be 60 months or less in order to be eligible for summers off
Published APR range: 4.59% - 18.00%. Range of Rates - New; Original loan term must be 60 months or less in order to be eligible for summers off
Published APR range: 4.59% - 18.00%. Range of Rates - New; Original loan term must be 60 months or less in order to be eligible for summers off
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Used Vehicle. Rates shown include 0.90% APR loan rate discount for automatic payment.
- Sep 18, 20264.59%▲ from 3.84%
- Sep 14, 20263.84%first recorded
New Vehicle. Rates shown include 0.90% APR loan rate discount for automatic payment.
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
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.
Includes -0.25% direct deposit and -0.25% auto pay discounts
100% Financing
- Oct 10, 20264.69%▲ from 4.44%
- Sep 14, 20264.44%first recorded
As Low As; Financing: 100%; Minimum FICO score 730; Rate increase of .25% for used vehicles
As Low As; Loan Type: 100% financing of purchase price, tax and license
As Low As; APR with discount as low (, requires direct deposit of $1,000/month); Standard APR As low as*: 4.99%; Preferred rate with FICO 700 and higher
- Oct 5, 20264.74%▼ from 4.99%
- Sep 18, 20264.99%▼ from 5.74%
- Sep 17, 20265.74%first recorded
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; New vehicles: Any current year or previous year models with less than 10,000 miles. Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay; 130% MSRP Advance Policy
- Sep 27, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
Autopay; 130% MSRP Advance Policy
- Sep 27, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
Autopay; 130% MSRP Advance Policy
- Sep 27, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Fixed rate; New vehicles are current or prior year model, 12K miles or less; Rate effective October 1, 2026
- Oct 9, 20264.75%▲ from 4.25%
- Sep 17, 20264.25%first recorded
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.
Includes -0.25% direct deposit and -0.25% auto pay discounts
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Loan Term
Used Vehicle. Rates shown include 0.90% APR loan rate discount for automatic payment.
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
if $20,000+; 70% financing of low valuation guide, or the vehicle's appraised value.
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.
Includes -0.25% direct deposit and -0.25% auto pay discounts
100% Financing
- Oct 10, 20264.94%▲ from 4.69%
- Sep 14, 20264.69%first recorded
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
As Low As; Loan Type: 100% financing of purchase price, tax and license
As Low As; Loan Type: 100% financing of wholesale Kelley Blue Book for autos over 6 years old; Estimated Payment per $1,000.00: $21.06
As Low As; APR with discount as low as 4.74% (requires direct deposit of $1000 per month to POLAM FCU account); Vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20264.99%▲ from 4.74%
- Sep 21, 20264.74%first recorded
As Low As; APR with discount as low as 4.74% (requires direct deposit of $1000 per month to POLAM FCU account); Vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20264.99%▲ from 4.74%
- Sep 21, 20264.74%first recorded
Published APR range: 4.99% - 18.00%. Range of rates; rate based on creditworthiness
Published APR range: 4.99% - 18.00%. Range of Rates - Used; Original loan term must be 60 months or less in order to be eligible for summers off
Published APR range: 4.99% - 18.00%. Range of Rates - Used; Original loan term must be 60 months or less in order to be eligible for summers off
Published APR range: 4.99% - 18.00%. Range of Rates - Used; Original loan term must be 60 months or less in order to be eligible for summers off
Published APR range: 4.99% - 18.00%. Range of rates; rate based on creditworthiness
Published APR range: 4.99% - 18.00%. Range of rates; rate based on creditworthiness
Published APR range: 4.99% - 18.00%. Range of rates; rate based on creditworthiness
As Low As; Vehicle up to ten model years old and newer; Rate based on established member, term 36 months or less, LTV 70% or less, with UCU Automatic Payment and Repeat Borrower discounts
As Low As; Used vehicles: Any vehicle that doesn't match NEW vehicle requirements. Rate And Term Dependent on Loan Amount. The lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. 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. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates. Minimum Amount Financed: $2,500
without Autopay; 130% MSRP Advance Policy
- Oct 10, 20264.99%▲ from 4.74%
- Sep 27, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
without Autopay; 130% MSRP Advance Policy
- Oct 10, 20264.99%▲ from 4.74%
- Sep 27, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
without Autopay; 130% MSRP Advance Policy
- Oct 10, 20264.99%▲ from 4.74%
- Sep 27, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Fixed rate; New vehicles are current or prior year model, 12K miles or less; Rate effective October 1, 2026
- Oct 9, 20265.00%▲ from 4.50%
- Sep 17, 20264.50%first recorded
As Low As; Financing: 100%; Minimum FICO score 730; Rate increase of .25% for used vehicles
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.
