San Francisco, CA Best Auto Loan Rates for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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San Francisco, California auto loan rates range from 3.00% to 11.38% APR, verified by MonitorBankRates as of October 26, 2026. Current auto loan rates in San Francisco, California include American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionSan Francisco International Airport Terminal 1, San Francisco, CA, 94128A+5.0 ★Texas Ratio: 2.87%Rate verified Oct 23, 2026 offering New Auto Loan at 3.34%, Redwood Credit UnionRedwood Credit Union1390 Market St, San Francisco, CA, 94102A+5.0 ★Texas Ratio: 4.20%Rate verified Oct 26, 2026 offering New Auto Loan at 4.59%, San Francisco Fire Credit UnionSan Francisco Fire Credit Union3201 California St, San Francisco, CA, 94118 1903A+5.0 ★Texas Ratio: 3.32%Rate verified Oct 26, 2026 offering New Auto Loan - 2025 or newer at 4.63%, San Francisco Federal Credit UnionSan Francisco Federal Credit Union770 Golden Gate Ave, San Francisco, CA, 94102 3120A+5.0 ★Texas Ratio: 0.53%Rate verified Oct 23, 2026 offering New Auto - 2026 or Newer with Less than 5K Miles at 4.74%, The Police Credit UnionThe Police Credit Union802 Bryant St, San Francisco, CA, 94103A+5.0 ★Texas Ratio: 3.54%Rate verified Oct 26, 2026 offering New Auto Loan at 4.74%. Auto loan rates as of October 26, 2026 according to verified data from MonitorBankRates.
San Francisco has 14 local institutions in our database, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union at San Francisco International Airport Terminal 1, San Francisco, CA, 94128. 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 San Francisco, California. Auto Loan Rates Last Updated and Verified: October 26, 2026
Compare Auto Loan Rates Today in San Francisco, California & Surrounding Area
San Francisco Auto Loan Rates
As Low As
As Low As
As Low As
As Low As
Credit Score (720+); Min Amount: $5,000; New autos may be financed up to 125% MSRP
- Oct 9, 20264.59%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Loan amount: $5,000; Lowest available rate for qualified borrowers; includes 0.25% discount for Automatic Loan Payments; rate increases 0.25% if automatic payments are not established or are cancelled
Loan amount: $10,000; Lowest available rate for qualified borrowers; includes 0.25% discount for Automatic Loan Payments; rate increases 0.25% if automatic payments are not established or are cancelled
Loan amount: $15,000; Lowest available rate for qualified borrowers; includes 0.25% discount for Automatic Loan Payments; rate increases 0.25% if automatic payments are not established or are cancelled
Loan amount: $25,000; Lowest available rate for qualified borrowers; includes 0.25% discount for Automatic Loan Payments; rate increases 0.25% if automatic payments are not established or are cancelled
As Low As; Last Updated: 10/01/2026
- Oct 5, 20264.74%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; LTV <=75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less
Loan amount: $5,000; Rates shown are the lowest available for qualified borrowers and include a 0.25% discount for Automatic Loan Payments
Loan amount: $10,000; Rates shown are the lowest available for qualified borrowers and include a 0.25% discount for Automatic Loan Payments
Loan amount: $15,000; Rates shown are the lowest available for qualified borrowers and include a 0.25% discount for Automatic Loan Payments
Loan amount: $25,000; Rates shown are the lowest available for qualified borrowers and include a 0.25% discount for Automatic Loan Payments
As Low As; LTV <=75%; Used auto 2017 to 2025
Min Amount: $5,000; Credit score tier not shown in table (block follows Credit Score tabs); Rates effective 10/25/2026
- Oct 9, 20264.84%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; LTV <=75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less
Credit Score (720+); Min Amount: $5,000; New autos may be financed up to 125% MSRP
- Oct 9, 20264.89%▲ from 4.79%
- Sep 14, 20264.79%first recorded
As Low As; Payment (per $1,000): $23.04
As Low As; Used autos, trucks and vans; up to 100% of retail Kelley Blue Book value financing
As Low As; Financing up to 125% for current and prior model year
As Low As; Financing up to 125% for current and prior model year
110% financing
110% financing
As Low As; LTV > 75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less
As Low As; LTV <=75%; Used auto 2017 to 2025
As Low As; LTV >75%; Used auto 2017 to 2025
As Low As; LTV > 75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less
As Low As; LTV <=75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less
Credit Score (720+); Min Amount: $10,000; New autos may be financed up to 125% MSRP
- Oct 9, 20265.19%▲ from 5.09%
- Sep 14, 20265.09%first recorded
As Low As; Payment (per $1,000): $19.00
As Low As; Used autos, trucks and vans; up to 100% of retail Kelley Blue Book value financing
As Low As; Financing up to 125% for current and prior model year
110% financing
As Low As; LTV >75%; Used auto 2017 to 2025
As Low As; LTV <=75%; Used auto 2017 to 2025
APR range: 5.24% - 14.74%; Minimum Loan Amount: $5,000; Effective Date: 10/01/2026
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
As Low As; LTV > 75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less
As Low As; Rate Effective Date: October 1, 2026
Min Amount: $5,000; Classic cars 20 model years old or older; financed up to 90% Black Book value
Min Amount: $5,000; Credit score tier not shown in table (block follows Credit Score tabs); Rates effective 10/25/2026
