Los Angeles, California Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Los Angeles, California auto loan rates range from 3.34% to 6.49% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Los Angeles, California include American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union500 World Way, Los Angeles, CA, 90045 5891A+5.0 ★Texas Ratio: 2.87%Rate verified Nov 7, 2026 offering New Auto at 3.34%, Actors Federal Credit UnionActors Federal Credit Union5757 Wilshire Blvd, Los Angeles, CA, 90036 3684A-5.0 ★Texas Ratio: 15.48%Rate verified Nov 7, 2026 offering Auto Loan at 3.49%, Baxter Credit UnionBaxter Credit Union4501 Colorado Blvd, Los Angeles, CA, 90039A5.0 ★Texas Ratio: 6.31%Rate verified Nov 9, 2026 offering Auto Loan at 3.84%, Los Angeles Federal Credit UnionLos Angeles Federal Credit Union201 N Los Angeles St, Los Angeles, CA, 90012A+5.0 ★Texas Ratio: 3.95%Rate verified Nov 7, 2026 offering Automobiles & Trucks at 3.90%, Certified Federal Credit UnionCertified Federal Credit Union700 N Alameda St, Los Angeles, CA, 90012 3352A+5.0 ★Texas Ratio: 1.07%Rate verified Nov 7, 2026 offering New Vehicle Loan at 3.99%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Los Angeles has 25 local institutions in our database, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union at 500 World Way, Los Angeles, CA, 90045 5891. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Los Angeles, California. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Los Angeles, California & Surrounding Area
Los Angeles Auto Loan Rates
As Low As
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
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
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
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
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit
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
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+
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; APR As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit
- Oct 30, 20264.49%▲ from 4.09%
- Sep 22, 20264.09%first recorded
As Low As; APR As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher
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
As Low As; Loan Amount: $2,500+
As Low As; Loan Amount: $2,500+
Range of Rates: 4.69% - 18.00% APR
- Oct 29, 20264.69%▲ from 4.59%
- Sep 21, 20264.59%first recorded
Range of Rates: 4.69% - 18.00% APR
- Oct 29, 20264.69%▲ from 4.59%
- Oct 5, 20264.59%first recorded
Range of Rates: 4.69% - 18.00% APR
- Oct 29, 20264.69%▲ from 4.59%
- Oct 5, 20264.59%first recorded
Range of Rates - New: 4.69% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off
- Oct 29, 20264.69%▲ from 4.59%
- Oct 13, 20264.59%first recorded
Range of Rates - New: 4.69% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off
- Oct 29, 20264.69%▲ from 4.59%
- Oct 13, 20264.59%first recorded
Range of Rates - New: 4.69% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off
- Oct 29, 20264.69%▲ from 4.59%
- Oct 13, 20264.59%first recorded
As Low As; 100% Financing; Rates apply to 2024 or newer vehicles; Includes available discounts up to 0.75% APR, 4.44% floor rate; Monthly payment per $1,000 for 36 months at 4.69% is $29.83
- Oct 10, 20264.69%▲ from 4.44%
- Sep 14, 20264.44%first recorded
As Low As; Financing: 100%; Minimum FICO 730; Stated rate includes .25% discount with direct deposit; Rate increase of .25% for used vehicles; California vehicles only
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: $21.04
Qualifications Required: Direct deposit to POLAM FCU account of $1000 per month; As Low As; APR (with discount) as low as; requires direct deposit of $1000 per month; vehicles older than 7 years subject to additional 1% APR
- Oct 23, 20264.74%▼ from 4.99%
- Oct 13, 20264.99%▲ from 4.74%
- Sep 21, 20264.74%first recorded
Qualifications Required: Direct deposit to POLAM FCU account of $1000 per month; As Low As; APR (with discount) as low as; requires direct deposit of $1000 per month; vehicles older than 7 years subject to additional 1% APR
- Oct 23, 20264.74%▼ from 4.99%
- Oct 13, 20264.99%▲ from 4.74%
- Sep 21, 20264.74%first recorded
As Low As; Lowest rates based on term of 36 months or less and LTV of 90% or less; Vehicle type: New Auto
- Nov 8, 20264.74%▲ from 4.49%
- Oct 13, 20264.49%first recorded
As Low As; Minimum Amount Financed: $2,500; New vehicles with less than 5,000 miles; Rate includes discounts; Max loan up to 120% MSRP
With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Rates Effective 09/28/2026
With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Rates Effective 09/28/2026
With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Rates Effective 09/28/2026
As Low As; Rate Effective Date: October 1, 2026; New Vehicles are Current or Prior Year Model; 12K Miles or less
- Oct 15, 20264.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
As Low As; APR As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20264.84%▲ from 4.64%
- Sep 22, 20264.64%first recorded
As Low As; Loan Amount: $2,500+
Term: 84 months (if $20,000+); As Low As; Maximum Loan: 70% financing of low valuation guide, or the vehicle's appraised value.
