Fresno, California Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Fresno, California auto loan rates range from 3.00% to 11.00% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Fresno, California include Educational Employees Credit UnionEducational Employees Credit Union2222 W Shaw Ave, Fresno, CA, 93711 3419A+5.0 ★Texas Ratio: 0.58%Rate verified Nov 8, 2026 offering New Auto Loan: 2023 and Newer Models at 3.99%, Pacific Service Credit UnionPacific Service Credit Union102 E Nees Ave, Fresno, CA, 93720 4312A+5.0 ★Texas Ratio: 1.59%Rate verified Nov 9, 2026 offering New Vehicle Loan at 4.24%, United Local Credit UnionUnited Local Credit Union3650 E Ashlan Ave, Fresno, CA, 93726A+5.0 ★Texas Ratio: 0.63%Rate verified Nov 8, 2026 offering New Auto/Truck Loan at 4.59%, Greater Valley Credit UnionGreater Valley Credit Union1185 W Hedges Ave, Fresno, CA, 93728 1219A+5.0 ★Texas Ratio: 0.00%Rate verified Nov 8, 2026 offering Vehicle Loan at 4.69%, Central Valley Firefighters Credit UnionCentral Valley Firefighters Credit Union5300 N FRESNO ST, FRESNO, CA, 93710 6828A+5.0 ★Texas Ratio: 1.56%Rate verified Nov 9, 2026 offering New Vehicles (2023 & newer) Loan at 4.79%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Fresno has 11 local institutions in our database, with auto loan rates as low as 3.99% APR from Educational Employees Credit Union at 2222 W Shaw Ave, Fresno, CA, 93711 3419. 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 Fresno, California. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Fresno, California & Surrounding Area
Fresno Auto Loan Rates
As Low As; Rates effective as of 11/1/2026; includes .50% discount for automatic payment from EECU checking account
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Rates effective as of 11/1/2026; includes .50% discount for automatic payment from EECU checking account
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; $5,000 minimum loan; Rates effective as of 11/1/2026; includes .50% discount for automatic payment from EECU checking account
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; $15,000 minimum loan; Rates effective as of 11/1/2026; includes .50% discount for automatic payment from EECU checking account
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; includes .50% discount for automatic payment from EECU checking account; Rates effective as of 11/1/2026
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; includes .50% discount for automatic payment from EECU checking account; Rates effective as of 11/1/2026
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; includes .50% discount for automatic payment from EECU checking account; Rates effective as of 11/1/2026
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; includes .50% discount for automatic payment from EECU checking account; Rates effective as of 11/1/2026
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%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
Qualifying Conditions Apply, Actual Rate May Vary, Rates Based on Credit Qualification; Amount Financed, Rate, and Term Based on Vehicle Age and Credit Qualifications
As Low As; Loan Amount: $1,000 - 100,000
As Low As; Loan Amount: $5,000 - 100,000
As Low As; Loan Amount: $15,000 - 100,000
As Low As; Loan Amount: $1,000-100,000
As Low As; Loan Amount: $5,000-100,000
As Low As; Loan Amount: $15,000-100,000
Up to $125,000; Annual Percentage Rate (Lowest) 4.79%; Annual Percentage Rate (Highest) 8.19%
- Nov 5, 20264.79%▲ from 4.49%
- Oct 10, 20264.49%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Model Year: 2026-2027
- Oct 6, 20264.79%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Model Year: 2026-2027
- Oct 6, 20264.79%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Model Year: 2026-2027; APR assumes direct deposit and auto payment from FPDCU checking
Model Year: 2026-2027; APR assumes direct deposit and auto payment from FPDCU checking
Model Year: 2022 to 2026 Models
- Oct 10, 20264.79%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Model Year: 2022 to 2026 Models
