Susanville, California Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Susanville, California auto loan rates range from 3.00% to 9.99% APR, verified by MonitorBankRates as of October 19, 2026. Current auto loan rates in Susanville, California include LASSEN COUNTYLASSEN COUNTY2605 Riverside Dr, Susanville, CA, 96130A+5.0 ★Texas Ratio: 1.76% offering Off Road Vehicle Loan - New at 7.30%, Utility District Credit UnionUtility District Credit UnionA+5.0 ★Texas Ratio: 1.46% offering New Auto Loans at 3.00%, Long Beach Firemens Credit UnionLong Beach Firemens Credit UnionA+5.0 ★Texas Ratio: 0.04% offering New Vehicle Loan - 36 months at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.87% offering New Auto at 3.34%, La Loma Federal Credit UnionLa Loma Federal Credit UnionA+5.0 ★Texas Ratio: 1.44% offering Vehicle Loans at 3.49%. Auto loan rates as of October 19, 2026 according to verified data from MonitorBankRates.
Susanville has 1 local institution in our database, with auto loan rates as low as 7.30% APR from LASSEN COUNTY at 2605 Riverside Dr, Susanville, CA, 96130. 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 Susanville, California. Auto Loan Rates Last Updated and Verified: October 19, 2026
Compare Auto Loan Rates Today in Susanville, California & Surrounding Area
Susanville Auto Loan Rates
As Low As; APR* as low as; Term determined by year and amount borrowed; 90% financing available; rates vary with amount financed, vehicle age and credit history
- Sep 27, 20267.30%▲ from 6.90%
- Sep 18, 20266.90%first recorded
OAC; APR based on creditworthiness; *72 mo term requires loan to value of at least $10,000; Rates effective as of 4/22/2026
OAC; APR based on creditworthiness; *72 mo term requires loan to value of at least $10,000; Rates effective as of 4/22/2026
Model Year: 2026-2027; Minimum APR: 3.00%; Maximum APR: 12.50%
- Oct 9, 20263.00%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Model Year: 2026-2027; Minimum APR: 3.25%; Maximum APR: 12.75%
- Oct 9, 20263.25%▼ from 3.75%
- Sep 14, 20263.75%first recorded
Monthly Payment per $1,000 borrowed: $29.20 (payment column ignored as rate); 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; Auto & Recreational Loans
APR range: 3.49% to 18.00%; Est. Payment/$1,000 Borrowed: $29.30 to $36.15 based on a 36mo term
Model Year: 2026-2027; Minimum APR: 3.50%; Maximum APR: 13.00%
- Oct 9, 20263.50%▼ from 4.00%
- Sep 14, 20264.00%first recorded
As Low As; Model Year: 2025-2015; Minimum APR: 3.50%; Maximum APR: 13.00%; Maximum Term: 36 months
- 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
Rates expressed as APR; LBFCU will finance up to 90% of value without payroll deduction or file transfer, up to 100% value with payroll deduction or file transfer
APR range: 3.74% to 18.00%; Est. Payment/$1,000 Borrowed: $29.41 to $36.15 based on a 36mo term
New & Used; Rates effective as of 7/7/2026; Offered to members meeting select credit criteria; -.25% discount for Autopay
As Low As; Model Year: 2025-2015; Minimum APR: 3.75%; Maximum APR: 13.25%; Maximum Term: 48 months
- Oct 9, 20263.75%▼ from 4.25%
- Sep 14, 20264.25%first recorded
As Low As; with Relationship Rewards
As Low As; Auto & Recreational Loans
As Low As; Model Year: 2025 & Newer
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%first recorded
As Low As; Effective 07/01/2026; Includes 0.90% APR automatic payment discount; Up to 125% financing available; OAC
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Lowest APR range: 3.90% to 16.00%; Maximum Loan: 125% financing for new purchases
As Low As; Rates Effective: May 1, 2026; APRs include 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR
As Low As; Rates Effective: May 1, 2026; APRs include 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR
As Low As; Rates Effective: May 1, 2026; APRs include 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR
As Low As; Rates Effective: May 1, 2026; APRs include 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR
As Low As; APR up to 13.24%; Estimated payment per $1,000: $44 (as low as) / $48 (up to); New auto (not previously owned and/or under 10,000 miles); includes .50% reduction for eStatements and Automatic Payments; rates subject to credit and qualifications
As Low As; APR up to 13.24%; Estimated payment per $1,000: $30 (as low as) / $34 (up to); New auto (not previously owned and/or under 10,000 miles); includes .50% reduction for eStatements and Automatic Payments; rates subject to credit and qualifications
As Low As; APR up to 13.49%; Estimated payment per $1,000: $23 (as low as) / $28 (up to); New auto (not previously owned and/or under 10,000 miles); includes .50% reduction for eStatements and Automatic Payments; rates subject to credit and qualifications
As Low As; APR up to 14.49%; Estimated payment per $1,000: $19 (as low as) / $24 (up to); New auto (not previously owned and/or under 10,000 miles); includes .50% reduction for eStatements and Automatic Payments; rates subject to credit and qualifications
As Low As; APR up to 11.49%; Estimated payment per $1,000: $16 (as low as) / $20 (up to); New auto (not previously owned and/or under 10,000 miles); includes .50% reduction for eStatements and Automatic Payments; rates subject to credit and qualifications
Advertised rates based on Premier FICO 750+; posted rates include discounts of .50% for 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit
Advertised rates based on Premier FICO 750+; posted rates include discounts of .50% for 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit
As Low As; Vehicle: NEW 2026 w/less than 500 miles; Lowest rates reflect 0.50% discount for automatic transfer payment or minimum $700 monthly Direct Deposit