Maximum Financing: 80% of Purchase Price; Lowest rates offered based on applicant's credit history
As Low As; 100% Financing; Rates apply to 2024 or newer vehicles; Includes available discounts up to 0.75% APR, 4.44% floor rate
- Oct 10, 20264.94%▲ from 4.69%
- Sep 14, 20264.69%first recorded
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+
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: $16.88
As Low As; 100% financing of wholesale Kelley Blue Book for autos over 6 years old
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; APR As low as* (without discount); vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20264.99%▲ from 4.74%
- Sep 21, 20264.74%first recorded
As Low As; APR As low as* (without discount); vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20264.99%▲ from 4.74%
- Sep 21, 20264.74%first recorded
As Low As; Minimum Amount Financed: $2,500; USED vehicles: Any vehicle that doesn't match NEW vehicle requirements; Lowest advertised rate includes discounts
Without Autopay; 130% MSRP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Without Autopay; 130% MSRP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Without Autopay; 130% MSRP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit
- Oct 30, 20264.99%▲ from 4.59%
- Sep 22, 20264.59%first recorded
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit; model year 2020 or older contact credit union
- Oct 30, 20264.99%▲ from 4.59%
- Sep 22, 20264.59%first recorded
As Low As; Rates effective October 22, 2026
As Low As; Rate Effective Date: October 1, 2026; New Vehicles are Current or Prior Year Model; 12K Miles or less
- Oct 15, 20265.00%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Discounted APR; Standard APR as low as 5.50%; Maximum Financing: 100% of MSRP + tax, lic, GAP; Used vehicles: models up to 11 years old
- Oct 19, 20265.00%▼ from 5.59%
- Oct 9, 20265.59%▲ from 5.00%
- Sep 14, 20265.00%first recorded
As Low As; Financing: 100%; Minimum FICO 730; Stated rate includes .25% discount with direct deposit; Rate increase of .25% for used vehicles; California vehicles only
Range of Rates: 5.09% - 18.00% APR
- Oct 29, 20265.09%▲ from 4.99%
- Sep 21, 20264.99%first recorded
Range of Rates - Used: 5.09% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off
- Oct 29, 20265.09%▲ from 4.99%
- Oct 13, 20264.99%first recorded
Range of Rates - Used: 5.09% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off
- Oct 29, 20265.09%▲ from 4.99%
- Oct 13, 20264.99%first recorded
Range of Rates - Used: 5.09% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off
- Oct 29, 20265.09%▲ from 4.99%
- Oct 13, 20264.99%first recorded
Range of Rates: 5.09% - 18.00% APR
- Oct 29, 20265.09%▲ from 4.99%
- Sep 21, 20264.99%first recorded
Range of Rates: 5.09% - 18.00% APR
- Oct 29, 20265.09%▲ from 4.99%
- Oct 5, 20264.99%first recorded
Range of Rates: 5.09% - 18.00% APR
- Oct 29, 20265.09%▲ from 4.99%
- Oct 5, 20264.99%first recorded
As Low As; APR
As Low As; Loan Amount: $2,500+
As Low As; Loan Amount: $2,500+
As Low As; 100% Financing; Minimum loan amount $8,000; Rates apply to 2024 or newer vehicles; Includes available discounts up to 0.75% APR, 4.44% floor rate
- Oct 10, 20265.19%▲ from 4.94%
- Sep 14, 20264.94%first recorded
As Low As; Financing: 100%; Minimum FICO 730; Stated rate includes .25% discount with direct deposit; Rate increase of .25% for used vehicles; California vehicles only
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: Over $20,000.00; Estimated payment per $1,000.00: $14.12
As Low As; Loan type not stated ("--" in source)
As Low As; APR As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher
Qualifications Required: Direct deposit to POLAM FCU account of $1000 per month; As Low As; APR (with discount) as low as; requires direct deposit of $1000 per month; vehicles older than 7 years subject to additional 1% APR
- Oct 23, 20265.24%▼ from 5.49%
- Oct 13, 20265.49%▲ from 5.24%
- Sep 21, 20265.24%first recorded
As Low As; Vehicle up to ten model years old and newer