- Oct 9, 20265.39%▲ from 5.29%
- Sep 14, 20265.29%first recorded
As Low As; Rate Effective Date: October 1, 2026
As Low As; Last Updated: 10/01/2026
- Oct 5, 20265.45%▲ from 4.95%
- Sep 14, 20264.95%first recorded
As Low As; Payment (per $1,000): $16.35
As Low As; Used autos, trucks and vans; up to 100% of retail Kelley Blue Book value financing
As Low As; LTV <=75%; $25k and over; NEW AUTO: 2026 or 2025 with 7,500 miles or less; 73-84 month term only available for loans $25K and over
As Low As; LTV >75%; Used auto 2017 to 2025
APR range: 5.49% - 14.99%; Minimum Loan Amount: $15,000; Effective Date: 10/01/2026
APR range: 5.49% - 15.24%; Minimum Loan Amount: $5,000; Effective Date: 10/01/2026
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
As Low As; Last Updated: 10/01/2026
- Oct 5, 20265.50%▲ from 5.00%
- Sep 14, 20265.00%first recorded
As Low As; Rate Effective Date: October 1, 2026
As Low As; Last Updated: 10/01/2026
- Oct 5, 20265.55%▲ from 5.05%
- Sep 14, 20265.05%first recorded
As Low As; Rate Effective Date: October 1, 2026
As Low As; Last Updated: 10/01/2026
- Oct 5, 20265.63%▲ from 5.13%
- Sep 14, 20265.13%first recorded
As Low As; Fixed-rate new car loan; 60-month auto loan options; as of Oct. 26, 2026; excludes BofA Rewards discount of up to 0.50%; advertised APR assumes excellent credit
As Low As; 5-year fixed-rate new car loan; as of Oct. 26, 2026; rates do not include BofA Rewards discount up to 0.50%
As Low As; Rate Effective Date: October 1, 2026
Min Amount: $10,000; Classic cars 20 model years old or older; financed up to 90% Black Book value
Credit Score (720+); Min Amount: $20,000; New autos may be financed up to 125% MSRP
- Oct 9, 20265.69%▲ from 5.59%
- Sep 14, 20265.59%first recorded
Min Amount: $10,000; Credit score tier not shown in table (block follows Credit Score tabs); Rates effective 10/25/2026
- Oct 9, 20265.69%▲ from 5.59%
- Sep 14, 20265.59%first recorded
As Low As; Rate Effective Date: October 1, 2026
As Low As; Last Updated: 10/01/2026
- Oct 5, 20265.70%▲ from 5.20%
- Sep 14, 20265.20%first recorded
As Low As; Older used vehicles - finance up to 100% of Kelley Blue Book wholesale value for 2018-2019 model vehicles; not to exceed 10 model years
As Low As; LTV > 75%; $25k and over; NEW AUTO: 2026 or 2025 with 7,500 miles or less; 73-84 month term only available for loans $25K and over
APR range: 5.74% - 15.49%; Minimum Loan Amount: $15,000; Effective Date: 10/01/2026
As Low As; Fixed Rate APR As Low As; Disclaimers: Q, R, SS, T
- Oct 9, 20265.75%▲ from 5.50%
- Sep 14, 20265.50%first recorded
As Low As; Current rates as low as 5.750% APR; 100% financing available; no payments for 90 days option; no maximum model year age or mileage restrictions; rate discount available to qualified members
- Oct 9, 20265.75%▲ from 5.50%
- Sep 18, 20265.50%first recorded
As Low As; LTV <=75%; Used auto 2017 to 2025; Loan amount $25k and over
As Low As; Rate Effective Date: October 1, 2026
As Low As; Fixed-rate used car loan; 60-month auto loan options; as of Oct. 26, 2026; excludes BofA Rewards discount of up to 0.50%; advertised APR assumes excellent credit
As Low As; 5-year fixed-rate used car loan; as of Oct. 26, 2026; rates do not include BofA Rewards discount up to 0.50%
As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026
As Low As; Fixed Rate APR As Low As; Disclaimers: Q, R, SS, T
- Oct 9, 20265.88%▲ from 5.63%
- Sep 14, 20265.63%first recorded
As Low As; Rate Effective Date: October 1, 2026
As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026
As Low As; Older used vehicles - finance up to 100% of Kelley Blue Book wholesale value for 2018-2019 model vehicles; not to exceed 10 model years
APR range: 5.99% - 15.49%; Minimum Loan Amount: $25,000; Effective Date: 10/01/2026
As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026
As Low As; Fixed Rate APR As Low As; Disclaimers: Q, R, SS, T
- Oct 9, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
Financing amount: $45,000; For online applicants with excellent credit history; Last updated 10/22/2026
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $45,000; APR based on 60 months and $45,000; for online applicants with excellent credit; rates may vary by credit history, vehicle, financing amount and term
- Oct 26, 20266.04%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
As Low As; LTV >75%; Used auto 2017 to 2025; Loan amount $25k and over
As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026
Financing amount: $30,000; For online applicants with excellent credit history; Last updated 10/22/2026
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
Financing amount: $30,000; APR based on 60 months and $30,000; for online applicants with excellent credit; rates may vary by credit history, vehicle, financing amount and term
- Oct 26, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026
Min Amount: $20,000; Credit score tier not shown in table (block follows Credit Score tabs); Rates effective 10/25/2026
- Oct 9, 20266.19%▲ from 6.09%
- Sep 14, 20266.09%first recorded
As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026
As Low As; Min. Loan Amount $30,000; Payment (per $1,000): $14.74
As Low As; Min. Loan Amount $30,000; Used autos, trucks and vans; up to 100% of retail Kelley Blue Book value financing
APR range: 6.24% - 15.74%; Minimum Loan Amount: $25,000; Effective Date: 10/01/2026
Term: 73-84 months ($20K min); As Low As; Fixed Rate APR As Low As; Disclaimers: Q, R, SS, T
Published APR range: 7.25% to 13.25%.