As Low As; Vehicle: USED 2018-2025; Lowest rates reflect 0.50% discount for automatic transfer payment or minimum $700 monthly Direct Deposit
Vehicle financing; New APR; advertised APR includes 0.50% discount (0.25% Everything Plus Checking, 0.25% loan-to-value of 80% or less); rates effective 9/01/2026
As Low As; NEW Auto Loan Rates
- Oct 5, 20263.99%▼ from 4.40%
- Sep 14, 20264.40%first recorded
As Low As; Max Amount Financed: up to 125%; Rates effective as of 10/15/2026; Relationship Benefits discount of 0.50% reflected in rates
As Low As; Max Amount Financed: up to 125%; Rates effective as of 10/15/2026; Relationship Benefits discount of 0.50% reflected in rates
Model Year 2025-2026
As Low As; Best rate for 36 month term; lowest rate includes .25% automatic payment discount from an Arrowhead account; higher rates apply for terms longer than 36 months; rates valid as of 10/18/2026
APR Range: 3.99% -16.99%
As Low As; Model Year: 2023 And Newer; Discounted APR; requires qualifying discounts (NCI auto buying service, two ancillary products, or loan auto-pay from Inspired Checking)
- Sep 22, 20263.99%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Finance up to 125% maximum LTV (MSRP/Retail Kelley Blue Book/NADA Value); 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; homepage featured auto loan rate; full rate table not in source content
As Low As; Base rate for new and late model vehicles (model years 2021-2026); subject to credit approval; maximum LTV limits apply
As Low As; Financing up to 125% of MSRP (new) or KBB Typical Listing Price (used); used vehicles up to 12 years old, max 100,000 miles
As Low As; Terms up to 84 months available; Rates will vary with different terms
As Low As; Terms up to 72 months available; Rates will vary with different terms
Term: Terms up to 84 months available; As Low As; Terms up to 84 months available
Term: Terms up to 72 months available; As Low As; Terms up to 72 months available
Model Year: 2026-2027; Minimum APR: 4.00%; Maximum APR: 13.50%
- Oct 9, 20264.00%▼ from 4.50%
- Sep 14, 20264.50%first recorded
Rates expressed as APR; LBFCU will finance up to 90% of value without payroll deduction or file transfer, up to 100% value with payroll deduction or file transfer
Model Year: 2011 to 2015; Risk Grade A+
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Auto & Recreational Loans
As Low As; Effective 07/01/2026; Includes 0.90% APR automatic payment discount; Up to 125% financing available; OAC
Model Year: 2016 to 2019; Risk Grade A+
As Low As; Non-variable rate; 100% financing available including tax, title, license and extended warranties; rate based on credit history, model year, mileage, and loan term; rates effective as of 10/14/2026
As Low As; Up to 120% LTV; Minimum
As Low As; Up to 120% LTV; Minimum
Model Year 2020-2024
As Low As; Percentage Financed: up to 125% financing
As Low As; Percentage Financed: up to 125% financing
As Low As; Finance Amount: Any Amount; Rates effective as of 10/1/2025; Well-qualified borrowers; includes 0.50% automatic payment discount
Vehicle financing; New APR; advertised APR includes 0.50% discount (0.25% Everything Plus Checking, 0.25% loan-to-value of 80% or less); rates effective 9/01/2026
New & Used; Rates effective as of 7/7/2026; Offered to members meeting select credit criteria; -.25% discount for Autopay
As Low As; Loan Type: 100% financing of purchase price, tax and license
As Low As; Up to 120% Financing on Approved Credit
As Low As; Up to 120% Financing on Approved Credit
As Low As; Model Year: 2023 And Newer; Discounted APR; requires qualifying discounts (NCI auto buying service, two ancillary products, or loan auto-pay from Inspired Checking)
- Oct 19, 20264.24%▼ from 5.24%
- Sep 14, 20265.24%first recorded
Rate range: 4.24% - 19.00%; Effective 9/25/2026; Floor rate 1.49%; 90-day deferral of first payment available; Minimum loan amount $5,000 (exceptions possible under $5,000)
- 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; Quoted rate assumes 0.25% APR discount for automatic payment from PSCU checking; Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or 11 or more model years old
As Low As; Standard APR; Effective 10/01/2026; No Payments for up to 90 Days available
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 $3,500.00; Maximum LTV 110%
FICO 730+; Minimum $3,500.00; Maximum 110% of low KBB; Vehicles 6 years or older or over 60,000 miles add 2%
Model Year: 2026-2027; Minimum APR: 4.25%; Maximum APR: 13.75%
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Model Year: 2025-2015; Minimum APR: 4.25%; Maximum APR: 13.75%; Maximum Term: 60 months
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%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
As Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying members
As Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying members
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
APR range: 4.29-18.79%
As Low As; Model Year: 2025 & Newer
- Oct 14, 20264.34%▲ from 4.14%
- Sep 22, 20264.14%first recorded
Model Year: 2025 to 2027; Risk Grade A+
As Low As; Finance Amount: Any Amount; Rate for well-qualified borrowers; includes 0.50% automatic payment discount from an ECSFCU checking account or payroll deduction; additional 0.50% New Cars Inc. discount for pre-owned vehicle purchase (up to 66 months); Fixed Rates; Used Vehicle Loans up to 120% KBB Wholesale; rates effective as of 10/1/2025
As Low As; Financing: 2025 or newer, up to $150,000
As Low As; Financing: 2017 - 2024 model years, with less than 115,000 miles, up to $150,000
As Low As; Financing Available: 2025 or newer
As Low As; Financing Available: 2017 - 2024 model years
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. We do not finance on salvaged titles.