- Nov 8, 20265.24%▲ from 4.99%
- Oct 13, 20264.99%first recorded
As Low As; Minimum Amount Financed: $8,500; New vehicles with less than 5,000 miles; Rate includes discounts; Max loan up to 120% MSRP
With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Rates Effective 09/28/2026
With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit; model year 2020 or older contact credit union
- Oct 30, 20265.24%▲ from 4.84%
- Sep 22, 20264.84%first recorded
As Low As; Rates effective October 22, 2026
As Low As; Rates effective October 22, 2026
As Low As; Rate Effective Date: October 1, 2026; New Vehicles are Current or Prior Year Model; 12K Miles or less
- Oct 15, 20265.25%▲ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Maximum Financing: 100% of MSRP + tax, lic, GAP; New Vehicles: models up to 3 years old; Discount Available (Max 0.50%): 0.25% for Automatic Payment + 0.25% for Checking/Direct Deposit or Loyalty Rewards
Range of Rates: 5.29% - 18.00% APR
- Oct 29, 20265.29%▲ from 5.19%
- Sep 21, 20265.19%first recorded
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20265.34%▲ from 5.14%
- Sep 22, 20265.14%first recorded
As Low As; Model Year: 2025 & Newer (76-84 month term available for model years 2025 and newer only); Auto Loans
- Oct 14, 20265.34%▲ from 5.14%
- Sep 22, 20265.14%first recorded
As Low As; Loan Amount: $5,000+
As Low As; 100% Financing; Minimum loan amount $15,000; Rates apply to 2024 or newer vehicles; Includes available discounts up to 0.75% APR, 4.44% floor rate
- Oct 10, 20265.44%▲ from 5.19%
- Sep 14, 20265.19%first recorded
As Low As; Loan Amount: $2,500+
Min Loan Amt: $10,000; APR range: 5.49% - 14.49%; Est Pmt / $1,000: $19.10 - $23.53; Certified appraisal required; Inspection may be required
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; APR As low as* (without discount); vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20265.49%▲ from 5.24%
- Sep 21, 20265.24%first recorded
Discounted APR; Standard APR as low as 5.99%; Maximum Financing: 100% of MSRP + tax, lic, GAP; Used vehicles: models up to 11 years old
- Oct 19, 20265.49%▼ from 5.99%
- Oct 9, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Minimum Amount Financed: $10,000; New vehicles with less than 5,000 miles; Rate includes discounts; Max loan up to 120% MSRP
As Low As; Minimum Amount Financed: $8,500; USED vehicles: Any vehicle that doesn't match NEW vehicle requirements; Lowest advertised rate includes discounts
As Low As; Minimum Amount Financed: $10,000; USED vehicles: Any vehicle that doesn't match NEW vehicle requirements; Lowest advertised rate includes discounts
Without Autopay; 130% MSRP Advance Policy; Rates Effective 09/28/2026
Without Autopay; 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Without Autopay; 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Without Autopay; 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit
- Oct 30, 20265.49%▲ from 5.09%
- Sep 22, 20265.09%first recorded
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit; model year 2020 or older contact credit union
- Oct 30, 20265.49%▲ from 5.09%
- Sep 22, 20265.09%first recorded
As Low As; Rates effective October 22, 2026
As Low As; Rates effective October 22, 2026
As Low As; APR range: 5.50% to 16.50%; Maximum Loan: 125% financing for new purchases
As Low As; Rate Effective Date: October 1, 2026; New Vehicles are Current or Prior Year Model; 12K Miles or less
- Oct 15, 20265.50%▲ from 5.00%
- Sep 14, 20265.00%first recorded
- Sep 21, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
As Low As; Financing: 100%; Minimum FICO 730; Stated rate includes .25% discount with direct deposit; Rate increase of .25% for used vehicles; California vehicles only
As Low As; Loan Amount: $15,000+
As Low As; Loan Amount: $5,000+
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%
As Low As; Loan Type: Over $30,000.00; Estimated payment per $1,000.00: $12.15
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