- Oct 22, 20267.25%▲ from 6.50%
- Sep 14, 20266.50%first recorded
As Low As; Model Year: 2004-2016
100% financing for toys up to 5 years old
As Low As; Financing may include purchase price, tax, license, GAP, based on up to 90% of Blue Book.
As Low As; Model Year: 2004-2016
100% financing for toys up to 5 years old
As Low As; Financing available only on vehicles with 100,000 miles or less; Last Updated: 10/01/2026
- Oct 13, 20267.85%▲ from 7.35%
- Sep 17, 20267.35%first recorded
As Low As
Financing up to 110% for current and prior model year
Financing up to 110% for current and prior model year
110% financing
110% financing
100% financing for toys up to 5 years old
Published APR range: 8.00% to 14.00%.
- Oct 22, 20268.00%▲ from 7.25%
- Sep 14, 20267.25%first recorded
As Low As; Model Year: 2004-2016
Financing up to 110% for current and prior model year
110% financing
Up to 100% financing for RVs up to 10 years old
Up to 100% financing for RVs up to 10 years old
Loan amount: $5,000
Loan amount: $10,000
Up to 100% financing for RVs up to 10 years old
As Low As; Financing available only on vehicles with 100,000 miles or less; Last Updated: 10/01/2026
- Oct 13, 20268.95%▲ from 8.45%
- Sep 17, 20268.45%first recorded
As Low As; Financing available only on vehicles with 100,000 miles or less; Last Updated: 10/01/2026
- Oct 13, 20269.00%▲ from 8.50%
- Sep 17, 20268.50%first recorded
As Low As; Financing available only on vehicles with 100,000 miles or less; Last Updated: 10/01/2026
- Oct 13, 20269.05%▲ from 8.55%
- Sep 17, 20268.55%first recorded
As Low As; Financing available only on vehicles with 100,000 miles or less; Last Updated: 10/01/2026
- Oct 13, 20269.15%▲ from 8.65%
- Sep 17, 20268.65%first recorded
As Low As; Financing available only on vehicles with 100,000 miles or less; Last Updated: 10/01/2026
- Oct 13, 20269.25%▲ from 8.75%
- Sep 17, 20268.75%first recorded
Published APR range: 10.00% to 16.00%.
- Oct 22, 202610.00%▲ from 7.25%
- Sep 14, 20267.25%first recorded
As Low As; Fixed Rate APR As Low As; Disclaimers: Q, R, SS, T, U
- Oct 9, 202611.38%▲ from 11.13%
- Sep 14, 202611.13%first recorded
Year: 2026-2027; Minimum APR: 3.00%; Maximum APR: 12.50%
- Oct 9, 20263.00%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Year: 2026-2027; Minimum APR: 3.25%; Maximum APR: 12.75%
- Oct 9, 20263.25%▼ from 3.75%
- Sep 14, 20263.75%first recorded
LBFCU will finance up to 90% of purchase price without payroll deduction or file transfer, up to 100% with payroll deduction or file transfer; Monthly payment per $1,000 borrowed: $29.20
APR range: 3.49% to 18.00%; Est. payment $29.30 to $36.15 based on a 36mo term; Max rate discount 1.50% reflected; Lowest auto loan rate subject to 36mo term
As Low As; Up to 130% MSRP; Rates are .25% higher without automatic payment
Year: 2026-2027; Minimum APR: 3.50%; Maximum APR: 13.00%
- Oct 9, 20263.50%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Model Year: 2025-2015; Maximum APR: 13.00%
- Oct 9, 20263.50%▼ from 4.00%
- Sep 14, 20264.00%first recorded
LBFCU will finance up to 90% of purchase price without payroll deduction or file transfer, up to 100% with payroll deduction or file transfer
APR range: 3.74% to 18.00%; Est. payment $29.41 to $36.15 based on a 36mo term; Max rate discount 1.50% reflected; Lowest auto loan rate subject to 36mo term
New & Used vehicles; Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay
As Low As; Up to 130% MSRP; Rates are .25% higher without automatic payment
As Low As; Up to 130% KBB; Rates are .25% higher without automatic payment
Model Year: 2025-2015; Maximum APR: 13.25%
- Oct 9, 20263.75%▼ from 4.25%
- Sep 14, 20264.25%first recorded
As Low As; with Relationship Rewards
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%first recorded
As Low As; APR range: 3.90% to 16.00%; Maximum Loan: 125% financing for new purchases
As Low As; Rates Effective: May 1, 2026; APR includes 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR; 90 days with no payments available
As Low As; Rates Effective: May 1, 2026; APR includes 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR; 90 days with no payments available
As Low As; Rates Effective: May 1, 2026; APR includes 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR; 90 days with no payments available
As Low As; Rates Effective: May 1, 2026; APR includes 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR; 90 days with no payments available
Term: 60 months + .50% | 72 months + 1% | 84 months + 2%; Published APR range: 3.99% - 13.49%. Extended Term Rate Adjustments May Apply
As Low As; APR up to 13.24%; Est. payment per $1,000: $44 (as low as), $48 (up to); New autos not previously owned and/or under 10,000 miles; Rates include .50% reduction for eStatements and Automatic Payments
As Low As; APR up to 13.24%; Est. payment per $1,000: $30 (as low as), $34 (up to); New autos not previously owned and/or under 10,000 miles; Rates include .50% reduction for eStatements and Automatic Payments
As Low As; APR up to 13.49%; Est. payment per $1,000: $23 (as low as), $28 (up to); New autos not previously owned and/or under 10,000 miles; Rates include .50% reduction for eStatements and Automatic Payments