Includes -0.25% direct deposit and -0.25% auto pay discounts
As Low As; APR*
Used Vehicle. Rates shown include 0.90% APR loan rate discount for automatic payment.
New Vehicle. Rates shown include 0.90% APR loan rate discount for automatic payment.
- Sep 18, 20265.09%▼ from 5.54%
- Sep 14, 20265.54%first recorded
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+
Published APR range: 5.19% - 18.00%. Range of rates; rate based on creditworthiness
100% Financing
- Oct 10, 20265.19%▲ from 4.94%
- Sep 14, 20264.94%first recorded
As Low As; Financing: 100%; Minimum FICO score 730; Rate increase of .25% for used vehicles
As Low As
As Low As; Loan Type: Over $20,000.00
As Low As; Loan Type: --; Estimated Payment per $1,000.00: $16.89
New vehicles: Any current year or previous year models with less than 10,000 miles.
Autopay; 130% MSRP Advance Policy
- Sep 27, 20265.24%▲ from 4.49%
- Sep 22, 20264.49%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Autopay; 130% RKBB/JDP Advance Policy
- Sep 27, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Autopay; 130% RKBB/JDP Advance Policy
- Sep 27, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Fixed rate; New vehicles are current or prior year model, 12K miles or less; Rate effective October 1, 2026
- Oct 9, 20265.25%▲ from 4.75%
- Sep 17, 20264.75%first recorded
Maximum Financing: 100% of MSRP + tax, lic, GAP
As Low As; Loan Term
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants
100% Financing
- Oct 10, 20265.44%▲ from 5.19%
- Sep 14, 20265.19%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
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.
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
As Low As
As Low As; APR with discount as low (, requires direct deposit of $1,000/month); Standard APR As low as*: 5.74%; Preferred rate with FICO 700 and higher
- Oct 5, 20265.49%▼ from 5.74%
- Sep 18, 20265.74%first recorded
As Low As; APR with discount as low as 5.24% (requires direct deposit of $1000 per month to POLAM FCU account); Vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20265.49%▲ from 5.24%
- Sep 21, 20265.24%first recorded
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Rate higher for terms greater than 36 months
New vehicles: Any current year or previous year models with less than 10,000 miles.
Used vehicles: Any vehicle that doesn't match NEW vehicle requirements. Rate And Term Dependent on Loan Amount. The lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. 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. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates. Minimum Amount Financed: $8,500
Used vehicles: Any vehicle that doesn't match NEW vehicle requirements. Rate And Term Dependent on Loan Amount. The lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. 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. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates. Minimum Amount Financed: $10,000
without Autopay; 130% MSRP Advance Policy
- Oct 10, 20265.49%▲ from 5.24%
- Sep 27, 20265.24%▲ from 4.49%
- Sep 22, 20264.49%▼ from 4.99%
- Sep 14, 20264.99%first recorded
without Autopay; 130% RKBB/JDP Advance Policy
- Oct 10, 20265.49%▲ from 5.24%
- Sep 27, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
without Autopay; 130% RKBB/JDP Advance Policy
- Oct 10, 20265.49%▲ from 5.24%
- Sep 27, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Autopay; 130% RKBB/JDP Advance Policy
- Sep 27, 20265.49%▲ from 5.24%
- Sep 18, 20265.24%▼ from 5.49%
- Sep 14, 20265.49%first recorded
Published APR range: 5.50% to 16.50%. 125% financing for new purchases
As Low As; Fixed rate; New vehicles are current or prior year model, 12K miles or less; Rate effective October 1, 2026
- Oct 9, 20265.50%▲ from 5.00%
- Sep 17, 20265.00%first recorded
- Sep 21, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
As Low As; Financing: 100%; Minimum FICO score 730; Rate increase of .25% for used vehicles
Used Vehicle. Rates shown include 0.90% APR loan rate discount for automatic payment.