- Oct 10, 20264.79%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Model Year: 2022 to 2026 Models; APR assumes direct deposit and auto payment from FPDCU checking
Model Year: 2022 to 2026 Models; APR assumes direct deposit and auto payment from FPDCU checking
As Low As; Financing Available: 2025 or newer; Up to $150,000
- Nov 3, 20264.85%▲ from 4.35%
- Sep 14, 20264.35%first recorded
As Low As; Model Years: 2023 and Newer; Cost Per $1,000 Borrowed: $22.98
As Low As; Model Years: 2023 and Newer; Cost Per $1,000 Borrowed: $18.82
APR range: 4.89% - 15.99%
As Low As; Model Years: 2023 and Newer; Cost Per $1,000 Borrowed: $16.10; Minimum Amount Financed $15,000
As Low As; $25,000 minimum loan; Rates effective as of 11/1/2026; includes .50% discount for automatic payment from EECU checking account
- Nov 3, 20264.99%▼ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; includes .50% discount for automatic payment from EECU checking account; Rates effective as of 11/1/2026
- Nov 3, 20264.99%▼ from 5.99%
- Sep 14, 20265.99%first recorded
Model Year: 2026-2027
- Oct 6, 20265.29%▲ from 4.79%
- Sep 14, 20264.79%first recorded
Model Year: 2026-2027; APR assumes direct deposit and auto payment from FPDCU checking
Term: 72 months - Min $15,000; As Low As; Financing Available: 2025 or newer; Up to $150,000
- Nov 3, 20265.49%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Financing Available: 2017 - 2024 model years; with less than 115,000 miles; Up to $150,000
- Nov 3, 20265.49%▲ from 4.35%
- Sep 14, 20264.35%first recorded
As Low As; Model Years: 2023 and Newer; Cost Per $1,000 Borrowed: $14.37; Minimum Amount Financed $20,000
As Low As; Model Years: 2019-2022; Minimum Amount Financed $15,000; For 2014 and older model years or over 100,000 miles contact the loan department at (559) 226-8282, Option 2
As Low As; Model Years: 2019-2022; Minimum Amount Financed $15,000; For 2014 and older model years or over 100,000 miles contact the loan department at (559) 226-8282, Option 2
As Low As; Model Years: 2019-2022; Minimum Amount Financed $15,000; For 2014 and older model years or over 100,000 miles contact the loan department at (559) 226-8282, Option 2
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Loan Amount: $25,000 - 100,000
Up to $125,000; Annual Percentage Rate (Lowest) 5.79%; Annual Percentage Rate (Highest) 9.19%
- Nov 5, 20265.79%▲ from 5.49%
- Oct 10, 20265.49%▲ from 5.39%
- Sep 14, 20265.39%first recorded
Up to $125,000; Annual Percentage Rate (Lowest): 5.79%; Annual Percentage Rate (Highest): 9.19%; APR range 5.79%-9.19%
- Nov 5, 20265.79%▲ from 5.49%
- Oct 14, 20265.49%▲ from 5.39%
- Sep 14, 20265.39%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Term: 84 months - Min $20,000; As Low As; Financing Available: 2025 or newer; Up to $150,000
- Nov 3, 20265.99%▲ from 5.49%
- Sep 17, 20265.49%first recorded
Term: 72 months - Min $15,000; As Low As; Financing Available: 2017 - 2024 model years; with less than 115,000 miles; Up to $150,000
- Nov 3, 20265.99%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Loan Amount: $25,000-100,000
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 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%
Term: Up to 84 months - Min $20,000; As Low As; Financing Available: 2017 - 2024 model years; with less than 115,000 miles; Up to $150,000
- Nov 3, 20266.49%▲ from 5.49%
- Sep 17, 20265.49%first recorded
Model Year: 2021 to Prior Models (Up to 10 Model Years)
Model Year: 2021 to Prior Models (Up to 10 Model Years); APR assumes direct deposit and auto payment from FPDCU checking
Qualifying Conditions Apply, Actual Rate May Vary, Rates Based on Credit Qualification; Amount Financed, Rate, and Term Based on Vehicle Age and Credit Qualifications
Up to $125,000; Annual Percentage Rate (Lowest): 6.79%; Annual Percentage Rate (Highest): 10.19%; APR range 6.79%-10.19%
- Nov 5, 20266.79%▲ from 6.49%
- Oct 14, 20266.49%▲ from 6.39%
- Sep 14, 20266.39%first recorded
As Low As; Rates effective as of 11/1/2026; Maximum loan amount $100,000; includes .50% discount for automatic payment from EECU checking account
Published APR range: 7.25% to 13.25%.