As Low As; Up to 120% LTV; Minimum
Published APR range: 4.39% - 17.99%. Rates include 0.50% discount for automatic payment
Model Year: 2011 to 2015; Risk Grade A
- Oct 15, 20264.40%▲ from 4.05%
- Oct 12, 20264.05%first recorded
Model Year: 2025 to 2027; Risk Grade A+
As Low As; Maximum Amount: Up to 135% MSRP
As Low As; Percentage Financed: up to 125% financing
As Low As; Model Years: 2026 & Newer; Maximum Financing: Autos up to 130% of Dealer Invoice or Wholesale Value.
As Low As; Rates As Low As
As Low As; Rates As Low As
As Low As; Rates As Low As
As Low As; APR up to 14.24%; Estimated payment per $1,000: $44 (as low as) / $49 (up to); Rates include .50% reduction for members enrolled in eStatements and Automatic Payments
As Low As; APR up to 14.24%; Estimated payment per $1,000: $30 (as low as) / $35 (up to); Rates include .50% reduction for members enrolled in eStatements and Automatic Payments
As Low As; APR up to 14.49%; Estimated payment per $1,000: $23 (as low as) / $28 (up to); Rates include .50% reduction for members enrolled in eStatements and Automatic Payments
As Low As; APR up to 14.74%; Estimated payment per $1,000: $19 (as low as) / $24 (up to); Rates include .50% reduction for members enrolled in eStatements and Automatic Payments
As Low As; APR up to 11.74%; Estimated payment per $1,000: $16 (as low as) / $20 (up to); Rates include .50% reduction for members enrolled in eStatements and Automatic Payments
Advertised rates based on Premier FICO 750+; posted rates include discounts of .50% for 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit
Advertised rates based on Premier FICO 750+; posted rates include discounts of .50% for 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit
Advertised rates based on Premier FICO 750+; posted rates include discounts of .50% for 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit
Advertised rates based on Premier FICO 750+; posted rates include discounts of .50% for 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit
As Low As; Vehicle: NEW 2026 w/less than 500 miles; Lowest rates reflect 0.50% discount for automatic transfer payment or minimum $700 monthly Direct Deposit
As Low As; Vehicle: USED 2018-2025; Lowest rates reflect 0.50% discount for automatic transfer payment or minimum $700 monthly Direct Deposit
As Low As; Finance Amount: $10,000 and up; Rates effective as of 10/1/2025; Well-qualified borrowers; includes 0.50% automatic payment discount
As Low As; Model Years: 2016 or Newer; APR includes .25% discount for Direct Deposit from a payroll entity combined with auto pay from a TCCU account; auto loan rates vary by qualifications, credit, collateral, and requested terms
As Low As; Vehicles 7 model years or newer with less than 75K miles; minimum loan amount $5,000 for terms up to 48 months, $10,000 for terms 49 to 60 months
Vehicle financing; New APR; advertised APR includes 0.50% discount (0.25% Everything Plus Checking, 0.25% loan-to-value of 80% or less); rates effective 9/01/2026
New & Used; Rates effective as of 7/7/2026; Offered to members meeting select credit criteria; -.25% discount for Autopay
As Low As; 100% financing of retail Kelley Blue Book for autos less than 6 years old
As Low As; APR = Annual percentage rate. Rates may vary.
As Low As; Models 2025 or newer (under 10,000 miles); Estimated monthly payment per $1,000 not captured
As Low As; APR (with discount) as low 4.24%; lowest rate is preferred rate with FICO 700 & higher; additional .25% discount with direct deposit of $1000 per month
- Oct 15, 20264.49%▲ from 4.24%
- Oct 5, 20264.24%▼ from 4.74%
- Sep 18, 20264.74%▼ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Max Amount Financed: up to 125%; Rates effective as of 10/15/2026; Relationship Benefits discount of 0.50% reflected in rates
As Low As; Max Amount Financed: up to 125%; Rates effective as of 10/15/2026; Relationship Benefits discount of 0.50% reflected in rates
As Low As; Up to 120% LTV; Minimum
Lowest Tier 1 rates, including automatic payment discount from NGFCU checking or savings
As Low As; Vehicle age: 0 - 1 year
- Oct 5, 20264.49%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Up to 120% Financing on Approved Credit
As Low As; Up to 120% Financing on Approved Credit
As Low As; Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade and Warranty; To qualify for this rate, 12 months of paid-as-agreed credit repayment history with the CU plus auto debit/payment and/or ACH credit monthly, OR LTV of 80% or less; Rates vary with amount financed, term and credit history; 90-day deferral of first payment available (1, 2, and 3 Tiers only)
Published APR range: 4.49% - 17.99%. Amount: $10,000 - $90,000; APR based on creditworthiness and term; Vehicle loan rate match to refinance an existing vehicle loan: may offer 100 basis points less than existing loan contract rate, floor 4.49%
As Low As; Vehicle type: New Auto
Alternate rate: 3.99%** (with discount); Maximum loan amount $150,000; Additional .50% discount available; New Vehicles | Fixed
Published APR range: 4.49% / 3.99%. Used Vehicles | Fixed; Purchase, Refinance or Lease Buyout; Two APR figures shown (4.49% / 3.99%); 100% of suggested retail value for dealer purchases; Maximum loan amount $150,000; Additional .50% discount available
Vehicle Model Year: 2023 & newer; Loan Amount: Up to $125,000; Annual Percentage Rate range: 4.49% (Lowest) - 7.99% (Highest)
As Low As; Loan Minimum: $10,000; Loan Maximum: $130,000
As Low As; Non-Variable, up to 84 months
As Low As; Non-Variable, up to 84 months
Published APR range: 4.49% - 14.79%. Amount Maximum: $75,000
As Low As; Base rate for new and late model vehicles (model years 2021-2026); subject to credit approval; maximum LTV limits apply
As Low As; Financing up to 125% of MSRP (new) or KBB Typical Listing Price (used); used vehicles up to 12 years old, max 100,000 miles
As Low As; Model Year 2023 - 2011; fixed APR; up to 1.00% maximum discount available for qualifying members
As Low As; Model Year 2023 - 2011; fixed APR; up to 1.00% maximum discount available for qualifying members