Qualifications Required: Direct deposit to POLAM FCU account of $1000 per month; As Low As; APR (with discount) as low as; requires direct deposit of $1000 per month; vehicles older than 7 years subject to additional 1% APR
- Oct 23, 20265.74%▼ from 5.99%
- Oct 13, 20265.99%▲ from 5.74%
- Sep 21, 20265.74%first recorded
Range of Rates: 5.74% - 18.00% APR
- Oct 29, 20265.74%▲ from 5.69%
- Sep 21, 20265.69%first recorded
As Low As; Maximum Financing: 100% of MSRP + tax, lic, GAP; New Vehicles: models up to 3 years old; Discount Available (Max 0.50%): 0.25% for Automatic Payment + 0.25% for Checking/Direct Deposit or Loyalty Rewards
Discounted APR; Standard APR as low as 6.24%; Maximum Financing: 100% of KBB Retail + tax, lic, GAP; Used vehicles: models up to 11 years old
- Oct 19, 20265.74%▼ from 6.24%
- Oct 9, 20266.24%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Vehicle type: New Auto
- Nov 8, 20265.74%▲ from 5.49%
- Oct 13, 20265.49%first recorded
As Low As; Minimum Amount Financed: $15,000; New vehicles with less than 5,000 miles; Rate includes discounts; Max loan up to 120% MSRP
With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Vehicles valued over $20,000 financed up to 84 months; Rates Effective 09/28/2026
Without Autopay; 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20265.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Minimum $10,000 loan required on terms longer than 60 months; Rates effective October 22, 2026
As Low As; Rates effective October 22, 2026
Term: 73 to 84 months (84 mos. if $20,000+); As Low As; APR range: 5.75% to 16.75%; Maximum Loan: 125% financing for new purchases
As Low As; Rate Effective Date: October 1, 2026; New Vehicles are Current or Prior Year Model; 12K Miles or less
- Oct 15, 20265.75%▲ from 5.25%
- Sep 14, 20265.25%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%
Maximum Financing: 80% of Purchase Price; Lowest rates offered based on applicant's credit history
- Sep 18, 20265.90%▼ from 7.90%
- Sep 14, 20267.90%first recorded
Maximum Financing: 90% of Purchase Price; Lowest rates offered based on applicant's credit history
- Sep 18, 20265.90%▲ from 4.90%
- Sep 14, 20264.90%first recorded
Maximum Financing: 80% of Purchase Price; Pre-Owned or Refinance <= 3 Years Auto Secured <= 3 Years; $50.00 CU processing fee required; Rates accurate as of 09/02/24
As Low As; 100% Financing; Minimum loan amount $25,000; Rates apply to 2024 or newer vehicles; Includes available discounts up to 0.75% APR, 4.44% floor rate
- Oct 10, 20265.94%▲ from 5.69%
- Sep 14, 20265.69%first recorded
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit; model year 2020 or older contact credit union
- Oct 30, 20265.94%▲ from 5.54%
- Sep 22, 20265.54%first recorded
Min Loan Amt: $15,000; APR range: 5.99% - 14.99%; Est Pmt / $1,000: $16.57 - $21.14
Min Loan Amt: $15,000; APR range: 5.99% - 9.49%; Est Pmt / $1,000: $16.57 - $18.27; Certified appraisal required; Inspection may be required
As Low As; APR As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher
As Low As; APR As low as* (without discount); vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20265.99%▲ from 5.74%
- Sep 21, 20265.74%first recorded
As Low As; Maximum Financing: 100% of MSRP + tax, lic, GAP; New Vehicles: models up to 3 years old; Discount Available (Max 0.50%): 0.25% for Automatic Payment + 0.25% for Checking/Direct Deposit or Loyalty Rewards
As Low As; Vehicle up to ten model years old and newer
- Nov 8, 20265.99%▲ from 5.74%
- Oct 13, 20265.74%first recorded
As Low As; Minimum Amount Financed: $15,000; USED vehicles: Any vehicle that doesn't match NEW vehicle requirements; Lowest advertised rate includes discounts
Without Autopay; 130% MSRP Advance Policy; Vehicles valued over $20,000 financed up to 84 months; Rates Effective 09/28/2026
With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Vehicles valued over $20,000 financed up to 84 months; Rates Effective 09/28/2026
As Low As; Minimum $10,000 loan required on terms longer than 60 months; Rates effective October 22, 2026
