Auto Loan Rates in Upland, California (CA) for May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Upland, California include Arrowhead Central Credit UnionArrowhead Central Credit Union81 W Foothill Blvd, Upland, CA, 91786 3846A+5.0 ★Texas Ratio: 2.28% offering New & Used Autos at 3.99%, CHAFFEY Federal Credit UnionCHAFFEY Federal Credit Union1024 W Foothill Blvd, Upland, CA, 91786A+5.0 ★Texas Ratio: 2.08% offering Fixed Rate New and Used Auto Loans at 4.39%, SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union1895 N Campus Ave Ste C, Upland, CA, 91784A+5.0 ★Texas Ratio: 5.68% offering New Auto Loan at 4.59%, Foothill Credit UnionFoothill Credit Union1365 E 19th St Ste F, Upland, CA, 91784 4201A+5.0 ★Texas Ratio: 1.23% offering New Automobile and Truck at 4.74%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Upland has 4 local institutions in our database, with auto loan rates as low as 3.99% APR from Arrowhead Central Credit Union at 81 W Foothill Blvd, Upland, CA, 91786 3846. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Upland, California. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Upland, California & Surrounding Area
New Vehicles
As Low As
As Low As
As Low As
As Low As
New Vehicles
New Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month); Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding; Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding; Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs; Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
New Vehicles
As Low As; Used
As Low As; Used
As Low As; Used
As Low As
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month); Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding; Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding; Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs; Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
Used Vehicles
Used Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month); Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding; Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding; Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs; Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
Used Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month); Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding; Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding; Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs; Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
New Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
Used Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month); Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding; Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding; Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs; Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
Used Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month); Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding; Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding; Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs; Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
As Low As; Up to $30,000 max loan amount. Rates subject to change without notice. Max rate discount cannot exceed 1.00%. Rate discounts may apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month). Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months
As Low As; Up to $30,000 max loan amount. Rates subject to change without notice. Max rate discount cannot exceed 1.00%. Rate discounts may apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month). Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months
Dependent on amount financed
Dependent on amount financed
As Low As; APR - 2026 & Newer
As Low As
As Low As; This special will ONLY cover New and Used auto loans. These rates will be for New Money Loans Only for the period of 3/1/26-5/31/26. Vehicles 10 YRS old and Newer. Rates are subject to change without notice and are based on credit approval.
As Low As
As Low As
As Low As
As Low As
As Low As; No Payments for up to 90 Days
As Low As
As Low As; 24 month to 84 month terms
As Low As; with discount
As Low As
As Low As
As Low As
As Low As; APR - 2026 & Newer
Up to 60 Months
Up to 60 Months
Up to 60 Months
Up to 60 Months
As Low As; Terms up to 84 months available.**
As Low As; Terms up to 72 months available.**
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; No Payments for up to 90 Days
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
As Low As
As Low As
As Low As
As Low As
As Low As
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
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; APR - 2023 - 2025*
As Low As
APR with Autopay
APR with Autopay
APR with Autopay
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
As Low As
As Low As; with discount
As Low As
As Low As
2011 to 2015 Model Year
2016 to 2019 Model Year
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
As Low As
As Low As; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As; Up to 48 Months
2011 to 2015
As Low As
As Low As
As Low As; **
As Low As; Financing: 100%
As Low As
As Low As
As Low As; with discount
As Low As
As Low As
As Low As
As Low As
As Low As
APR without Autopay
APR without Autopay
APR without Autopay
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
As Low As
As Low As; New (Model years 2026 or newer)
As Low As; No Payments for up to 90 Days
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
As Low As; USED Cars, Trucks, & SUVs | 2016-2025 | mileage up to 150k Financing up to 100% | Terms up to 84 months
2020 to 2024 Model Year
As Low As
As Low As
As Low As
As Low As
As Low As; 60 months or less
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
As Low As; $10,000 or Over
84 Months
84 Months
2016 to 2019
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
2025 to 2027 Model Year
As Low As; 2025 or newer
As Low As
As Low As; Minimum Amount Financed $15,000
As Low As
2020 to 2024
As Low As; LTV <=75%
2025 to 2027 Model Year
As Low As
New Vehicles
As Low As
New Vehicles
New Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month); Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding; Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding; Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs; Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
New Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month); Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding; Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding; Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs; Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
Used Vehicles
Used Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month); Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding; Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding; Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs; Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
Used Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month); Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding; Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding; Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs; Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
New Vehicles
Used Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month); Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding; Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding; Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs; Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
Used Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). New Auto Floor Rate is 4.74%. Rates subject to change without notice. Rate discounts that apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month); Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding; Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding; Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs; Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
As Low As; Up to $30,000 max loan amount. Rates subject to change without notice. Max rate discount cannot exceed 1.00%. Rate discounts may apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month). Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months
Dependent on amount financed
Dependent on amount financed
As Low As
As Low As; This special will ONLY cover New and Used auto loans. These rates will be for New Money Loans Only for the period of 3/1/26-5/31/26. Vehicles 10 YRS old and Newer. Rates are subject to change without notice and are based on credit approval.