As Low As; APR up to 14.49%; Est. payment per $1,000: $19 (as low as), $24 (up to); New autos not previously owned and/or under 10,000 miles; Rates include .50% reduction for eStatements and Automatic Payments
As Low As; APR up to 11.49%; Est. payment per $1,000: $16 (as low as), $20 (up to); New autos not previously owned and/or under 10,000 miles; Rates include .50% reduction for eStatements and Automatic Payments
Rates effective as of January 20, 2025; Advertised rates based on Premier FICO score of 750+
Rates effective as of January 20, 2025; Advertised rates based on Premier FICO score of 750+
As Low As; Model year change is considered January 1st of each new year; Rates current as of August 1, 2026; Lowest rates reflect 0.50% discount for automatic transfer payment and 0.50% discount for minimum monthly Direct Deposit of $700 or more
As Low As; Model year change is considered January 1st of each new year; Rates current as of August 1, 2026; Lowest rates reflect 0.50% discount for automatic transfer payment and 0.50% discount for minimum monthly Direct Deposit of $700 or more
As Low As; NEW Auto Loan Rates
As Low As; Max Amount Financed: up to 125%
As Low As; Max Amount Financed: up to 125%
New vehicle loan
As Low As; Best rate is for term of 36 months; Terms up to 84 months; higher rates apply for terms longer than 36 months; includes .25% automatic payment discount from an Arrowhead account; rates valid as of 10/25/2026
APR Range: 3.99% - 16.99%
As Low As; APR Range: 3.99% - 16.99%; Best rate is for term of 36 months; includes .25% automatic payment discount from an Arrowhead account; Effective Date: October 25, 2026
Discounted rate when financing through auto buying partner (New Cars Inc.) and purchasing two ancillary products
- Oct 26, 20263.99%▼ from 4.99%
- Oct 9, 20264.99%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Finance up to 125% maximum LTV (MSRP/Retail Kelley Blue Book/NADA Value); LTV includes tax, title, and license; Rates as of 09/23/2026
As Low As; Loan Minimum: $500; Loan Maximum: $130,000
As Low As; Loan Minimum: $5,000; Loan Maximum: $130,000
As Low As; Base rates for new and late model vehicles (model years 2021-2026); subject to credit approval; maximum LTV limits apply
As Low As; Up to 130% KBB; Rates are .25% higher without automatic payment
As Low As; For new vehicles, financing up to 125% of MSRP Listed Price; for used vehicles, up to 125% of KBB Typical Listing Price, vehicles up to 12 years old or newer, max 100,000 miles
As Low As; Terms up to 84 months available
As Low As; Terms up to 72 months available
Year: 2026-2027; Minimum APR: 4.00%; Maximum APR: 13.50%
- Oct 9, 20264.00%▼ from 4.50%
- Sep 14, 20264.50%first recorded
Model Year: 2011 to 2015; Risk Grade A+
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
Model Year: 2016 to 2019; Risk Grade A+
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; Rates as of Oct 26, 2026 ET; New Vehicles: 2025 and newer model years with under 7,500 miles, or between 7,500 and 30,000 miles
As Low As; Model Years 2021 and Newer; UP TO 120%
As Low As; Model Years 2021 and Newer; UP TO 120%
Model Years 2016-2020; APR* As Low As; up to 110% LTV
Model Years 2016-2020; APR* As Low As; up to 110% LTV
Model Year 2020-2024
APR range: 4.20%-18.00%
- Oct 9, 20264.20%▼ from 4.99%
- Sep 30, 20264.99%first recorded
As Low As; Finance Amount: Any Amount; Rate for well-qualified borrowers; includes 0.50% automatic payment discount; add .50% if not on automatic payment transfer or payroll deduction
New & Used vehicles; Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay
As Low As; Loan Type: 100% financing of purchase price, tax and license; Estimated payment per $1,000.00: $27.96
Rate range: 4.24% - 19.00%; Effective 9/25/2026; Minimum loan $5,000; Floor rate 1.49%
- Oct 1, 20264.24%▲ from 3.54%
- Sep 18, 20263.54%first recorded
As Low As; Loan Minimum: $500; Loan Maximum: $130,000
As Low As; Loan Minimum: $5,000; Loan Maximum: $130,000
APR range: 4.24% - 15.99%; New auto rate applies to vehicles with less than 7,500 miles, not previously registered, in the current or previous model year
As Low As; New Vehicle; includes 0.50% APR automatic payment discount; on approved credit; up to 125% financing available
As Low As; Up to 130% MSRP; Rates are .25% higher without automatic payment
As Low As; Standard APR; Effective 10/01/2026; No Payments for up to 90 Days available; Vehicles up to three years old
As Low As; NEW Cars, Trucks, & SUVs | 2025-current | mileage up to 5k; Financing up to 100% | Terms up to 84 months
Model Year: 2020 to 2024; Risk Grade A+
FICO 730+; Minimum loan $3,500.00; Maximum LTV 110%; Lower rate of existing loan: 0.25% lower, not below lowest rate
FICO 730+; Minimum loan $3,500.00; Maximum LTV 110% of low KBB; Older vehicles (6+ years or 60,000+ miles): add 2%; Lower rate of existing loan: 0.25% lower, not below lowest rate
Year: 2026-2027; Minimum APR: 4.25%; Maximum APR: 13.75%
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%first recorded
Model Year: 2025-2015; Maximum APR: 13.75%
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%first recorded