As Low As; Standard APR; Effective 10/01/2026; No Payments for up to 90 Days available
As Low As; NEW Cars, Trucks, & SUVs | 2025-current | mileage up to 5k; Financing up to 100%; Terms up to 84 months
As Low As; NEW Cars, Trucks, & SUVs | 2025-current | mileage up to 5k; Financing up to 100%; Terms up to 84 months
Model Year: 2016 to 2019; Risk Grade A
- Oct 15, 20264.50%▲ from 4.15%
- Oct 12, 20264.15%first recorded
As Low As; Final rate based on credit worthiness and term of the loan
- Sep 25, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
As Low As; Maximum Loan Amount: $150,000.00
As Low As; Rate available with automatic payments from an AFCU Checking Account (new and used vehicles, terms up to 60 months); Minimum loan amount: $2,000.00; Rates expressed as APR; Offer valid until October 31, 2026
- Oct 13, 20264.50%▼ from 6.30%
- Oct 9, 20266.30%first recorded
As Low As; Minimum Loan Amount: $2,000.00; Monthly Payment Per $1,000 Borrowed: $18.65 (60-month term); 4.50% APR requires automatic payments from an AFCU Checking Account, otherwise 5.95% for new vehicles only; offer valid until October 31, 2026; refinance of existing AFCU auto loan permissible if on record 90 days or more and in good standing
- Oct 5, 20264.50%▲ from 4.25%
- Sep 25, 20264.25%▼ from 6.35%
- Sep 17, 20266.35%first recorded
As Low As; NEW Auto Loan Rates
- Oct 15, 20264.50%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; USED Auto Loan Rates
- Oct 15, 20264.50%▲ from 3.99%
- Oct 5, 20263.99%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Model Year: 2025-2015; Minimum APR: 4.50%; Maximum APR: 14.00%; Maximum Term: 72 months
- Oct 9, 20264.50%▼ from 5.00%
- Sep 14, 20265.00%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
Rates expressed as APR; LBFCU will finance up to 90% of value without payroll deduction or file transfer, up to 100% value with payroll deduction or file transfer
As Low As; Financing: Up to 125% of Kelley Blue Book, including tax & license (must be purchased from a dealership); *APR = Annual Percentage Rate, rates based on credit profile
As Low As; Financing: Up to 125% of Kelley Blue Book, including tax & license; *APR = Annual Percentage Rate, rates based on credit profile
As Low As; Financing: Up to 125% of Kelley Blue Book, including tax & license; *APR = Annual Percentage Rate, rates based on credit profile
As Low As; Daily Periodic Rate: 0.012328%; Requires minimum FICO 780 credit score
As Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying members
Term: Terms up to 48 Months; Model Year: New (2022 and newer); fixed APR for top-tier credit, includes 0.25% direct deposit discount
Annual Percentage Rate shown is lowest available and reflects .25% rate discount for electronic repayment and direct deposit enrollment; Minimum payment $125.00
Annual Percentage Rate shown is lowest available and reflects .25% rate discount for electronic repayment and direct deposit enrollment; Minimum payment $125.00
Annual Percentage Rate shown is lowest available and reflects .25% rate discount for electronic repayment and direct deposit enrollment; Minimum payment $125.00
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; APR (with discount) as low 4.34%; lowest rate is preferred rate with FICO 700 & higher; additional .25% discount with direct deposit of $1000 per month
- Oct 15, 20264.59%▲ from 4.34%
- Oct 5, 20264.34%▼ from 4.74%
- Sep 18, 20264.74%▼ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Auto & Recreational Loans
Range of rates: 4.59% - 18.00% APR; Estimated payment per $100 borrowed: $2.98 - $3.62; Rates effective as of 10/15/2026
Range of rates: 4.59% - 18.00% APR; Estimated payment per $100 borrowed: $2.28 - $2.94; Rates effective as of 10/15/2026
Range of rates: 4.59% - 18.00% APR; Estimated payment per $100 borrowed: $1.87 - $2.54; Rates effective as of 10/15/2026
Range of Rates - New: 4.59% - 18.00% APR; Estimated payment per $100 borrowed: $2.98 - $3.62; Original loan term must be 60 months or less to be eligible for summers off
Range of Rates - New: 4.59% - 18.00% APR; Estimated payment per $100 borrowed: $2.28 - $2.94; Original loan term must be 60 months or less to be eligible for summers off
Range of Rates - New: 4.59% - 18.00% APR; Estimated payment per $100 borrowed: $1.87 - $2.54; Original loan term must be 60 months or less to be eligible for summers off
Qualifying Conditions Apply, Actual Rate May Vary, Rates Based on Credit Qualification
Min Amount: $5,000; New autos under 1,000 miles, financed up to 125% MSRP; Credit Score (720+) tab
- Oct 9, 20264.59%▲ from 4.39%
- Sep 14, 20264.39%first recorded
As Low As; Effective 07/01/2026; Includes 0.90% APR automatic payment discount; Up to 125% financing available; OAC
As Low As; Effective 07/01/2026; Includes 0.90% APR automatic payment discount; Up to 125% financing available; OAC
Published APR range: 4.59% - 17.99%. Rates include 0.50% discount for automatic payment
Model Year: 2020 to 2024; Risk Grade A
- Oct 15, 20264.60%▲ from 4.25%
- Oct 12, 20264.25%first recorded
Loan amount: $5,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payment discount (rate increases 0.25% without automatic payments)
Loan amount: $10,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payment discount (rate increases 0.25% without automatic payments)
Loan amount: $15,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payment discount (rate increases 0.25% without automatic payments)
Loan amount: $25,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payment discount (rate increases 0.25% without automatic payments)
As Low As; Max APR: 13.64%
As Low As; Max APR: 13.64%
- Oct 10, 20264.64%▼ from 4.89%
- Sep 14, 20264.89%first recorded
FICO 730+; Minimum $15,000.00; Maximum LTV 110%
FICO 730+; Minimum $15,000.00; Maximum 110% of low KBB; Vehicles 6 years or older or over 60,000 miles add 2%
Credit Grade: A+
Credit Grade: A+
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. We do not finance on salvaged titles.