As Low As; Loan Amount: $15,000+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $5,000+
- Oct 9, 20265.59%▲ from 5.00%
- Sep 14, 20265.00%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Published APR range: 5.69% - 18.00%. Range of rates; rate based on creditworthiness
As Low As
As Low As; Loan Type: Over $30,000.00
Maximum Financing: 100% of MSRP + tax, lic, GAP
As Low As; Vehicle up to ten model years old and newer; Rate higher for terms greater than 36 months
New vehicles: Any current year or previous year models with less than 10,000 miles.
Autopay; 130% MSRP Advance Policy
- Sep 27, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
without Autopay; 130% RKBB/JDP Advance Policy
- Oct 10, 20265.74%▲ from 5.49%
- Sep 27, 20265.49%▲ from 5.24%
- Sep 18, 20265.24%▼ from 5.49%
- Sep 14, 20265.49%first recorded
Published APR range: 5.75% to 16.75%. 84 mos. if $20,000+; 125% financing for new purchases
As Low As; Fixed rate; New vehicles are current or prior year model, 12K miles or less; Rate effective October 1, 2026
- Oct 9, 20265.75%▲ from 5.25%
- Sep 17, 20265.25%first recorded
Maximum Financing: 80% of Purchase Price
- Sep 18, 20265.90%▼ from 7.90%
- Sep 14, 20267.90%first recorded
Maximum Financing: 90% of Purchase Price
- Sep 18, 20265.90%▲ from 4.90%
- Sep 14, 20264.90%first recorded
Maximum Financing: 80% of Purchase Price; Loan Type: Pre-Owned or Refinance <= 3 Years Auto Secured <= 3 Years; $50.00 CU processing fee required; DMV fees and sales tax may apply
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.
Includes -0.25% direct deposit and -0.25% auto pay discounts
100% Financing
- Oct 10, 20265.94%▲ from 5.69%
- Sep 14, 20265.69%first recorded
As Low As
As Low As; APR with discount as low as 5.74% (requires direct deposit of $1000 per month to POLAM FCU account); Vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20265.99%▲ from 5.74%
- Sep 21, 20265.74%first recorded
Published APR range: 5.99% - 18.00%. Range of rates; rate based on creditworthiness
Maximum Financing: 100% of MSRP + tax, lic, GAP
- Oct 9, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Used vehicles: Any vehicle that doesn't match NEW vehicle requirements. Rate And Term Dependent on Loan Amount. The lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. 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. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates. Minimum Amount Financed: $15,000
without Autopay; 130% MSRP Advance Policy
- Oct 10, 20265.99%▲ from 5.74%
- Sep 27, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Autopay; 130% RKBB/JDP Advance Policy
- Sep 27, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Fixed rate; Used vehicles are models 2-10 years prior to current year, under 100K miles; Rate effective October 1, 2026
- Oct 9, 20266.00%▲ from 5.50%
- Sep 17, 20265.50%first recorded
As Low As; Financing: 100%; Minimum FICO score 730; Rate increase of .25% for used vehicles
As Low As; Loan Amount: $15,000+
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; Loan Type: Over $30,000.00; Estimated Payment per $1,000.00: $14.16
- Oct 9, 20266.24%▲ from 5.74%
- Sep 14, 20265.74%first recorded
New vehicles: Any current year or previous year models with less than 10,000 miles.