San Francisco New Auto Auto Loan Rates
As Low As
As Low As
Credit Score (720+); Min Amount: $5,000; New autos may be financed up to 125% MSRP
- Oct 9, 20264.59%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Loan amount: $5,000; Lowest available rate for qualified borrowers; includes 0.25% discount for Automatic Loan Payments; rate increases 0.25% if automatic payments are not established or are cancelled
Loan amount: $10,000; Lowest available rate for qualified borrowers; includes 0.25% discount for Automatic Loan Payments; rate increases 0.25% if automatic payments are not established or are cancelled
Loan amount: $15,000; Lowest available rate for qualified borrowers; includes 0.25% discount for Automatic Loan Payments; rate increases 0.25% if automatic payments are not established or are cancelled
Loan amount: $25,000; Lowest available rate for qualified borrowers; includes 0.25% discount for Automatic Loan Payments; rate increases 0.25% if automatic payments are not established or are cancelled
As Low As; Last Updated: 10/01/2026
- Oct 5, 20264.74%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; LTV <=75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less
As Low As; LTV <=75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less
Credit Score (720+); Min Amount: $5,000; New autos may be financed up to 125% MSRP
- Oct 9, 20264.89%▲ from 4.79%
- Sep 14, 20264.79%first recorded
As Low As; Payment (per $1,000): $23.04
As Low As; Financing up to 125% for current and prior model year
As Low As; Financing up to 125% for current and prior model year
As Low As; LTV > 75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less
As Low As; LTV > 75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less
As Low As; LTV <=75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less
Credit Score (720+); Min Amount: $10,000; New autos may be financed up to 125% MSRP
- Oct 9, 20265.19%▲ from 5.09%
- Sep 14, 20265.09%first recorded
As Low As; Payment (per $1,000): $19.00
As Low As; Financing up to 125% for current and prior model year
APR range: 5.24% - 14.74%; Minimum Loan Amount: $5,000; Effective Date: 10/01/2026
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
As Low As; LTV > 75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less
As Low As; Rate Effective Date: October 1, 2026
As Low As; Rate Effective Date: October 1, 2026
As Low As; Last Updated: 10/01/2026
- Oct 5, 20265.45%▲ from 4.95%
- Sep 14, 20264.95%first recorded
As Low As; Payment (per $1,000): $16.35
As Low As; LTV <=75%; $25k and over; NEW AUTO: 2026 or 2025 with 7,500 miles or less; 73-84 month term only available for loans $25K and over
APR range: 5.49% - 14.99%; Minimum Loan Amount: $15,000; Effective Date: 10/01/2026
As Low As; Last Updated: 10/01/2026
- Oct 5, 20265.50%▲ from 5.00%
- Sep 14, 20265.00%first recorded
As Low As; Rate Effective Date: October 1, 2026
As Low As; Last Updated: 10/01/2026
- Oct 5, 20265.55%▲ from 5.05%
- Sep 14, 20265.05%first recorded
As Low As; Last Updated: 10/01/2026
- Oct 5, 20265.63%▲ from 5.13%
- Sep 14, 20265.13%first recorded
As Low As; Fixed-rate new car loan; 60-month auto loan options; as of Oct. 26, 2026; excludes BofA Rewards discount of up to 0.50%; advertised APR assumes excellent credit
As Low As; 5-year fixed-rate new car loan; as of Oct. 26, 2026; rates do not include BofA Rewards discount up to 0.50%
As Low As; Rate Effective Date: October 1, 2026
Credit Score (720+); Min Amount: $20,000; New autos may be financed up to 125% MSRP
- Oct 9, 20265.69%▲ from 5.59%
- Sep 14, 20265.59%first recorded
As Low As; Last Updated: 10/01/2026
- Oct 5, 20265.70%▲ from 5.20%
- Sep 14, 20265.20%first recorded
As Low As; LTV > 75%; $25k and over; NEW AUTO: 2026 or 2025 with 7,500 miles or less; 73-84 month term only available for loans $25K and over
As Low As; Fixed Rate APR As Low As; Disclaimers: Q, R, SS, T
- Oct 9, 20265.75%▲ from 5.50%
- Sep 14, 20265.50%first recorded
As Low As; Current rates as low as 5.750% APR; 100% financing available; no payments for 90 days option; no maximum model year age or mileage restrictions; rate discount available to qualified members
- Oct 9, 20265.75%▲ from 5.50%
- Sep 18, 20265.50%first recorded
As Low As; Fixed Rate APR As Low As; Disclaimers: Q, R, SS, T
- Oct 9, 20265.88%▲ from 5.63%
- Sep 14, 20265.63%first recorded
APR range: 5.99% - 15.49%; Minimum Loan Amount: $25,000; Effective Date: 10/01/2026
As Low As; Fixed Rate APR As Low As; Disclaimers: Q, R, SS, T
- Oct 9, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
Financing amount: $45,000; For online applicants with excellent credit history; Last updated 10/22/2026
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $45,000; APR based on 60 months and $45,000; for online applicants with excellent credit; rates may vary by credit history, vehicle, financing amount and term
- Oct 26, 20266.04%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
As Low As; Min. Loan Amount $30,000; Payment (per $1,000): $14.74
Term: 73-84 months ($20K min); As Low As; Fixed Rate APR As Low As; Disclaimers: Q, R, SS, T
Published APR range: 7.25% to 13.25%.