- Oct 22, 20267.25%▲ from 6.50%
- Sep 14, 20266.50%first recorded
As Low As; Loan Amount: $25,000 - 100,000 (RV only)
As Low As; Rates effective as of 11/1/2026; Maximum loan amount $100,000; includes .50% discount for automatic payment from EECU checking account
As Low As; Includes .50% discount for automatic payment from EECU checking account; Maximum loan amount $50,000; Must be titled in California
As Low As; Rates effective as of 11/1/2026; Maximum loan amount $100,000; includes .50% discount for automatic payment from EECU checking account
As Low As; Rates effective as of 11/1/2026; Maximum loan amount $100,000; includes .50% discount for automatic payment from EECU checking account
Published APR range: 8.00% to 14.00%.
- Oct 22, 20268.00%▲ from 7.25%
- Sep 14, 20267.25%first recorded
As Low As; Loan Amount: $25,000-100,000; RV only
As Low As; Loan Amount: $35,000 - 100,000 (RV only)
As Low As; Maximum loan amount $20,000
As Low As; Loan Amount: $35,000-100,000; RV only
Published APR range: 10.00% to 16.00%.
- Oct 22, 202610.00%▲ from 7.25%
- Sep 14, 20267.25%first recorded
As Low As; Maximum loan amount $20,000
As Low As; Maximum loan amount $20,000
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
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
Loan Term for New & Used; Rates effective as of 11/2/2026; Rates offered to members meeting select credit criteria, including -.25% discount for Autopay
- Nov 3, 20263.49%▼ from 3.74%
- Oct 9, 20263.74%first recorded
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
As Low As; FICO: 720+; Model Year: 2026 or newer; Rates reflect max 1.50% loyalty discount (10+ years membership), direct deposit, and Shield Elite checking
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
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
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
Rates effective 9/01/2026; APR; Advertised APR includes 0.50% combined discount (0.25% Everything Plus Checking, 0.25% LTV 80% or less); New collateral: 2025 model year or newer with less than 1,500 miles
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 for 36 month term; higher rates apply for terms longer than 36 months; includes .25% discount for automatic payment from an Arrowhead account; rates valid as of 11/7/2026; terms up to 84 months
APR range: 3.99% - 16.99%; Effective Date: November 7, 2026; Best rate is for 36-month term; lowest rate includes .25% automatic payment discount from an Arrowhead account
APR range: 3.99% - 16.99%; Effective Date: November 7, 2026
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; Credit score 710+; Membership eligibility required; Incentive: $300 on $15,000, $400 on $20,000, $500 on $25,000 funded loans; Offer good for new, used and refinanced loans
Includes tax, license, GAP insurance, Mechanical Repair Coverage (MRC)
- Nov 5, 20263.99%▼ from 4.84%
- Oct 19, 20264.84%first recorded
As Low As; Minimum loan amount: $5,000
- Nov 5, 20263.99%▼ from 4.84%
- Sep 14, 20264.84%first recorded
As Low As; Minimum loan amount: $5,000
- Nov 5, 20263.99%▼ from 4.84%
- Sep 14, 20264.84%first recorded
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
Model Year: 2016 to 2019; Risk Grade A+
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
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
Published 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
FICO: 720+; Model Year: 2026 or newer; Rates reflect max 1.50% loyalty discount (10+ years membership), direct deposit, and Shield Elite checking
Rates effective 9/01/2026; APR; Advertised APR includes 0.50% combined discount (0.25% Everything Plus Checking, 0.25% LTV 80% or less); New collateral: 2025 model year or newer with less than 1,500 miles
Loan Term for New & Used; Rates effective as of 11/2/2026; Rates 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