without Autopay; 130% RKBB/JDP Advance Policy
- Oct 10, 20266.24%▲ from 5.99%
- Sep 27, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Fixed rate; Used vehicles are models 2-10 years prior to current year, under 100K miles; Rate effective October 1, 2026
- Oct 9, 20266.25%▲ from 5.75%
- Sep 17, 20265.75%first recorded
Vehicle age: 1 to 3 years old
Vehicle age: 1 to 3 years old
- Sep 21, 20266.25%▲ from 5.49%
- Sep 17, 20265.49%first recorded
Vehicle age: 1 to 3 years old
- Sep 21, 20266.25%▲ from 5.49%
- Sep 17, 20265.49%first recorded
Vehicle age: 1 to 3 years old
- Sep 21, 20266.25%▲ from 5.49%
- Sep 17, 20265.49%first recorded
Vehicle age: 1 to 3 years old
- Oct 13, 20266.25%▲ from 5.49%
- Sep 18, 20265.49%first recorded
- Oct 13, 20266.25%▲ from 5.49%
- Sep 18, 20265.49%first recorded
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
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.
Includes -0.25% direct deposit and -0.25% auto pay discounts
As Low As; Loan Term; *Please call for rates on model years 2022 or older.
As Low As; Rate higher for terms greater than 36 months
As Low As; Fixed rate; Used vehicles are models 2-10 years prior to current year, under 100K miles; Rate effective October 1, 2026
- Oct 9, 20266.50%▲ from 6.00%
- Sep 17, 20266.00%first recorded
Additional APR listed for this product: 7.01%. Vehicle age: 1 to 3 years old
- Sep 21, 20266.51%▲ from 5.49%
- Sep 17, 20265.49%first recorded
As Low As; Vehicle up to ten model years old and newer; Rate higher for terms greater than 36 months
Used vehicles: Any vehicle that doesn't match NEW vehicle requirements. Rate And Term Dependent on Loan Amount. The lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. 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. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates. Minimum Amount Financed: $25,000
As Low As; Fixed rate; Used vehicles are models 2-10 years prior to current year, under 100K miles; Rate effective October 1, 2026
- Oct 9, 20266.75%▲ from 6.25%
- Sep 17, 20266.25%first recorded
As Low As; Loan Amount: $20,000+; Up to 125% financing for qualified applicants
Maximum Financing: 90% of Purchase Price
- Sep 18, 20266.90%▼ from 7.90%
- Sep 14, 20267.90%first recorded
Los Angeles New Auto Auto Loan Rates
As Low As; Auto & Recreational Loans
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
As Low As; Auto & Recreational Loans
As Low As; Loan Type: 100% financing of purchase price, tax and license
As Low As; APR with discount as low (, requires direct deposit of $1,000/month); Standard APR As low as*: 4.49%; Preferred rate with FICO 700 and higher
- Oct 5, 20264.24%▼ from 4.74%
- Sep 18, 20264.74%▼ from 4.99%
- Sep 17, 20264.99%first recorded
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; APR with discount as low (, requires direct deposit of $1,000/month); Standard APR As low as*: 4.59%; Preferred rate with FICO 700 and higher
- Oct 5, 20264.34%▼ from 4.74%
- Sep 18, 20264.74%▼ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
As Low As; APR with discount as low (, requires direct deposit of $1,000/month); Standard APR As low as*: 4.74%; Preferred rate with FICO 700 and higher
- Oct 5, 20264.49%▼ from 4.99%
- Sep 18, 20264.99%▼ from 5.24%
- Sep 17, 20265.24%first recorded
As Low As; Rate based on established member, term 36 months or less, LTV 90% or less, with UCU Automatic Payment and Repeat Borrower discounts
Published APR range: 4.59% - 18.00%. Range of rates; rate based on creditworthiness
Published APR range: 4.59% - 18.00%. Range of rates; rate based on creditworthiness
Published APR range: 4.59% - 18.00%. Range of rates; rate based on creditworthiness
Published APR range: 4.59% - 18.00%. Range of Rates - New; Original loan term must be 60 months or less in order to be eligible for summers off
Published APR range: 4.59% - 18.00%. Range of Rates - New; Original loan term must be 60 months or less in order to be eligible for summers off
Published APR range: 4.59% - 18.00%. Range of Rates - New; Original loan term must be 60 months or less in order to be eligible for summers off