- Oct 22, 20267.25%▲ from 6.50%
- Sep 14, 20266.50%first recorded
Financing up to 110% for current and prior model year
Financing up to 110% for current and prior model year
Financing up to 110% for current and prior model year
Year: 2026-2027; Minimum APR: 3.00%; Maximum APR: 12.50%
- Oct 9, 20263.00%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Year: 2026-2027; Minimum APR: 3.25%; Maximum APR: 12.75%
- Oct 9, 20263.25%▼ from 3.75%
- Sep 14, 20263.75%first recorded
LBFCU will finance up to 90% of purchase price without payroll deduction or file transfer, up to 100% with payroll deduction or file transfer; Monthly payment per $1,000 borrowed: $29.20
As Low As; Up to 130% MSRP; Rates are .25% higher without automatic payment
Year: 2026-2027; Minimum APR: 3.50%; Maximum APR: 13.00%
- Oct 9, 20263.50%▼ from 4.00%
- Sep 14, 20264.00%first recorded
LBFCU will finance up to 90% of purchase price without payroll deduction or file transfer, up to 100% with payroll deduction or file transfer
As Low As; Up to 130% MSRP; Rates are .25% higher without automatic payment
Term: 60 months + .50% | 72 months + 1% | 84 months + 2%; Published APR range: 3.99% - 13.49%. Extended Term Rate Adjustments May Apply
As Low As; APR up to 13.24%; Est. payment per $1,000: $44 (as low as), $48 (up to); New autos not previously owned and/or under 10,000 miles; Rates include .50% reduction for eStatements and Automatic Payments
As Low As; APR up to 13.24%; Est. payment per $1,000: $30 (as low as), $34 (up to); New autos not previously owned and/or under 10,000 miles; Rates include .50% reduction for eStatements and Automatic Payments
As Low As; APR up to 13.49%; Est. payment per $1,000: $23 (as low as), $28 (up to); New autos not previously owned and/or under 10,000 miles; Rates include .50% reduction for eStatements and Automatic Payments
As Low As; APR up to 14.49%; Est. payment per $1,000: $19 (as low as), $24 (up to); New autos not previously owned and/or under 10,000 miles; Rates include .50% reduction for eStatements and Automatic Payments
As Low As; APR up to 11.49%; Est. payment per $1,000: $16 (as low as), $20 (up to); New autos not previously owned and/or under 10,000 miles; Rates include .50% reduction for eStatements and Automatic Payments
Rates effective as of January 20, 2025; Advertised rates based on Premier FICO score of 750+
As Low As; Model year change is considered January 1st of each new year; Rates current as of August 1, 2026; Lowest rates reflect 0.50% discount for automatic transfer payment and 0.50% discount for minimum monthly Direct Deposit of $700 or more
As Low As; NEW Auto Loan Rates
As Low As; Max Amount Financed: up to 125%
New vehicle loan
APR Range: 3.99% - 16.99%
As Low As; APR Range: 3.99% - 16.99%; Best rate is for term of 36 months; includes .25% automatic payment discount from an Arrowhead account; Effective Date: October 25, 2026
Discounted rate when financing through auto buying partner (New Cars Inc.) and purchasing two ancillary products
- Oct 26, 20263.99%▼ from 4.99%
- Oct 9, 20264.99%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Finance up to 125% maximum LTV (MSRP/Retail Kelley Blue Book/NADA Value); LTV includes tax, title, and license; Rates as of 09/23/2026
As Low As; Loan Minimum: $500; Loan Maximum: $130,000
As Low As; Loan Minimum: $5,000; Loan Maximum: $130,000
As Low As; For new vehicles, financing up to 125% of MSRP Listed Price; for used vehicles, up to 125% of KBB Typical Listing Price, vehicles up to 12 years old or newer, max 100,000 miles
As Low As; Terms up to 84 months available
Year: 2026-2027; Minimum APR: 4.00%; Maximum APR: 13.50%
- Oct 9, 20264.00%▼ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; Rates as of Oct 26, 2026 ET; New Vehicles: 2025 and newer model years with under 7,500 miles, or between 7,500 and 30,000 miles
As Low As; Model Years 2021 and Newer; UP TO 120%
As Low As; Model Years 2021 and Newer; UP TO 120%
APR range: 4.20%-18.00%
- Oct 9, 20264.20%▼ from 4.99%
- Sep 30, 20264.99%first recorded
As Low As; Finance Amount: Any Amount; Rate for well-qualified borrowers; includes 0.50% automatic payment discount; add .50% if not on automatic payment transfer or payroll deduction
As Low As; Loan Type: 100% financing of purchase price, tax and license; Estimated payment per $1,000.00: $27.96
Rate range: 4.24% - 19.00%; Effective 9/25/2026; Minimum loan $5,000; Floor rate 1.49%
- Oct 1, 20264.24%▲ from 3.54%
- Sep 18, 20263.54%first recorded
APR range: 4.24% - 15.99%; New auto rate applies to vehicles with less than 7,500 miles, not previously registered, in the current or previous model year
As Low As; New Vehicle; includes 0.50% APR automatic payment discount; on approved credit; up to 125% financing available
As Low As; Up to 130% MSRP; Rates are .25% higher without automatic payment
As Low As; Standard APR; Effective 10/01/2026; No Payments for up to 90 Days available; Vehicles up to three years old
As Low As; NEW Cars, Trucks, & SUVs | 2025-current | mileage up to 5k; Financing up to 100% | Terms up to 84 months