As Low As; APR (with discount) as low; Requires direct deposit to POLAM FCU account of minimum $1000 per month; Discount applies to funds as of May 21, 2025
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
As Low As; Minimum loan amount: $5,000
- Nov 5, 20264.24%▼ from 4.84%
- Sep 18, 20264.84%first recorded
As Low As; Minimum loan amount: $5,000
- Nov 5, 20264.24%▼ from 4.84%
- Sep 18, 20264.84%first recorded
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit
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
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 programs; 0.50% additional discount for Electric Vehicle loan
As Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying programs; 0.50% additional discount for Electric Vehicle loan
Published APR range: 4.29-18.79%. Actual rates determined by vehicle model year, loan term, and credit history; lowest rate for direct loans, does not apply to CUDL platform applications
As Low As; Credit score 710+; Membership eligibility required; Incentive: $300 on $15,000, $400 on $20,000, $500 on $25,000 funded loans; Offer good for new, used and refinanced loans
As Low As; APR (with discount) as low; Requires direct deposit to POLAM FCU account of minimum $1000 per month; Discount applies to funds as of May 21, 2025
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20264.34%▲ from 4.14%
- Sep 22, 20264.14%first recorded
Model Year: 2025 to 2027; Risk Grade A+
Finance Amount: Any Amount; APR as low as; Rate shown is for well-qualified borrowers; includes 0.50% automatic payment discount; Rates effective as of 10/1/2025; Fixed Rates Used Vehicle Loans up to 120% KBB Wholesale
As Low As; Model Years 2021 and Newer; UP TO 120%
Model Years 2016-2020; APR* As Low As; up to 110% LTV
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
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
Model Year: 2025 to 2027; Risk Grade A+
As Low As; Maximum Amount: Up to 135% MSRP
Term: 60 months + .50% | 72 months + 1% | 84 months + 2%; Published APR range: 4.49% - 13.99%. Extended Term Rate Adjustments May Apply
As Low As; Maximum Term APR; Up to 125% financing for new purchase price or retail blue book + MBI/GAP; Add 2% to rates on model years older than 7 years from current year
As Low As; Maximum Term APR; Up to 125% financing for new purchase price or retail blue book + MBI/GAP; Add 2% to rates on model years older than 7 years from current year
As Low As; Rates may vary; add 2% to rates on model years older than 7 years
As Low As; Rates may vary; add 2% to rates on model years older than 7 years
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+
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; Finance Amount: $10,000 and up; Rate for well-qualified borrowers; includes 0.50% automatic payment discount; add .50% if not on automatic payment transfer or payroll deduction
FICO: 720+; Model Year: 2026 or newer; Rates reflect max 1.50% loyalty discount (10+ years membership), direct deposit, and Shield Elite checking
As Low As; APR* as low as 4.49%; Model Years: 2016 or Newer; *APR includes a .25% discount for Direct Deposit from a payroll entity, combined with auto pay from a TCCU account
As Low As; Vehicles 7 model years or newer with less than 75K miles; Terms up to 48 months, minimum loan $5,000; Terms 49 to 60 months, minimum loan $10,000
Rates effective 9/01/2026; APR; Advertised APR includes 0.50% combined discount (0.25% Everything Plus Checking, 0.25% LTV 80% or less); New collateral: 2025 model year or newer with less than 1,500 miles
Loan Term for New & Used; Rates effective as of 11/2/2026; Rates offered to members meeting select credit criteria, including -.25% discount for Autopay
As Low As; 100% financing of retail Kelley Blue Book for autos less than 6 years old
As Low As; Models 2025 or newer (under 10,000 miles)
As Low As; APR As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher
As Low As; Max Amount Financed: up to 125%
As Low As; Max Amount Financed: up to 125%