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Includes -0.25% direct deposit and -0.25% auto pay discounts
As Low As; Loan Type: 100% financing of purchase price, tax and license
As Low As; APR with discount as low (, requires direct deposit of $1,000/month); Standard APR As low as*: 4.99%; Preferred rate with FICO 700 and higher
- Oct 5, 20264.74%▼ from 4.99%
- Sep 18, 20264.99%▼ from 5.74%
- Sep 17, 20265.74%first recorded
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; New vehicles: Any current year or previous year models with less than 10,000 miles. Includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay; 130% MSRP Advance Policy
- Sep 27, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
Autopay; 130% MSRP Advance Policy
- Sep 27, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
Autopay; 130% MSRP Advance Policy
- Sep 27, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Fixed rate; New vehicles are current or prior year model, 12K miles or less; Rate effective October 1, 2026
- Oct 9, 20264.75%▲ from 4.25%
- Sep 17, 20264.25%first recorded
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Includes -0.25% direct deposit and -0.25% auto pay discounts
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Maximum Financing: 80% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Includes -0.25% direct deposit and -0.25% auto pay discounts
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
As Low As; Loan Type: 100% financing of purchase price, tax and license
Published APR range: 4.99% - 18.00%. Range of rates; rate based on creditworthiness
without Autopay; 130% MSRP Advance Policy
- Oct 10, 20264.99%▲ from 4.74%
- Sep 27, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
without Autopay; 130% MSRP Advance Policy
- Oct 10, 20264.99%▲ from 4.74%
- Sep 27, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
without Autopay; 130% MSRP Advance Policy
- Oct 10, 20264.99%▲ from 4.74%
- Sep 27, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Fixed rate; New vehicles are current or prior year model, 12K miles or less; Rate effective October 1, 2026
- Oct 9, 20265.00%▲ from 4.50%
- Sep 17, 20264.50%first recorded
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Includes -0.25% direct deposit and -0.25% auto pay discounts
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Type: Over $20,000.00
New vehicles: Any current year or previous year models with less than 10,000 miles.
Autopay; 130% MSRP Advance Policy
- Sep 27, 20265.24%▲ from 4.49%
- Sep 22, 20264.49%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed rate; New vehicles are current or prior year model, 12K miles or less; Rate effective October 1, 2026
- Oct 9, 20265.25%▲ from 4.75%
- Sep 17, 20264.75%first recorded
Maximum Financing: 100% of MSRP + tax, lic, GAP
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
As Low As; APR with discount as low (, requires direct deposit of $1,000/month); Standard APR As low as*: 5.74%; Preferred rate with FICO 700 and higher
- Oct 5, 20265.49%▼ from 5.74%
- Sep 18, 20265.74%first recorded
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Rate higher for terms greater than 36 months
New vehicles: Any current year or previous year models with less than 10,000 miles.
without Autopay; 130% MSRP Advance Policy
- Oct 10, 20265.49%▲ from 5.24%
- Sep 27, 20265.24%▲ from 4.49%
- Sep 22, 20264.49%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed rate; New vehicles are current or prior year model, 12K miles or less; Rate effective October 1, 2026
- Oct 9, 20265.50%▲ from 5.00%
- Sep 17, 20265.00%first recorded
- Sep 21, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
As Low As; Loan Amount: $15,000+; Up to 125% financing for qualified applicants
Published APR range: 5.69% - 18.00%. Range of rates; rate based on creditworthiness
As Low As; Loan Type: Over $30,000.00
Maximum Financing: 100% of MSRP + tax, lic, GAP
New vehicles: Any current year or previous year models with less than 10,000 miles.