FICO 730+; Minimum loan $3,500.00; Maximum LTV 110%; Lower rate of existing loan: 0.25% lower, not below lowest rate
Year: 2026-2027; Minimum APR: 4.25%; Maximum APR: 13.75%
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%first recorded
San Francisco Used Auto Auto Loan Rates
As Low As
As Low As
Loan amount: $5,000; Rates shown are the lowest available for qualified borrowers and include a 0.25% discount for Automatic Loan Payments
Loan amount: $10,000; Rates shown are the lowest available for qualified borrowers and include a 0.25% discount for Automatic Loan Payments
Loan amount: $15,000; Rates shown are the lowest available for qualified borrowers and include a 0.25% discount for Automatic Loan Payments
Loan amount: $25,000; Rates shown are the lowest available for qualified borrowers and include a 0.25% discount for Automatic Loan Payments
As Low As; LTV <=75%; Used auto 2017 to 2025
Min Amount: $5,000; Credit score tier not shown in table (block follows Credit Score tabs); Rates effective 10/25/2026
- Oct 9, 20264.84%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Used autos, trucks and vans; up to 100% of retail Kelley Blue Book value financing
110% financing
110% financing
As Low As; LTV <=75%; Used auto 2017 to 2025
As Low As; LTV >75%; Used auto 2017 to 2025
As Low As; Used autos, trucks and vans; up to 100% of retail Kelley Blue Book value financing
110% financing
As Low As; LTV >75%; Used auto 2017 to 2025
As Low As; LTV <=75%; Used auto 2017 to 2025
Min Amount: $5,000; Credit score tier not shown in table (block follows Credit Score tabs); Rates effective 10/25/2026
- Oct 9, 20265.39%▲ from 5.29%
- Sep 14, 20265.29%first recorded
As Low As; Used autos, trucks and vans; up to 100% of retail Kelley Blue Book value financing
As Low As; LTV >75%; Used auto 2017 to 2025
APR range: 5.49% - 15.24%; Minimum Loan Amount: $5,000; Effective Date: 10/01/2026
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
As Low As; Rate Effective Date: October 1, 2026
Min Amount: $10,000; Credit score tier not shown in table (block follows Credit Score tabs); Rates effective 10/25/2026
- Oct 9, 20265.69%▲ from 5.59%
- Sep 14, 20265.59%first recorded
As Low As; Rate Effective Date: October 1, 2026
As Low As; Older used vehicles - finance up to 100% of Kelley Blue Book wholesale value for 2018-2019 model vehicles; not to exceed 10 model years
APR range: 5.74% - 15.49%; Minimum Loan Amount: $15,000; Effective Date: 10/01/2026
As Low As; Fixed Rate APR As Low As; Disclaimers: Q, R, SS, T
- Oct 9, 20265.75%▲ from 5.50%
- Sep 14, 20265.50%first recorded
As Low As; Current rates as low as 5.750% APR; 100% financing available; no payments for 90 days option; no maximum model year age or mileage restrictions; rate discount available to qualified members
- Oct 9, 20265.75%▲ from 5.50%
- Sep 18, 20265.50%first recorded
As Low As; LTV <=75%; Used auto 2017 to 2025; Loan amount $25k and over
As Low As; Rate Effective Date: October 1, 2026
As Low As; Fixed-rate used car loan; 60-month auto loan options; as of Oct. 26, 2026; excludes BofA Rewards discount of up to 0.50%; advertised APR assumes excellent credit
As Low As; 5-year fixed-rate used car loan; as of Oct. 26, 2026; rates do not include BofA Rewards discount up to 0.50%
As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026
As Low As; Fixed Rate APR As Low As; Disclaimers: Q, R, SS, T
- Oct 9, 20265.88%▲ from 5.63%
- Sep 14, 20265.63%first recorded
As Low As; Rate Effective Date: October 1, 2026
As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026
As Low As; Older used vehicles - finance up to 100% of Kelley Blue Book wholesale value for 2018-2019 model vehicles; not to exceed 10 model years
As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026
As Low As; Fixed Rate APR As Low As; Disclaimers: Q, R, SS, T
- Oct 9, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; LTV >75%; Used auto 2017 to 2025; Loan amount $25k and over
As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026
Financing amount: $30,000; For online applicants with excellent credit history; Last updated 10/22/2026
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
Financing amount: $30,000; APR based on 60 months and $30,000; for online applicants with excellent credit; rates may vary by credit history, vehicle, financing amount and term
- Oct 26, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026
Min Amount: $20,000; Credit score tier not shown in table (block follows Credit Score tabs); Rates effective 10/25/2026
- Oct 9, 20266.19%▲ from 6.09%
- Sep 14, 20266.09%first recorded
As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026
As Low As; Min. Loan Amount $30,000; Used autos, trucks and vans; up to 100% of retail Kelley Blue Book value financing
APR range: 6.24% - 15.74%; Minimum Loan Amount: $25,000; Effective Date: 10/01/2026
Term: 73-84 months ($20K min); As Low As; Fixed Rate APR As Low As; Disclaimers: Q, R, SS, T
100% financing for toys up to 5 years old
100% financing for toys up to 5 years old
110% financing
110% financing
100% financing for toys up to 5 years old
Published APR range: 8.00% to 14.00%.