As Low As; Model Years 2021 and Newer; UP TO 120%
Model Years 2016-2020; APR* As Low As; up to 110% LTV
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 36 Months
- Oct 26, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade and Warranty; To qualify: 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)
Rate shown at 60 month term; promotional rates displayed October 9, 2026 - November 20, 2026; includes .50% discount for full direct deposit with automatic payment from checking
- Oct 26, 20264.49%▼ from 4.59%
- Oct 13, 20264.59%first recorded
Rate range: 4.49% - 17.99%; Amount: $10,000 - $90,000; Vehicle loan rate match to refinance an existing vehicle loan: 100 basis points less than existing contract rate, floor 4.49%
Printed APR pair: 4.49% / 3.99%**; 100% of purchase price, including tax, license, and Upward CU payment protection; Maximum loan amount is $150,000; Additional .50% discount is available
Fresno New Auto Auto Loan Rates
As Low As; Rates effective as of 11/1/2026; includes .50% discount for automatic payment from EECU checking account
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Rates effective as of 11/1/2026; includes .50% discount for automatic payment from EECU checking account
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; $5,000 minimum loan; Rates effective as of 11/1/2026; includes .50% discount for automatic payment from EECU checking account
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; $15,000 minimum loan; Rates effective as of 11/1/2026; includes .50% discount for automatic payment from EECU checking account
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%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
Qualifying Conditions Apply, Actual Rate May Vary, Rates Based on Credit Qualification; Amount Financed, Rate, and Term Based on Vehicle Age and Credit Qualifications
Up to $125,000; Annual Percentage Rate (Lowest) 4.79%; Annual Percentage Rate (Highest) 8.19%
- Nov 5, 20264.79%▲ from 4.49%
- Oct 10, 20264.49%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Model Year: 2026-2027
- Oct 6, 20264.79%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Model Year: 2026-2027
- Oct 6, 20264.79%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Model Year: 2026-2027; APR assumes direct deposit and auto payment from FPDCU checking
Model Year: 2026-2027; APR assumes direct deposit and auto payment from FPDCU checking
As Low As; Financing Available: 2025 or newer; Up to $150,000
- Nov 3, 20264.85%▲ from 4.35%
- Sep 14, 20264.35%first recorded
As Low As; Model Years: 2023 and Newer; Cost Per $1,000 Borrowed: $22.98
As Low As; Model Years: 2023 and Newer; Cost Per $1,000 Borrowed: $18.82
As Low As; Model Years: 2023 and Newer; Cost Per $1,000 Borrowed: $16.10; Minimum Amount Financed $15,000
As Low As; $25,000 minimum loan; Rates effective as of 11/1/2026; includes .50% discount for automatic payment from EECU checking account
- Nov 3, 20264.99%▼ from 5.99%
- Sep 14, 20265.99%first recorded
Model Year: 2026-2027
- Oct 6, 20265.29%▲ from 4.79%
- Sep 14, 20264.79%first recorded
Model Year: 2026-2027; APR assumes direct deposit and auto payment from FPDCU checking
Term: 72 months - Min $15,000; As Low As; Financing Available: 2025 or newer; Up to $150,000
- Nov 3, 20265.49%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Model Years: 2023 and Newer; Cost Per $1,000 Borrowed: $14.37; Minimum Amount Financed $20,000
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Up to $125,000; Annual Percentage Rate (Lowest) 5.79%; Annual Percentage Rate (Highest) 9.19%
- Nov 5, 20265.79%▲ from 5.49%
- Oct 10, 20265.49%▲ from 5.39%
- Sep 14, 20265.39%first recorded
Term: 84 months - Min $20,000; As Low As; Financing Available: 2025 or newer; Up to $150,000
- Nov 3, 20265.99%▲ from 5.49%
- Sep 17, 20265.49%first recorded
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
Published APR range: 7.25% to 13.25%.