Autopay; 130% MSRP Advance Policy
- Sep 27, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Fixed rate; New vehicles are current or prior year model, 12K miles or less; Rate effective October 1, 2026
- Oct 9, 20265.75%▲ from 5.25%
- Sep 17, 20265.25%first recorded
Maximum Financing: 80% of Purchase Price
- Sep 18, 20265.90%▼ from 7.90%
- Sep 14, 20267.90%first recorded
Maximum Financing: 90% of Purchase Price
- Sep 18, 20265.90%▲ from 4.90%
- Sep 14, 20264.90%first recorded
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Includes -0.25% direct deposit and -0.25% auto pay discounts
Maximum Financing: 100% of MSRP + tax, lic, GAP
without Autopay; 130% MSRP Advance Policy
- Oct 10, 20265.99%▲ from 5.74%
- Sep 27, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
New vehicles: Any current year or previous year models with less than 10,000 miles.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Includes -0.25% direct deposit and -0.25% auto pay discounts
As Low As; Rate higher for terms greater than 36 months
As Low As; Loan Amount: $20,000+; Up to 125% financing for qualified applicants
Maximum Financing: 90% of Purchase Price
- Sep 18, 20266.90%▼ from 7.90%
- Sep 14, 20267.90%first recorded
Los Angeles Used Auto Auto Loan Rates
As Low As; Auto & Recreational Loans
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
As Low As; Loan Type: 100% financing of retail Kelley Blue Book for autos less than 6 years old; Estimated Payment per $1,000.00: $27.98
As Low As; Auto & Recreational Loans
As Low As; Loan Amount: $2,500+
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Includes -0.25% direct deposit and -0.25% auto pay discounts
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Includes -0.25% direct deposit and -0.25% auto pay discounts
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Includes -0.25% direct deposit and -0.25% auto pay discounts
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
As Low As; Loan Type: 100% financing of wholesale Kelley Blue Book for autos over 6 years old; Estimated Payment per $1,000.00: $21.06
As Low As; APR with discount as low as 4.74% (requires direct deposit of $1000 per month to POLAM FCU account); Vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20264.99%▲ from 4.74%
- Sep 21, 20264.74%first recorded
As Low As; APR with discount as low as 4.74% (requires direct deposit of $1000 per month to POLAM FCU account); Vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20264.99%▲ from 4.74%
- Sep 21, 20264.74%first recorded
Published APR range: 4.99% - 18.00%. Range of Rates - Used; Original loan term must be 60 months or less in order to be eligible for summers off
Published APR range: 4.99% - 18.00%. Range of Rates - Used; Original loan term must be 60 months or less in order to be eligible for summers off
Published APR range: 4.99% - 18.00%. Range of Rates - Used; Original loan term must be 60 months or less in order to be eligible for summers off
Published APR range: 4.99% - 18.00%. Range of rates; rate based on creditworthiness
Published APR range: 4.99% - 18.00%. Range of rates; rate based on creditworthiness
Published APR range: 4.99% - 18.00%. Range of rates; rate based on creditworthiness
As Low As; Vehicle up to ten model years old and newer; Rate based on established member, term 36 months or less, LTV 70% or less, with UCU Automatic Payment and Repeat Borrower discounts
As Low As; Used vehicles: Any vehicle that doesn't match NEW vehicle requirements. Rate And Term Dependent on Loan Amount. The lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. 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. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates. Minimum Amount Financed: $2,500
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Includes -0.25% direct deposit and -0.25% auto pay discounts
As Low As; Loan Amount: $2,500+
Published APR range: 5.19% - 18.00%. Range of rates; rate based on creditworthiness
As Low As; Loan Type: --; Estimated Payment per $1,000.00: $16.89
Autopay; 130% RKBB/JDP Advance Policy
- Sep 27, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Autopay; 130% RKBB/JDP Advance Policy