As Low As
As Low As
As Low As
As Low As
As Low As; No Payments for up to 90 Days
As Low As
As Low As; with discount
As Low As
As Low As
Up to 60 Months
Up to 60 Months
As Low As; Terms up to 84 months available.**
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; No Payments for up to 90 Days
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
As Low As
As Low As
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
As Low As
As Low As
As Low As
As Low As
As Low As
APR with Autopay
APR with Autopay
APR with Autopay
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
As Low As
As Low As; with discount
As Low As
As Low As
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; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As
As Low As; **
As Low As
As Low As
As Low As; with discount
As Low As
As Low As
As Low As
As Low As
As Low As
APR without Autopay
APR without Autopay
APR without Autopay
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
As Low As
As Low As; New (Model years 2026 or newer)
As Low As; No Payments for up to 90 Days
As Low As; NEW Cars, Trucks, & SUVs | 2025-2026 | mileage up to 5k Financing up to 100% | Terms up to 84 months
As Low As
As Low As
As Low As
As Low As; 60 months or less
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
84 Months
84 Months
Up to 125% financing - includes tax, license, registration & warranty, depending on qualifications. All Terms & Conditions subject to loan approval. Final rate will be based on loan-to-value (LTV) ratio, term, and creditworthiness.
As Low As; 2025 or newer
As Low As; Minimum Amount Financed $15,000
As Low As
New Vehicles
New Vehicles
New Vehicles
New Vehicles
As Low As
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
Used Vehicles
Used Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
Used Vehicles
New Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
Used Vehicles
As Low As; Rate shown includes discounts (max of 1.00% discount per loan). Max loan amount is $200,000. Max LTV is 125%, based on creditworthiness. Cash-out auto loans: Max LTV is 80% and max term is 60 months.
Used Vehicles
As Low As; Up to $30,000 max loan amount. Rates subject to change without notice. Max rate discount cannot exceed 1.00%. Rate discounts may apply: Deduct 0.50% for auto loans if member adds a new direct deposit (minimum of $1,000/month). Deduct 0.25% for auto loans if member sets up auto pay on the new loan at the time of funding Deduct 0.25% for auto loans if member has a Foothill MasterCard or open a new MasterCard at time of funding Deduct 0.25% for auto loans if member is employed by one of our Education, Healthcare, or City Municipalities SEGs Deduct 0.25% for auto loans if member has financed an auto with Foothill within the last 60 months
Dependent on amount financed
Dependent on amount financed
As Low As
As Low As; This special will ONLY cover New and Used auto loans. These rates will be for New Money Loans Only for the period of 3/1/26-5/31/26. Vehicles 10 YRS old and Newer. Rates are subject to change without notice and are based on credit approval.
As Low As; No Payments for up to 90 Days
As Low As
As Low As
Up to 60 Months
Up to 60 Months
As Low As; Terms up to 72 months available.**
As Low As
As Low As
As Low As; No Payments for up to 90 Days
As Low As
As Low As
As Low As
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
As Low As
As Low As
As Low As
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; APR rates are shown with a 0.25% discount rate for automatic payment transfers and for having a checking account.
As Low As
As Low As
As Low As; New (Model years 2026 or newer)
As Low As; No Payments for up to 90 Days
As Low As; USED Cars, Trucks, & SUVs | 2016-2025 | mileage up to 150k Financing up to 100% | Terms up to 84 months
As Low As
Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
Upland, CA Auto Loan Rate Trends
Compare local Upland, 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 0.194 points over the past 7 days to 6.007% APR.
California used auto rates fell 0.185 points over the past 7 days to 6.282% APR.
Frequently Asked Questions about Auto Loans in Upland, California
How does my credit score affect my car loan rate in California?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Upland, California?
- Arrowhead Central Credit Union: 3.99% (New & Used Autos)
- CHAFFEY Federal Credit Union: 4.39% (Fixed Rate New and Used Auto Loans)
- SchoolsFirst Federal Credit Union: 4.59% (New Auto Loan)
- Foothill Credit Union: 4.74% (New Automobile and Truck)
- Baxter Credit Union: 3.24% (Auto Loans)