- Oct 22, 20267.25%▲ from 6.50%
- Sep 14, 20266.50%first recorded
As Low As; Maximum loan amount $20,000
As Low As; Maximum loan amount $20,000
As Low As; Maximum loan amount $20,000
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
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; FICO: 720+; Model Year: 2026 or newer; Rates reflect max 1.50% loyalty discount (10+ years membership), direct deposit, and Shield Elite checking
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
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
Rates effective 9/01/2026; APR; Advertised APR includes 0.50% combined discount (0.25% Everything Plus Checking, 0.25% LTV 80% or less); New collateral: 2025 model year or newer with less than 1,500 miles
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%; Effective Date: November 7, 2026; Best rate is for 36-month term; lowest rate includes .25% automatic payment discount from an Arrowhead account
APR range: 3.99% - 16.99%; Effective Date: November 7, 2026
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
Includes tax, license, GAP insurance, Mechanical Repair Coverage (MRC)
- Nov 5, 20263.99%▼ from 4.84%
- Oct 19, 20264.84%first recorded
As Low As; Minimum loan amount: $5,000
- Nov 5, 20263.99%▼ from 4.84%
- Sep 14, 20264.84%first recorded
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
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Model Years 2021 and Newer; UP TO 120%
As Low As; Model Years 2021 and Newer; UP TO 120%
Published 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
FICO: 720+; Model Year: 2026 or newer; Rates reflect max 1.50% loyalty discount (10+ years membership), direct deposit, and Shield Elite checking
Rates effective 9/01/2026; APR; Advertised APR includes 0.50% combined discount (0.25% Everything Plus Checking, 0.25% LTV 80% or less); New collateral: 2025 model year or newer with less than 1,500 miles
As Low As; Loan Type: 100% financing of purchase price, tax and license; Estimated payment per $1,000.00: $27.96
As Low As; APR (with discount) as low; Requires direct deposit to POLAM FCU account of minimum $1000 per month; Discount applies to funds as of May 21, 2025
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; Minimum loan amount: $5,000
- Nov 5, 20264.24%▼ from 4.84%
- Sep 18, 20264.84%first recorded
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit
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
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 programs; 0.50% additional discount for Electric Vehicle loan
As Low As; Model Year 2024 & Newer; up to 1.00% maximum discount available for qualifying programs; 0.50% additional discount for Electric Vehicle loan
Published APR range: 4.29-18.79%. Actual rates determined by vehicle model year, loan term, and credit history; lowest rate for direct loans, does not apply to CUDL platform applications
As Low As; APR (with discount) as low; Requires direct deposit to POLAM FCU account of minimum $1000 per month; Discount applies to funds as of May 21, 2025
As Low As; Model Years 2021 and Newer; UP TO 120%
APR range: 4.39% - 17.99%; Rates include 0.50% discount for automatic payment
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; Maximum Amount: Up to 135% MSRP
As Low As; Maximum Term APR; Up to 125% financing for new purchase price or retail blue book + MBI/GAP; Add 2% to rates on model years older than 7 years from current year
As Low As; Maximum Term APR; Up to 125% financing for new purchase price or retail blue book + MBI/GAP; Add 2% to rates on model years older than 7 years from current year
As Low As; Rates may vary; add 2% to rates on model years older than 7 years
As Low As; Rates may vary; add 2% to rates on model years older than 7 years
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; Finance Amount: $10,000 and up; Rate for well-qualified borrowers; includes 0.50% automatic payment discount; add .50% if not on automatic payment transfer or payroll deduction
FICO: 720+; Model Year: 2026 or newer; Rates reflect max 1.50% loyalty discount (10+ years membership), direct deposit, and Shield Elite checking
As Low As; APR* as low as 4.49%; Model Years: 2016 or Newer; *APR includes a .25% discount for Direct Deposit from a payroll entity, combined with auto pay from a TCCU account
As Low As; Vehicles 7 model years or newer with less than 75K miles; Terms up to 48 months, minimum loan $5,000; Terms 49 to 60 months, minimum loan $10,000
Rates effective 9/01/2026; APR; Advertised APR includes 0.50% combined discount (0.25% Everything Plus Checking, 0.25% LTV 80% or less); New collateral: 2025 model year or newer with less than 1,500 miles