- Sep 27, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Loan Amount: $2,500+
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
As Low As; APR with discount as low as 5.24% (requires direct deposit of $1000 per month to POLAM FCU account); Vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20265.49%▲ from 5.24%
- Sep 21, 20265.24%first recorded
Used vehicles: Any vehicle that doesn't match NEW vehicle requirements. Rate And Term Dependent on Loan Amount. The lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. 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. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates. Minimum Amount Financed: $8,500
Used vehicles: Any vehicle that doesn't match NEW vehicle requirements. Rate And Term Dependent on Loan Amount. The lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. 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. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates. Minimum Amount Financed: $10,000
without Autopay; 130% RKBB/JDP Advance Policy
- Oct 10, 20265.49%▲ from 5.24%
- Sep 27, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
without Autopay; 130% RKBB/JDP Advance Policy
- Oct 10, 20265.49%▲ from 5.24%
- Sep 27, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Autopay; 130% RKBB/JDP Advance Policy
- Sep 27, 20265.49%▲ from 5.24%
- Sep 18, 20265.24%▼ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Loan Amount: $5,000+
- Oct 9, 20265.59%▲ from 5.00%
- Sep 14, 20265.00%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Vehicle up to ten model years old and newer; Rate higher for terms greater than 36 months
without Autopay; 130% RKBB/JDP Advance Policy
- Oct 10, 20265.74%▲ from 5.49%
- Sep 27, 20265.49%▲ from 5.24%
- Sep 18, 20265.24%▼ from 5.49%
- Sep 14, 20265.49%first recorded
Maximum Financing: 80% of Purchase Price; Loan Type: Pre-Owned or Refinance <= 3 Years Auto Secured <= 3 Years; $50.00 CU processing fee required; DMV fees and sales tax may apply
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Includes -0.25% direct deposit and -0.25% auto pay discounts
As Low As; APR with discount as low as 5.74% (requires direct deposit of $1000 per month to POLAM FCU account); Vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20265.99%▲ from 5.74%
- Sep 21, 20265.74%first recorded
Published APR range: 5.99% - 18.00%. Range of rates; rate based on creditworthiness
- Oct 9, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Used vehicles: Any vehicle that doesn't match NEW vehicle requirements. Rate And Term Dependent on Loan Amount. The lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. 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. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates. Minimum Amount Financed: $15,000
Autopay; 130% RKBB/JDP Advance Policy
- Sep 27, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Fixed rate; Used vehicles are models 2-10 years prior to current year, under 100K miles; Rate effective October 1, 2026
- Oct 9, 20266.00%▲ from 5.50%
- Sep 17, 20265.50%first recorded
As Low As; Loan Amount: $15,000+
As Low As; Loan Type: Over $30,000.00; Estimated Payment per $1,000.00: $14.16
- Oct 9, 20266.24%▲ from 5.74%
- Sep 14, 20265.74%first recorded
without Autopay; 130% RKBB/JDP Advance Policy
- Oct 10, 20266.24%▲ from 5.99%
- Sep 27, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Fixed rate; Used vehicles are models 2-10 years prior to current year, under 100K miles; Rate effective October 1, 2026
- Oct 9, 20266.25%▲ from 5.75%
- Sep 17, 20265.75%first recorded
Vehicle age: 1 to 3 years old
Vehicle age: 1 to 3 years old
- Sep 21, 20266.25%▲ from 5.49%
- Sep 17, 20265.49%first recorded
Vehicle age: 1 to 3 years old
- Sep 21, 20266.25%▲ from 5.49%
- Sep 17, 20265.49%first recorded
Vehicle age: 1 to 3 years old
- Sep 21, 20266.25%▲ from 5.49%
- Sep 17, 20265.49%first recorded
Vehicle age: 1 to 3 years old
- Oct 13, 20266.25%▲ from 5.49%
- Sep 18, 20265.49%first recorded
- Oct 13, 20266.25%▲ from 5.49%
- Sep 18, 20265.49%first recorded
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Includes -0.25% direct deposit and -0.25% auto pay discounts
