Los Angeles, California Best Auto Loan Rates - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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%, Actors Federal Credit UnionActors Federal Credit Union5757 Wilshire Blvd, Los Angeles, CA, 90036 3684B+4.8 ★Texas Ratio: 16.47% offering Auto Loan at 3.74%, 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%, Credit Union of Southern CaliforniaCredit Union of Southern California470 S San Vicente Blvd Fl 1, Los Angeles, CA, 90048 4107A+5.0 ★Texas Ratio: 2.43% offering Auto Loan at 3.99%, Priority One Credit Union South Pasadena, CAPriority One Credit Union South Pasadena, CA7001 S Central Ave Rm 100, Los Angeles, CA, 90052 4200A+5.0 ★Texas Ratio: 1.32% offering New Auto Loans at 4.00%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Los Angeles has 24 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: August 28, 2026
Compare Auto Loan Rates Today in Los Angeles, California & Surrounding Area
Los Angeles Auto Loan Rates
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As Low As; Includes a 0.50% discount when you have at least $750 monthly direct deposit to your CU SoCal Checking Account and an additional 0.25% discount as a Rewards+ Loyalty Program Member.
Discount Available (Max 0.50%): 0.25% for Automatic Payment + 0.25% for Checking/Direct Deposit or Loyalty Rewards.
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
2026 & Newer
As low as
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As
100% financing of retail Kelley Blue Book for autos less than 6 years old
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
New Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
As Low As; Payment Example per $1,000 Borrowed: $43.81
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
Financing: 100%
As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher.
As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher.
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; Includes 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
As Low As; 100% of MSRP + tax, lic, GAP
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; Payment Example per $1,000 Borrowed: $29.98
Loan Amount: $2,500+
if $20,000+
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
100% financing of wholesale Kelley Blue Book for autos over 6 years old
As Low As; 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; 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.
Used Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
As Low As; Rate applies to vehicles up to ten model years old and newer. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
As Low As; Preferred rate for Used Auto Loans. 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; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
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.
Fixed-APR; As Low As
2023 - 2025*
As low as
As low as
As Low As; Payment Example per $1,000 Borrowed: $23.16
Loan Amount: $2,500+
Used Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
As Low As
Financing: 100%
As Low As; 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; 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.
Rates displayed are the lowest rates available including a discount for automatic payment.
As Low As; 100% of MSRP + tax, lic, GAP
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; Includes 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
100% of MSRP + tax, lic, GAP
As Low As; Payment Example per $1,000 Borrowed: $19.09
Loan Amount: $5,000+
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; 100% of MSRP + tax, lic, GAP
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
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; Includes 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
As Low As; Preferred rate for Used Auto Loans. 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; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
Financing: 100%
As Low As; Payment Example per $1,000 Borrowed: $16.42
Loan Amount: $15,000+
Discounted APR: 5.00%
New Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
As Low As
As Low As; 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; 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.
100% of MSRP + tax, lic, GAP
As Low As; Rate applies to vehicles up to ten model years old and newer. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
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; Includes 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
84 mos. if $20,000+
As Low As
Rates displayed are the lowest rates available including a discount for automatic payment.
Maximum Financing: 80% of Purchase Price
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
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.
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Lowest rate is the preferred rate with a FICO score of 700 & higher.
Lowest rate is the preferred rate with a FICO score of 700 & higher.
Used Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
100% of MSRP + tax, lic, GAP
Discounted APR: 5.49%
As Low As; Preferred rate for Used Auto Loans. 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; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
Financing: 100%
Loan Amount: $15,000+
2023 - 2025*
As low as
Over $30,000.00
Discounted APR: 5.74%
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; Includes 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
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.
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
As Low As
As Low As; Rate applies to vehicles up to ten model years old and newer. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
As Low As; Preferred rate for Used Auto Loans. 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; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
As Low As; Payment Example per $1,000 Borrowed: $30.80
As Low As; Payment Example per $1,000 Borrowed: $15.08
Loan Amount: $20,000+
Maximum Financing: 90% of Purchase Price
As Low As; Payment Example per $1,000 Borrowed: $19.84
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months.
As Low As; Payment Example per $1,000 Borrowed: $17.41
Loan Amount: $40,000+
Maximum Financing: 100% of Purchase Price
As Low As; Payment Example per $1,000 Borrowed: $15.56
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; Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months.
Loan Amount: $40,000+
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months.
As Low As; Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months.
Additional 0.25% APR discount for established direct deposit in to a DFCU checking account and 0.25% APR rate discount for member having a DFCU Shield Elite Checking account.
Rates based on a FICO score 720 or above and subject to change. APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Your APR is determined by your credit qualifications.