As Low As; Loan Amount: $2,500+; Payment Example per $1,000 Borrowed: $43.81; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+; Annual Percentage Rate as low as
Susanville New Auto Auto Loan Rates
As Low As; APR* as low as; Term determined by year and amount borrowed; 90% financing available; rates vary with amount financed, vehicle age and credit history
- Sep 27, 20267.30%▲ from 6.90%
- Sep 18, 20266.90%first recorded
OAC; APR based on creditworthiness; *72 mo term requires loan to value of at least $10,000; Rates effective as of 4/22/2026
Model Year: 2026-2027; Minimum APR: 3.00%; Maximum APR: 12.50%
- Oct 9, 20263.00%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Model Year: 2026-2027; Minimum APR: 3.25%; Maximum APR: 12.75%
- Oct 9, 20263.25%▼ from 3.75%
- Sep 14, 20263.75%first recorded
Monthly Payment per $1,000 borrowed: $29.20 (payment column ignored as rate); 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; Auto & Recreational Loans
Model 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; Effective 07/01/2026; Includes 0.90% APR automatic payment discount; Up to 125% financing available; OAC
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; APR up to 13.24%; Estimated payment per $1,000: $44 (as low as) / $48 (up to); New auto (not previously owned and/or under 10,000 miles); includes .50% reduction for eStatements and Automatic Payments; rates subject to credit and qualifications
As Low As; APR up to 13.24%; Estimated payment per $1,000: $30 (as low as) / $34 (up to); New auto (not previously owned and/or under 10,000 miles); includes .50% reduction for eStatements and Automatic Payments; rates subject to credit and qualifications
As Low As; APR up to 13.49%; Estimated payment per $1,000: $23 (as low as) / $28 (up to); New auto (not previously owned and/or under 10,000 miles); includes .50% reduction for eStatements and Automatic Payments; rates subject to credit and qualifications
As Low As; APR up to 14.49%; Estimated payment per $1,000: $19 (as low as) / $24 (up to); New auto (not previously owned and/or under 10,000 miles); includes .50% reduction for eStatements and Automatic Payments; rates subject to credit and qualifications
As Low As; APR up to 11.49%; Estimated payment per $1,000: $16 (as low as) / $20 (up to); New auto (not previously owned and/or under 10,000 miles); includes .50% reduction for eStatements and Automatic Payments; rates subject to credit and qualifications
Advertised rates based on Premier FICO 750+; posted rates include discounts of .50% for 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit
As Low As; Vehicle: NEW 2026 w/less than 500 miles; Lowest rates reflect 0.50% discount for automatic transfer payment or minimum $700 monthly Direct Deposit
Vehicle financing; New APR; advertised APR includes 0.50% discount (0.25% Everything Plus Checking, 0.25% loan-to-value of 80% or less); rates effective 9/01/2026
As Low As; NEW Auto Loan Rates
- Oct 5, 20263.99%▼ from 4.40%
- Sep 14, 20264.40%first recorded
As Low As; Max Amount Financed: up to 125%; Rates effective as of 10/15/2026; Relationship Benefits discount of 0.50% reflected in rates
Model Year 2025-2026
APR Range: 3.99% -16.99%
As Low As; Finance up to 125% maximum LTV (MSRP/Retail Kelley Blue Book/NADA Value); 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; Financing up to 125% of MSRP (new) or KBB Typical Listing Price (used); used vehicles up to 12 years old, max 100,000 miles
As Low As; Terms up to 84 months available; Rates will vary with different terms
Term: Terms up to 84 months available; As Low As; Terms up to 84 months available
Model 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; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Auto & Recreational Loans
As Low As; Effective 07/01/2026; Includes 0.90% APR automatic payment discount; Up to 125% financing available; OAC
As Low As; Non-variable rate; 100% financing available including tax, title, license and extended warranties; rate based on credit history, model year, mileage, and loan term; rates effective as of 10/14/2026
As Low As; Up to 120% LTV; Minimum
As Low As; Up to 120% LTV; Minimum
As Low As; Percentage Financed: up to 125% financing
As Low As; Finance Amount: Any Amount; Rates effective as of 10/1/2025; Well-qualified borrowers; includes 0.50% automatic payment discount
Vehicle financing; New APR; advertised APR includes 0.50% discount (0.25% Everything Plus Checking, 0.25% loan-to-value of 80% or less); rates effective 9/01/2026
As Low As; Loan Type: 100% financing of purchase price, tax and license
As Low As; Up to 120% Financing on Approved Credit
As Low As; Up to 120% Financing on Approved Credit
Rate range: 4.24% - 19.00%; Effective 9/25/2026; Floor rate 1.49%; 90-day deferral of first payment available; Minimum loan amount $5,000 (exceptions possible under $5,000)
- 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; Quoted rate assumes 0.25% APR discount for automatic payment from PSCU checking; Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or 11 or more model years old
As Low As; Standard APR; Effective 10/01/2026; No Payments for up to 90 Days available
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 $3,500.00; Maximum LTV 110%
Model Year: 2026-2027; Minimum APR: 4.25%; Maximum APR: 13.75%
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%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
As Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying members
As Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying members
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
APR range: 4.29-18.79%
As Low As; Financing: 2025 or newer, up to $150,000
As Low As; Financing Available: 2025 or newer
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. We do not finance on salvaged titles.