As Low As; Fixed rate; Used vehicles are models 2-10 years prior to current year, under 100K miles; Rate effective October 1, 2026
- Oct 9, 20266.50%▲ from 6.00%
- Sep 17, 20266.00%first recorded
Additional APR listed for this product: 7.01%. Vehicle age: 1 to 3 years old
- Sep 21, 20266.51%▲ from 5.49%
- Sep 17, 20265.49%first recorded
As Low As; Vehicle up to ten model years old and newer; Rate higher for terms greater than 36 months
Used vehicles: Any vehicle that doesn't match NEW vehicle requirements. Rate And Term Dependent on Loan Amount. The lowest advertised rate is based on creditworthiness and underwriting factors and includes a 0.75% discount off the effective date APR when you have direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP). 4.74% APR (5.74% APR without discounts) is the preferred rate for New Auto Loans and 4.99% APR (5.99% APR without discounts) is the preferred rate for Used Auto Loans. 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. For example, the monthly payment for New Auto per $1,000 borrowed for 36 months at 4.74% APR is $29.85 (this rate includes all discounts), and at 4.99% APR is $29.97 for Used Auto (this rate includes all discounts). These payment examples are for illustration purposes only. Your actual payment may vary. No additional discounts or promotions may be applied to these rates. Minimum Amount Financed: $25,000
As Low As; Fixed rate; Used vehicles are models 2-10 years prior to current year, under 100K miles; Rate effective October 1, 2026
- Oct 9, 20266.75%▲ from 6.25%
- Sep 17, 20266.25%first recorded
Los Angeles, CA Auto Loan Rate Trends
Compare local Los Angeles, CA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
California new auto rates rose 0.741 points over the past 7 days to 5.984% APR.
California used auto rates rose 1.024 points over the past 7 days to 6.738% APR.
Los Angeles, CA Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current California figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average California APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.98% APR Nat'l average | Used Auto @ 6.74% APR Nat'l average | Monthly Difference |
|---|---|---|---|
| $15,000 | $289.88/mo | $295.17/mo | $5.29/mo |
| $25,000 | $483.13/mo | $491.95/mo | $8.82/mo |
| $35,000 | $676.38/mo | $688.73/mo | $12.35/mo |
| $45,000 | $869.64/mo | $885.51/mo | $15.87/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Los Angeles, California
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Los Angeles, California locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in California. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Los Angeles, California high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Los Angeles, California CD rates lock in a guaranteed return until you’re ready to buy
Los Angeles, California Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $580 monthly car payment works out to roughly 16.6% of the median individual income in Los Angeles, California. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Los Angeles, California, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Los Angeles, California. We’ve prefilled the APR with today’s Nat'l new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Los Angeles, 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 Los Angeles, 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 Los Angeles, 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.
Bad Credit Auto Loans in Los Angeles, California
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Los Angeles, California
How does my credit score affect my car loan rate in California?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Los Angeles, California?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Los Angeles, California?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Los Angeles, California?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Actors Federal Credit Union: 3.74% (Auto Loans)
- Baxter Credit Union: 3.84% (Auto Loans - 2025 & Newer)
- Water and Power Community Credit Union: 3.84% (Auto Loans)
- Los Angeles Federal Credit Union: 3.90% (Automobiles & Trucks)
Los Angeles, California Rates & Resources