As Low As
Est. Payment/$1,000 Borrowed: $29.30 to $36.15 based on a 36mo term
Rates as of 4/01/2026 and are subject to change at any time. 4.99% APY is the standard preferred rate with a minimum 750 FICO and a 36-month term on a New Vehicle Loan. Excludes existing LLFCU auto loans. Subject to credit approval and membership eligibility. Some restrictions may apply. The rate quoted is the standard preferred rate plus 0.50% rate discount with direct deposit and 0.50% rate discount with automatic payment established, and 0.50% rate discount for direct SEG employers (see credit union for employer lists). Other terms and conditions may apply see Credit Union for details.
Year: 2026-2027
Los Angeles New Auto Auto Loan Rates
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Discount Available (Max 0.50%): 0.25% for Automatic Payment + 0.25% for Checking/Direct Deposit or Loyalty Rewards.
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As low as
As Low As
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
New Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher.
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; Includes 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
As Low As; 100% of MSRP + tax, lic, GAP
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; 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.
Used Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As low as
Used Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
As Low As; 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; 100% of MSRP + tax, lic, GAP
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; Includes 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
100% of MSRP + tax, lic, GAP
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As; 100% of MSRP + tax, lic, GAP
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
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; Includes 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
New Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
As Low As; 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.
100% of MSRP + tax, lic, GAP
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; Includes 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Maximum Financing: 80% of Purchase Price
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Lowest rate is the preferred rate with a FICO score of 700 & higher.
Used Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
100% of MSRP + tax, lic, GAP
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; Includes 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
Maximum Financing: 90% of Purchase Price
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months.
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; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months.
Rates based on a FICO score 720 or above and subject to change. APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
Your APR is determined by your credit qualifications.
As Low As
Rates as of 4/01/2026 and are subject to change at any time. 4.99% APY is the standard preferred rate with a minimum 750 FICO and a 36-month term on a New Vehicle Loan. Excludes existing LLFCU auto loans. Subject to credit approval and membership eligibility. Some restrictions may apply. The rate quoted is the standard preferred rate plus 0.50% rate discount with direct deposit and 0.50% rate discount with automatic payment established, and 0.50% rate discount for direct SEG employers (see credit union for employer lists). Other terms and conditions may apply see Credit Union for details.
Year: 2026-2027
Los Angeles Used Auto Auto Loan Rates
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
100% financing of retail Kelley Blue Book for autos less than 6 years old
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
New Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher.
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.
100% financing of wholesale Kelley Blue Book for autos over 6 years old
As Low As; 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.
Used Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
As Low As; Rate applies to vehicles up to ten model years old and newer. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
As Low As; Preferred rate for Used Auto Loans. 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; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
Used Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
As Low As; 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.
Rates displayed are the lowest rates available including a discount for automatic payment.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
As Low As; Preferred rate for Used Auto Loans. 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; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
Discounted APR: 5.00%
New Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
As Low As; 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; Rate applies to vehicles up to ten model years old and newer. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
Rates displayed are the lowest rates available including a discount for automatic payment.
Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay.
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Lowest rate is the preferred rate with a FICO score of 700 & higher.
Used Auto Loan
Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.
Discounted APR: 5.49%
As Low As; Preferred rate for Used Auto Loans. 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; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
Autopay must be from a qualified Southland checking account to receive the deduction (0.25%). All APRs shown are calculated at a $10,000 loan amount.
As Low As
Over $30,000.00
Discounted APR: 5.74%
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; Rate applies to vehicles up to ten model years old and newer. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
As Low As; Preferred rate for Used Auto Loans. 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; a 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP).
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; Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months.
As Low As; Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 70% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 70% and/or terms greater than 36 months.
Rates based on a FICO score 720 or above and subject to change. APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As
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 0.157 points over the past 7 days to 5.775% APR.
California used auto rates rose 0.118 points over the past 7 days to 6.009% APR.
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 @ 5.77% APR CA average | Used Auto @ 6.01% APR CA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $288.42/mo | $290.05/mo | $1.63/mo |
| $25,000 | $480.70/mo | $483.42/mo | $2.72/mo |
| $35,000 | $672.99/mo | $676.79/mo | $3.80/mo |
| $45,000 | $865.27/mo | $870.16/mo | $4.89/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.
About Our Los Angeles, California Auto Loan Rate Database
Our Los Angeles, California auto loan tables currently track 33 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Los Angeles, California database right now is 3.10% APR from UPS Employees Federal Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
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 $577 monthly car payment works out to roughly 16.5% of the median individual income in Los Angeles, California. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% 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 1–3 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 (0–2.9% 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 CA 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.
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?
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 Loan)
- Los Angeles Federal Credit Union: 3.90% (Automobiles & Trucks)
- Credit Union of Southern California: 3.99% (Auto Loan)
- Priority One Credit Union South Pasadena, CA: 4.00% (New Auto Loans)
Los Angeles, California Rates & Resources