As Low As; Up to 120% LTV; Minimum
Published APR range: 4.39% - 17.99%. Rates include 0.50% discount for automatic payment
As Low As; Maximum Amount: Up to 135% MSRP
As Low As; Percentage Financed: up to 125% financing
As Low As; Rates As Low As
As Low As; Rates As Low As
As Low As; Rates As Low As
Advertised rates based on Premier FICO 750+; posted rates include discounts of .50% for 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit
Advertised rates based on Premier FICO 750+; posted rates include discounts of .50% for 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit
As Low As; Vehicle: NEW 2026 w/less than 500 miles; Lowest rates reflect 0.50% discount for automatic transfer payment or minimum $700 monthly Direct Deposit
As Low As; Finance Amount: $10,000 and up; Rates effective as of 10/1/2025; Well-qualified borrowers; includes 0.50% automatic payment discount
As Low As; Model Years: 2016 or Newer; APR includes .25% discount for Direct Deposit from a payroll entity combined with auto pay from a TCCU account; auto loan rates vary by qualifications, credit, collateral, and requested terms
As Low As; Vehicles 7 model years or newer with less than 75K miles; minimum loan amount $5,000 for terms up to 48 months, $10,000 for terms 49 to 60 months
Vehicle financing; New APR; advertised APR includes 0.50% discount (0.25% Everything Plus Checking, 0.25% loan-to-value of 80% or less); rates effective 9/01/2026
As Low As; APR = Annual percentage rate. Rates may vary.
As Low As; Models 2025 or newer (under 10,000 miles); Estimated monthly payment per $1,000 not captured
As Low As; APR (with discount) as low 4.24%; lowest rate is preferred rate with FICO 700 & higher; additional .25% discount with direct deposit of $1000 per month
- Oct 15, 20264.49%▲ from 4.24%
- Oct 5, 20264.24%▼ from 4.74%
- Sep 18, 20264.74%▼ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Max Amount Financed: up to 125%; Rates effective as of 10/15/2026; Relationship Benefits discount of 0.50% reflected in rates
As Low As; Up to 120% LTV; Minimum
As Low As; Vehicle age: 0 - 1 year
- Oct 5, 20264.49%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Up to 120% Financing on Approved Credit
As Low As; Up to 120% Financing on Approved Credit
As Low As; Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade and Warranty; To qualify for this rate, 12 months of paid-as-agreed credit repayment history with the CU plus auto debit/payment and/or ACH credit monthly, OR LTV of 80% or less; Rates vary with amount financed, term and credit history; 90-day deferral of first payment available (1, 2, and 3 Tiers only)
Published APR range: 4.49% - 17.99%. Amount: $10,000 - $90,000; APR based on creditworthiness and term; Vehicle loan rate match to refinance an existing vehicle loan: may offer 100 basis points less than existing loan contract rate, floor 4.49%
As Low As; Vehicle type: New Auto
Vehicle Model Year: 2023 & newer; Loan Amount: Up to $125,000; Annual Percentage Rate range: 4.49% (Lowest) - 7.99% (Highest)
As Low As; Loan Minimum: $10,000; Loan Maximum: $130,000
As Low As; Non-Variable, up to 84 months
Published APR range: 4.49% - 14.79%. Amount Maximum: $75,000
As Low As; Financing up to 125% of MSRP (new) or KBB Typical Listing Price (used); used vehicles up to 12 years old, max 100,000 miles
As Low As; Standard APR; Effective 10/01/2026; No Payments for up to 90 Days available
As Low As; NEW Cars, Trucks, & SUVs | 2025-current | mileage up to 5k; Financing up to 100%; Terms up to 84 months
As Low As; NEW Cars, Trucks, & SUVs | 2025-current | mileage up to 5k; Financing up to 100%; Terms up to 84 months
As Low As; Final rate based on credit worthiness and term of the loan
- Sep 25, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
As Low As; Maximum Loan Amount: $150,000.00
As Low As; Rate available with automatic payments from an AFCU Checking Account (new and used vehicles, terms up to 60 months); Minimum loan amount: $2,000.00; Rates expressed as APR; Offer valid until October 31, 2026
- Oct 13, 20264.50%▼ from 6.30%
- Oct 9, 20266.30%first recorded
As Low As; NEW Auto Loan Rates
- Oct 15, 20264.50%▼ from 4.99%
- Sep 14, 20264.99%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; Financing: Up to 125% of Kelley Blue Book, including tax & license; *APR = Annual Percentage Rate, rates based on credit profile
As Low As; Daily Periodic Rate: 0.012328%; Requires minimum FICO 780 credit score
As Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying members
Term: Terms up to 48 Months; Model Year: New (2022 and newer); fixed APR for top-tier credit, includes 0.25% direct deposit discount
Annual Percentage Rate shown is lowest available and reflects .25% rate discount for electronic repayment and direct deposit enrollment; Minimum payment $125.00
Annual Percentage Rate shown is lowest available and reflects .25% rate discount for electronic repayment and direct deposit enrollment; Minimum payment $125.00
Annual Percentage Rate shown is lowest available and reflects .25% rate discount for electronic repayment and direct deposit enrollment; Minimum payment $125.00
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; APR (with discount) as low 4.34%; lowest rate is preferred rate with FICO 700 & higher; additional .25% discount with direct deposit of $1000 per month