As Low As; Rate Effective Date: October 1, 2026; Used Vehicles are Models 2-10 Years Prior to Current Year; under 100K Miles
- Oct 15, 20266.00%▲ from 5.50%
- Sep 14, 20265.50%first recorded
As Low As; Financing: 100%; Minimum FICO 730; Stated rate includes .25% discount with direct deposit; Rate increase of .25% for used vehicles; California vehicles only
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%
As Low As; Loan Amount: $15,000+
Range of Rates: 6.09% - 18.00% APR
- Oct 29, 20266.09%▲ from 5.99%
- Sep 21, 20265.99%first recorded
As Low As; Over $30,000.00
As Low As; Minimum Amount Financed: $25,000; New vehicles with less than 5,000 miles; Rate includes discounts; Max loan up to 120% MSRP
Without Autopay; 130% RKBB/JDP Advance Policy; Vehicles valued over $20,000 financed up to 84 months; Rates Effective 09/28/2026
As Low As; Minimum $10,000 loan required on terms longer than 60 months; Rates effective October 22, 2026
As Low As; Rate Effective Date: October 1, 2026; Used Vehicles are Models 2-10 Years Prior to Current Year; under 100K Miles
- Oct 15, 20266.25%▲ from 5.75%
- Sep 14, 20265.75%first recorded
- Sep 21, 20266.25%▲ from 5.49%
- Sep 17, 20265.49%first recorded
- Sep 21, 20266.25%▲ from 5.49%
- Sep 17, 20265.49%first recorded
- Sep 21, 20266.25%▲ from 5.49%
- Sep 17, 20265.49%first recorded
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older; 76-84 month term available for model years 2025 and newer only); Auto Loans
- Oct 14, 20266.34%▲ from 6.14%
- Sep 22, 20266.14%first recorded
Min Loan Amt: $25,000; APR range: 6.49% - 9.99%; Est Pmt / $1,000: $14.85 - $16.60; Footnote 1: Teen Auto Loans only available up to 6 years
APR range: 6.49% - 9.99%; Min Loan Amt: $10,000
Min Loan Amt: $10,000; APR range: 6.49% - 15.49%; Est Pmt / $1,000: $19.56 - $24.05
Los Angeles New Auto Auto Loan Rates
As Low As
Rates effective as of January 20, 2025; Advertised rates based on Premier FICO score of 750+
As Low As
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
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit
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
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; APR As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit
- Oct 30, 20264.49%▲ from 4.09%
- Sep 22, 20264.09%first recorded
As Low As; APR As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher
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; Loan Amount: $2,500+
Range of Rates: 4.69% - 18.00% APR
- Oct 29, 20264.69%▲ from 4.59%
- Sep 21, 20264.59%first recorded
Range of Rates: 4.69% - 18.00% APR
- Oct 29, 20264.69%▲ from 4.59%
- Oct 5, 20264.59%first recorded
Range of Rates: 4.69% - 18.00% APR
- Oct 29, 20264.69%▲ from 4.59%
- Oct 5, 20264.59%first recorded
Range of Rates - New: 4.69% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off
- Oct 29, 20264.69%▲ from 4.59%
- Oct 13, 20264.59%first recorded
Range of Rates - New: 4.69% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off
- Oct 29, 20264.69%▲ from 4.59%
- Oct 13, 20264.59%first recorded
Range of Rates - New: 4.69% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off
- Oct 29, 20264.69%▲ from 4.59%
- Oct 13, 20264.59%first recorded
As Low As; Loan Type: 100% financing of purchase price, tax and license; Estimated payment per $1,000.00: $21.04
As Low As; Lowest rates based on term of 36 months or less and LTV of 90% or less; Vehicle type: New Auto
- Nov 8, 20264.74%▲ from 4.49%
- Oct 13, 20264.49%first recorded
As Low As; Minimum Amount Financed: $2,500; New vehicles with less than 5,000 miles; Rate includes discounts; Max loan up to 120% MSRP
With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Rates Effective 09/28/2026
With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Rates Effective 09/28/2026
With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Rates Effective 09/28/2026
As Low As; Rate Effective Date: October 1, 2026; New Vehicles are Current or Prior Year Model; 12K Miles or less