As Low As; Models 2025 or newer (under 10,000 miles)
As Low As; APR As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher
As Low As; Max Amount Financed: up to 125%
As Low As; Model Years 2021 and Newer; UP TO 120%
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 36 Months
- Oct 26, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Maximum Total Advance 115% - Max. LTV of MSRP or Retail KBB includes tax, license, Docs, Negative Trade and Warranty; To qualify: 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)
Rate shown at 60 month term; promotional rates displayed October 9, 2026 - November 20, 2026; includes .50% discount for full direct deposit with automatic payment from checking
- Oct 26, 20264.49%▼ from 4.59%
- Oct 13, 20264.59%first recorded
Rate range: 4.49% - 17.99%; Amount: $10,000 - $90,000; Vehicle loan rate match to refinance an existing vehicle loan: 100 basis points less than existing contract rate, floor 4.49%
Printed APR pair: 4.49% / 3.99%**; 100% of purchase price, including tax, license, and Upward CU payment protection; Maximum loan amount is $150,000; Additional .50% discount is available
Fresno Used Auto Auto Loan Rates
As Low As; includes .50% discount for automatic payment from EECU checking account; Rates effective as of 11/1/2026
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; includes .50% discount for automatic payment from EECU checking account; Rates effective as of 11/1/2026
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; includes .50% discount for automatic payment from EECU checking account; Rates effective as of 11/1/2026
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; includes .50% discount for automatic payment from EECU checking account; Rates effective as of 11/1/2026
- Nov 3, 20263.99%▼ from 4.99%
- Sep 18, 20264.99%first recorded
Model Year: 2022 to 2026 Models
- Oct 10, 20264.79%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Model Year: 2022 to 2026 Models
- Oct 10, 20264.79%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Model Year: 2022 to 2026 Models; APR assumes direct deposit and auto payment from FPDCU checking
Model Year: 2022 to 2026 Models; APR assumes direct deposit and auto payment from FPDCU checking
APR range: 4.89% - 15.99%
As Low As; includes .50% discount for automatic payment from EECU checking account; Rates effective as of 11/1/2026
- Nov 3, 20264.99%▼ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Financing Available: 2017 - 2024 model years; with less than 115,000 miles; Up to $150,000
- Nov 3, 20265.49%▲ from 4.35%
- Sep 14, 20264.35%first recorded
As Low As; Model Years: 2019-2022; Minimum Amount Financed $15,000; For 2014 and older model years or over 100,000 miles contact the loan department at (559) 226-8282, Option 2
As Low As; Model Years: 2019-2022; Minimum Amount Financed $15,000; For 2014 and older model years or over 100,000 miles contact the loan department at (559) 226-8282, Option 2
As Low As; Model Years: 2019-2022; Minimum Amount Financed $15,000; For 2014 and older model years or over 100,000 miles contact the loan department at (559) 226-8282, Option 2
Up to $125,000; Annual Percentage Rate (Lowest): 5.79%; Annual Percentage Rate (Highest): 9.19%; APR range 5.79%-9.19%
- Nov 5, 20265.79%▲ from 5.49%
- Oct 14, 20265.49%▲ from 5.39%
- Sep 14, 20265.39%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Term: 72 months - Min $15,000; As Low As; Financing Available: 2017 - 2024 model years; with less than 115,000 miles; Up to $150,000
- Nov 3, 20265.99%▲ from 4.99%
- Sep 17, 20264.99%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 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%
Term: Up to 84 months - Min $20,000; As Low As; Financing Available: 2017 - 2024 model years; with less than 115,000 miles; Up to $150,000
- Nov 3, 20266.49%▲ from 5.49%
- Sep 17, 20265.49%first recorded
Model Year: 2021 to Prior Models (Up to 10 Model Years)
Model Year: 2021 to Prior Models (Up to 10 Model Years); APR assumes direct deposit and auto payment from FPDCU checking
Qualifying Conditions Apply, Actual Rate May Vary, Rates Based on Credit Qualification; Amount Financed, Rate, and Term Based on Vehicle Age and Credit Qualifications
Up to $125,000; Annual Percentage Rate (Lowest): 6.79%; Annual Percentage Rate (Highest): 10.19%; APR range 6.79%-10.19%
- Nov 5, 20266.79%▲ from 6.49%
- Oct 14, 20266.49%▲ from 6.39%
- Sep 14, 20266.39%first recorded
Published APR range: 8.00% to 14.00%.