- Oct 15, 20264.59%▲ from 4.34%
- Oct 5, 20264.34%▼ from 4.74%
- Sep 18, 20264.74%▼ from 4.99%
- Sep 17, 20264.99%first recorded
Range of rates: 4.59% - 18.00% APR; Estimated payment per $100 borrowed: $2.98 - $3.62; Rates effective as of 10/15/2026
Range of rates: 4.59% - 18.00% APR; Estimated payment per $100 borrowed: $2.28 - $2.94; Rates effective as of 10/15/2026
Range of rates: 4.59% - 18.00% APR; Estimated payment per $100 borrowed: $1.87 - $2.54; Rates effective as of 10/15/2026
Range of Rates - New: 4.59% - 18.00% APR; Estimated payment per $100 borrowed: $2.98 - $3.62; Original loan term must be 60 months or less to be eligible for summers off
Range of Rates - New: 4.59% - 18.00% APR; Estimated payment per $100 borrowed: $2.28 - $2.94; Original loan term must be 60 months or less to be eligible for summers off
Range of Rates - New: 4.59% - 18.00% APR; Estimated payment per $100 borrowed: $1.87 - $2.54; Original loan term must be 60 months or less to be eligible for summers off
Qualifying Conditions Apply, Actual Rate May Vary, Rates Based on Credit Qualification
Min Amount: $5,000; New autos under 1,000 miles, financed up to 125% MSRP; Credit Score (720+) tab
- Oct 9, 20264.59%▲ from 4.39%
- Sep 14, 20264.39%first recorded
As Low As; Effective 07/01/2026; Includes 0.90% APR automatic payment discount; Up to 125% financing available; OAC
Published APR range: 4.59% - 17.99%. Rates include 0.50% discount for automatic payment
Loan amount: $5,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payment discount (rate increases 0.25% without automatic payments)
Loan amount: $10,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payment discount (rate increases 0.25% without automatic payments)
Loan amount: $15,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payment discount (rate increases 0.25% without automatic payments)
Loan amount: $25,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payment discount (rate increases 0.25% without automatic payments)
As Low As; Max APR: 13.64%
FICO 730+; Minimum $15,000.00; Maximum LTV 110%
Credit Grade: A+
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. We do not finance on salvaged titles.
As Low As; Loan Amount: $2,500+; Payment Example per $1,000 Borrowed: $43.81; Up to 125% financing for qualified applicants
Susanville Used Auto Auto Loan Rates
OAC; APR based on creditworthiness; *72 mo term requires loan to value of at least $10,000; Rates effective as of 4/22/2026
As Low As; Model Year: 2025-2015; Minimum APR: 3.50%; Maximum APR: 13.00%; Maximum Term: 36 months
- Oct 9, 20263.50%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Rates expressed as APR; LBFCU will finance up to 90% of value without payroll deduction or file transfer, up to 100% value with payroll deduction or file transfer
As Low As; Model Year: 2025-2015; Minimum APR: 3.75%; Maximum APR: 13.25%; Maximum Term: 48 months
- Oct 9, 20263.75%▼ from 4.25%
- Sep 14, 20264.25%first recorded
As Low As; Auto & Recreational Loans
Advertised rates based on Premier FICO 750+; posted rates include discounts of .50% for 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit
As Low As; Vehicle: USED 2018-2025; Lowest rates reflect 0.50% discount for automatic transfer payment or minimum $700 monthly Direct Deposit
As Low As; Max Amount Financed: up to 125%; Rates effective as of 10/15/2026; Relationship Benefits discount of 0.50% reflected in rates
APR Range: 3.99% -16.99%
As Low As; Financing up to 125% of MSRP (new) or KBB Typical Listing Price (used); used vehicles up to 12 years old, max 100,000 miles
As Low As; Terms up to 72 months available; Rates will vary with different terms
Term: Terms up to 72 months available; As Low As; Terms up to 72 months available
Rates expressed as APR; LBFCU will finance up to 90% of value without payroll deduction or file transfer, up to 100% value with payroll deduction or file transfer
As Low As; Non-variable rate; 100% financing available including tax, title, license and extended warranties; rate based on credit history, model year, mileage, and loan term; rates effective as of 10/14/2026
Model Year 2020-2024
As Low As; Percentage Financed: up to 125% financing
As Low As; Up to 120% Financing on Approved Credit
As Low As; Up to 120% Financing on Approved Credit
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
FICO 730+; Minimum $3,500.00; Maximum 110% of low KBB; Vehicles 6 years or older or over 60,000 miles add 2%
As Low As; Model Year: 2025-2015; Minimum APR: 4.25%; Maximum APR: 13.75%; Maximum Term: 60 months
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Finance Amount: Any Amount; Rate for well-qualified borrowers; includes 0.50% automatic payment discount from an ECSFCU checking account or payroll deduction; additional 0.50% New Cars Inc. discount for pre-owned vehicle purchase (up to 66 months); Fixed Rates; Used Vehicle Loans up to 120% KBB Wholesale; rates effective as of 10/1/2025
As Low As; Financing: 2017 - 2024 model years, with less than 115,000 miles, up to $150,000
As Low As; Financing Available: 2017 - 2024 model years
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. We do not finance on salvaged titles.