- Oct 22, 20268.00%▲ from 7.25%
- Sep 14, 20267.25%first recorded
110% financing
Up to 100% financing for RVs up to 10 years old
Up to 100% financing for RVs up to 10 years old
Up to 100% financing for RVs up to 10 years old
Published APR range: 10.00% to 16.00%.
- Oct 22, 202610.00%▲ from 7.25%
- Sep 14, 20267.25%first recorded
Model Year: 2025-2015; Maximum APR: 13.00%
- Oct 9, 20263.50%▼ from 4.00%
- Sep 14, 20264.00%first recorded
As Low As; Up to 130% KBB; Rates are .25% higher without automatic payment
Model Year: 2025-2015; Maximum APR: 13.25%
- Oct 9, 20263.75%▼ from 4.25%
- Sep 14, 20264.25%first recorded
Rates effective as of January 20, 2025; Advertised rates based on Premier FICO score of 750+
As Low As; Model year change is considered January 1st of each new year; Rates current as of August 1, 2026; Lowest rates reflect 0.50% discount for automatic transfer payment and 0.50% discount for minimum monthly Direct Deposit of $700 or more
As Low As; Max Amount Financed: up to 125%
APR Range: 3.99% - 16.99%
As Low As; APR Range: 3.99% - 16.99%; Best rate is for term of 36 months; includes .25% automatic payment discount from an Arrowhead account; Effective Date: October 25, 2026
As Low As; Up to 130% KBB; Rates are .25% higher without automatic payment
As Low As; For new vehicles, financing up to 125% of MSRP Listed Price; for used vehicles, up to 125% of KBB Typical Listing Price, vehicles up to 12 years old or newer, max 100,000 miles
As Low As; Terms up to 72 months available
Model Year 2020-2024
As Low As; Loan Minimum: $500; Loan Maximum: $130,000
As Low As; Loan Minimum: $5,000; Loan Maximum: $130,000
As Low As; Standard APR; Effective 10/01/2026; No Payments for up to 90 Days available; Vehicles up to three years old
FICO 730+; Minimum loan $3,500.00; Maximum LTV 110% of low KBB; Older vehicles (6+ years or 60,000+ miles): add 2%; Lower rate of existing loan: 0.25% lower, not below lowest rate
Model Year: 2025-2015; Maximum APR: 13.75%
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%first recorded
San Francisco, CA Auto Loan Rate Trends
Compare local San Francisco, 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 0.107 points over the past 7 days to 5.328% APR.
California used auto rates rose 0.054 points over the past 7 days to 5.813% APR.
San Francisco, 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 @ 5.33% APR CA average | Used Auto @ 5.81% APR CA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.33/mo | $288.69/mo | $3.36/mo |
| $25,000 | $475.55/mo | $481.15/mo | $5.60/mo |
| $35,000 | $665.77/mo | $673.61/mo | $7.84/mo |
| $45,000 | $855.99/mo | $866.07/mo | $10.08/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 San Francisco, California
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving San Francisco, 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 San Francisco, 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: San Francisco, California CD rates lock in a guaranteed return until you’re ready to buy
San Francisco, California Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $571 monthly car payment works out to roughly 8.3% of the median individual income in San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, 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 San Francisco, California
What are auto loan rates in San Francisco, California today?
How does my credit score affect my car loan rate in San Francisco, 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 San Francisco, 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 San Francisco, California?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in San Francisco, California?
- American Airlines Federal Credit Union: 3.34% (New Auto Loan)
- Redwood Credit Union: 4.59% (New Auto Loan)
- San Francisco Fire Credit Union: 4.63% (New Auto Loan - 2025 or newer)
- San Francisco Federal Credit Union: 4.74% (New Auto - 2026 or Newer with Less than 5K Miles)
- The Police Credit Union: 4.74% (New Auto Loan)
San Francisco, California Rates & Resources
