Auto Loan Rates in Los Angeles, 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 Los Angeles, California include American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union500 World Way, Los Angeles, CA, 90045 5891A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, LA Healthcare Federal Credit UnionLA Healthcare Federal Credit Union320 W 15th St Ste 128, Los Angeles, CA, 90015 3092A+5.0 ★Texas Ratio: 1.37% offering New Auto at 3.75%, Los Angeles Federal Credit UnionLos Angeles Federal Credit Union201 N Los Angeles St, Los Angeles, CA, 90012A+5.0 ★Texas Ratio: 3.58% offering Automobiles & Trucks at 3.90%, Polam Federal Credit UnionPolam Federal Credit Union589 N LARCHMONT BLVD, LOS ANGELES, CA, 90004 1305A5.0 ★Texas Ratio: 6.49% offering New Vehicles Loan at 3.99%, Baxter Credit UnionBaxter Credit Union4501 Colorado Blvd, Los Angeles, CA, 90039A5.0 ★Texas Ratio: 7.04% offering Auto Loans at 4.14%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Los Angeles has 20 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 — 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: June 16, 2026
Compare Auto Loan Rates Today in Los Angeles, California & Surrounding Area
Los Angeles Auto Loan Rates
As low as
As Low As
As Low As
As low as
125% financing for new purchases
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
As low as
As Low As; 2026 & Newer
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
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
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.
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; 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.
Financing: 100%
As Low As
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
As Low As
As Low As; Standard APR: 5.25%
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.
Loan Amount: $2,500+
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; 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; 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
Standard APR: 5.59%
Financing: 100%
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; 2023 - 2025*
Loan Amount: $2,500+
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; 5.49% APR without Autopay
Financing: 100%
Over $20,000.00
As Low As; Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. Vehicles older than 7 years are subject to additional 1% APR. No multiple discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137. New and used auto loans funded as of January 1, 2025, are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions.
As Low As; Standard APR: 5.74%
As Low As; up to 84 months with no payments for up to 90 days!*
As Low As
As Low As
As Low As; 5.50% 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.
Loan Amount: $5,000+
APR with Autopay; 5.74% APR without Autopay
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; Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. Vehicles older than 7 years are subject to additional 1% APR. No multiple discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137.
As Low As; Standard APR: 5.99%
Standard APR: 5.99%
125% financing for new purchases
As Low As
As Low As
Financing: 100%
Loan Amount: $15,000+
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; 5.99% APR without Autopay
Over $30,000.00
As Low As; Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. Vehicles older than 7 years are subject to additional 1% APR. No multiple discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137. New and used auto loans funded as of January 1, 2025, are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions.
Standard APR: 6.24%
84 mos. if $20,000+; 125% financing for new purchases
As Low As
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; Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. Vehicles older than 7 years are subject to additional 1% APR. No multiple discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137.
As Low As
As Low As
Financing: 100%
Loan Amount: $15,000+
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 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.
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.
Loan Amount: $20,000+
Maximum Financing: 90% of Purchase Price
Loan Amount: $20,000+
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.
Loan Amount: $40,000+
Maximum Financing: 100% 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.
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.
Loan Amount: $40,000+
As Low As
Year: 2025-2026
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.
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; 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.**
Year: 2025-2026
Maximum APR: 13.50%
Model Year: 2011 to 2015
Model Year: 2016 to 2019
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
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
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
Los Angeles New Auto Auto Loan Rates
As low as
As Low As
As Low As
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
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
APR with Autopay; 4.74% APR without Autopay
APR with Autopay; 4.74% APR without Autopay
APR with Autopay; 4.74% APR without Autopay
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.
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 having a combined average daily balance in deposit balances across accounts of $200,000 and above.
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
As Low As
As Low As; Standard APR: 5.25%
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
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; 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; 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.
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 having a combined average daily balance in deposit balances across accounts of $200,000 and above.
Over $20,000.00
As Low As; Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. Vehicles older than 7 years are subject to additional 1% APR. No multiple discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137. New and used auto loans funded as of January 1, 2025, are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions.
As Low As; Standard APR: 5.74%
As Low As; 5.50% 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.
APR with Autopay; 5.74% APR without Autopay
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As; Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. Vehicles older than 7 years are subject to additional 1% APR. No multiple discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137.
As Low As; Standard APR: 5.99%
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.
Over $30,000.00
As Low As; Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. Vehicles older than 7 years are subject to additional 1% APR. No multiple discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137. New and used auto loans funded as of January 1, 2025, are eligible for an additional .25% discount on auto loans as long as you have direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month. Subject to change at any time. Cannot be combined with any other offers or promotions.
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; Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates are subject to change without notice. Vehicles older than 7 years are subject to additional 1% APR. No multiple discounts may be applied to these rates. All loans subject to credit approval. Restrictions apply. For more information call (800) 404-5137.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Maximum Financing: 90% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Maximum Financing: 100% 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
Year: 2025-2026
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; *
As Low As; Terms up to 84 months available.**
Year: 2025-2026
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
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
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
Los Angeles Used Auto Auto Loan Rates
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 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.
As low as
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.
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
As Low As
Standard APR: 5.59%
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; 5.49% APR without Autopay
As Low As
As Low As
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Standard APR: 5.99%
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 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; 5.99% APR without Autopay
Standard APR: 6.24%
As Low As
As Low As
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
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 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.
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.
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
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.
Non-Variable
As Low As; *
As Low As; Up to 120% Financing on Approved Credit
3.99%**
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 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 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.
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?
What are the best Auto Loan rates in Los Angeles, California?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- LA Healthcare Federal Credit Union: 3.75% (New Auto)
- Los Angeles Federal Credit Union: 3.90% (Automobiles & Trucks)
- Polam Federal Credit Union: 3.99% (New Vehicles Loan)
- Baxter Credit Union: 4.14% (Auto Loans)
Los Angeles, California Rates & Resources