As Low As; Rates As Low As
As Low As; Rates As Low As
As Low As; Rates As Low As
Advertised rates based on Premier FICO 750+; posted rates include discounts of .50% for 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit
Advertised rates based on Premier FICO 750+; posted rates include discounts of .50% for 100% LTV or less, .25% for automatic payment, and .25% for net direct deposit
As Low As; Vehicle: USED 2018-2025; Lowest rates reflect 0.50% discount for automatic transfer payment or minimum $700 monthly Direct Deposit
As Low As; Model Years: 2016 or Newer; APR includes .25% discount for Direct Deposit from a payroll entity combined with auto pay from a TCCU account; auto loan rates vary by qualifications, credit, collateral, and requested terms
As Low As; Vehicles 7 model years or newer with less than 75K miles; minimum loan amount $5,000 for terms up to 48 months, $10,000 for terms 49 to 60 months
As Low As; 100% financing of retail Kelley Blue Book for autos less than 6 years old
As Low As; Max Amount Financed: up to 125%; Rates effective as of 10/15/2026; Relationship Benefits discount of 0.50% reflected in rates
Lowest Tier 1 rates, including automatic payment discount from NGFCU checking or savings
As Low As; Up to 120% Financing on Approved Credit
As Low As; Up to 120% Financing on Approved Credit
As Low As; Non-Variable, up to 84 months
As Low As; Financing up to 125% of MSRP (new) or KBB Typical Listing Price (used); used vehicles up to 12 years old, max 100,000 miles
As Low As; Standard APR; Effective 10/01/2026; No Payments for up to 90 Days available
As Low As; Minimum Loan Amount: $2,000.00; Monthly Payment Per $1,000 Borrowed: $18.65 (60-month term); 4.50% APR requires automatic payments from an AFCU Checking Account, otherwise 5.95% for new vehicles only; offer valid until October 31, 2026; refinance of existing AFCU auto loan permissible if on record 90 days or more and in good standing
- Oct 5, 20264.50%▲ from 4.25%
- Sep 25, 20264.25%▼ from 6.35%
- Sep 17, 20266.35%first recorded
As Low As; USED Auto Loan Rates
- Oct 15, 20264.50%▲ from 3.99%
- Oct 5, 20263.99%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Model Year: 2025-2015; Minimum APR: 4.50%; Maximum APR: 14.00%; Maximum Term: 72 months
- Oct 9, 20264.50%▼ from 5.00%
- Sep 14, 20265.00%first recorded
Rates expressed as APR; LBFCU will finance up to 90% of value without payroll deduction or file transfer, up to 100% value with payroll deduction or file transfer
As Low As; Financing: Up to 125% of Kelley Blue Book, including tax & license; *APR = Annual Percentage Rate, rates based on credit profile
As Low As; Daily Periodic Rate: 0.012328%; Requires minimum FICO 780 credit score
Annual Percentage Rate shown is lowest available and reflects .25% rate discount for electronic repayment and direct deposit enrollment; Minimum payment $125.00
Annual Percentage Rate shown is lowest available and reflects .25% rate discount for electronic repayment and direct deposit enrollment; Minimum payment $125.00
Annual Percentage Rate shown is lowest available and reflects .25% rate discount for electronic repayment and direct deposit enrollment; Minimum payment $125.00
As Low As; Auto & Recreational Loans
As Low As; Effective 07/01/2026; Includes 0.90% APR automatic payment discount; Up to 125% financing available; OAC
As Low As; Max APR: 13.64%
- Oct 10, 20264.64%▼ from 4.89%
- Sep 14, 20264.89%first recorded
FICO 730+; Minimum $15,000.00; Maximum 110% of low KBB; Vehicles 6 years or older or over 60,000 miles add 2%
Credit Grade: A+
As Low As; Dealer purchase up to 100% of contract price. Private party purchase up to 100% of book value. We do not finance on salvaged titles.
As Low As; Loan Amount: $2,500+; Annual Percentage Rate as low as
Susanville, CA Auto Loan Rate Trends
Compare local Susanville, CA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
California new auto rates fell 0.028 points over the past 7 days to 5.214% APR.
California used auto rates rose 0.038 points over the past 7 days to 5.771% APR.
Susanville, 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 @ 5.21% APR CA average | Used Auto @ 5.77% APR CA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.54/mo | $288.39/mo | $3.85/mo |
| $25,000 | $474.24/mo | $480.66/mo | $6.42/mo |
| $35,000 | $663.93/mo | $672.92/mo | $8.99/mo |
| $45,000 | $853.62/mo | $865.18/mo | $11.56/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 Susanville, California
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Susanville, 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 Susanville, 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: Susanville, California CD rates lock in a guaranteed return until you’re ready to buy
Susanville, California Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $569 monthly car payment works out to roughly 16.3% of the median individual income in Susanville, 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 Susanville, 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 Susanville, 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 Susanville, 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 Susanville, 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 Susanville, 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 Susanville, 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 Susanville, 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 Susanville, 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 Susanville, California?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Susanville, California?
- LASSEN COUNTY: 7.30% (Off Road Vehicle Loan - New)
- Utility District Credit Union: 3.00% (New Auto Loans)
- Long Beach Firemens Credit Union: 3.25% (New Vehicle Loan - 36 months)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- La Loma Federal Credit Union: 3.49% (Vehicle Loans)
Susanville, California Rates & Resources