- Oct 22, 20268.00%▲ from 7.25%
- Sep 14, 20267.25%first recorded
As Low As; Maximum loan amount $20,000
Published APR range: 10.00% to 16.00%.
- Oct 22, 202610.00%▲ from 7.25%
- Sep 14, 20267.25%first recorded
As Low As; Maximum loan amount $20,000
As Low As; Maximum loan amount $20,000
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
As Low As
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%; Effective Date: November 7, 2026; Best rate is for 36-month term; lowest rate includes .25% automatic payment discount from an Arrowhead account
APR range: 3.99% - 16.99%; Effective Date: November 7, 2026
Includes tax, license, GAP insurance, Mechanical Repair Coverage (MRC)
- Nov 5, 20263.99%▼ from 4.84%
- Oct 19, 20264.84%first recorded
As Low As; Minimum loan amount: $5,000
- Nov 5, 20263.99%▼ from 4.84%
- Sep 14, 20264.84%first recorded
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; Minimum loan amount: $5,000
- Nov 5, 20264.24%▼ from 4.84%
- Sep 18, 20264.84%first recorded
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
Finance Amount: Any Amount; APR as low as; Rate shown is for well-qualified borrowers; includes 0.50% automatic payment discount; Rates effective as of 10/1/2025; Fixed Rates Used Vehicle Loans up to 120% KBB Wholesale
Term: 60 months + .50% | 72 months + 1% | 84 months + 2%; Published APR range: 4.49% - 13.99%. Extended Term Rate Adjustments May Apply
As Low As; Maximum Term APR; Up to 125% financing for new purchase price or retail blue book + MBI/GAP; Add 2% to rates on model years older than 7 years from current year
As Low As; Maximum Term APR; Up to 125% financing for new purchase price or retail blue book + MBI/GAP; Add 2% to rates on model years older than 7 years from current year
As Low As; Rates may vary; add 2% to rates on model years older than 7 years
As Low As; Rates may vary; add 2% to rates on model years older than 7 years
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; APR* as low as 4.49%; Model Years: 2016 or Newer; *APR includes a .25% discount for Direct Deposit from a payroll entity, combined with auto pay from a TCCU account
As Low As; Vehicles 7 model years or newer with less than 75K miles; Terms up to 48 months, minimum loan $5,000; Terms 49 to 60 months, minimum loan $10,000
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%
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 36 Months
- Oct 26, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
Fresno, CA Auto Loan Rate Trends
Compare local Fresno, 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 0.002 points over the past 7 days to 5.333% APR.
California used auto rates fell 0.026 points over the past 7 days to 5.812% APR.
Fresno, 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 | $285.36/mo | $288.68/mo | $3.32/mo |
| $25,000 | $475.61/mo | $481.14/mo | $5.53/mo |
| $35,000 | $665.85/mo | $673.59/mo | $7.74/mo |
| $45,000 | $856.09/mo | $866.05/mo | $9.95/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 Fresno, California
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Fresno, 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 Fresno, 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: Fresno, California CD rates lock in a guaranteed return until you’re ready to buy
Fresno, 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 18.2% of the median individual income in Fresno, 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 Fresno, 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 Fresno, 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 Fresno, 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 Fresno, 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 Fresno, 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 Fresno, 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 Fresno, California
What are auto loan rates in Fresno, California today?
How does my credit score affect my car loan rate in Fresno, 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 Fresno, 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 Fresno, California?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Fresno, California?
- Educational Employees Credit Union: 3.99% (New Auto Loan: 2023 and Newer Models)
- Pacific Service Credit Union: 4.24% (New Vehicle Loan)
- United Local Credit Union: 4.59% (New Auto/Truck Loan)
- Greater Valley Credit Union: 4.69% (Vehicle Loan)
- Central Valley Firefighters Credit Union: 4.79% (New Vehicles (2023 & newer) Loan)
Fresno, California Rates & Resources