- Oct 15, 20264.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
As Low As; APR As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher
As Low As; Loan Amount: $2,500+
Maximum Financing: 80% of Purchase Price; Lowest rates offered based on applicant's credit history
Rates effective as of January 20, 2025; Advertised rates based on Premier FICO score of 750+
As Low As; Loan Type: 100% financing of purchase price, tax and license; Estimated payment per $1,000.00: $16.88
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
Without Autopay; 130% MSRP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Without Autopay; 130% MSRP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Without Autopay; 130% MSRP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit
- Oct 30, 20264.99%▲ from 4.59%
- Sep 22, 20264.59%first recorded
As Low As; Rates effective October 22, 2026
As Low As; Rate Effective Date: October 1, 2026; New Vehicles are Current or Prior Year Model; 12K Miles or less
- Oct 15, 20265.00%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Range of Rates: 5.09% - 18.00% APR
- Oct 29, 20265.09%▲ from 4.99%
- Sep 21, 20264.99%first recorded
As Low As; Loan Amount: $2,500+
As Low As; Loan Type: Over $20,000.00; Estimated payment per $1,000.00: $14.12
As Low As; APR As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher
As Low As; Minimum Amount Financed: $8,500; New vehicles with less than 5,000 miles; Rate includes discounts; Max loan up to 120% MSRP
With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Rates Effective 09/28/2026
As Low As; Rates effective October 22, 2026
As Low As; Rate Effective Date: October 1, 2026; New Vehicles are Current or Prior Year Model; 12K Miles or less
- Oct 15, 20265.25%▲ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Maximum Financing: 100% of MSRP + tax, lic, GAP; New Vehicles: models up to 3 years old; Discount Available (Max 0.50%): 0.25% for Automatic Payment + 0.25% for Checking/Direct Deposit or Loyalty Rewards
As Low As; Loan Amount: $5,000+
Rates effective as of January 20, 2025; Advertised rates based on Premier FICO score of 750+
As Low As; Minimum Amount Financed: $10,000; New vehicles with less than 5,000 miles; Rate includes discounts; Max loan up to 120% MSRP
Without Autopay; 130% MSRP Advance Policy; Rates Effective 09/28/2026
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit
- Oct 30, 20265.49%▲ from 5.09%
- Sep 22, 20265.09%first recorded
As Low As; Rates effective October 22, 2026
As Low As; Rate Effective Date: October 1, 2026; New Vehicles are Current or Prior Year Model; 12K Miles or less
- Oct 15, 20265.50%▲ from 5.00%
- Sep 14, 20265.00%first recorded
- Sep 21, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
As Low As; Loan Amount: $15,000+
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%
As Low As; Loan Type: Over $30,000.00; Estimated payment per $1,000.00: $12.15
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
Range of Rates: 5.74% - 18.00% APR
- Oct 29, 20265.74%▲ from 5.69%
- Sep 21, 20265.69%first recorded
As Low As; Maximum Financing: 100% of MSRP + tax, lic, GAP; New Vehicles: models up to 3 years old; Discount Available (Max 0.50%): 0.25% for Automatic Payment + 0.25% for Checking/Direct Deposit or Loyalty Rewards
As Low As; Vehicle type: New Auto
- Nov 8, 20265.74%▲ from 5.49%
- Oct 13, 20265.49%first recorded
As Low As; Minimum Amount Financed: $15,000; New vehicles with less than 5,000 miles; Rate includes discounts; Max loan up to 120% MSRP
With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Vehicles valued over $20,000 financed up to 84 months; Rates Effective 09/28/2026
As Low As; Minimum $10,000 loan required on terms longer than 60 months; Rates effective October 22, 2026
As Low As; Rate Effective Date: October 1, 2026; New Vehicles are Current or Prior Year Model; 12K Miles or less
- Oct 15, 20265.75%▲ from 5.25%
- Sep 14, 20265.25%first recorded
Maximum Financing: 80% of Purchase Price; Lowest rates offered based on applicant's credit history
- Sep 18, 20265.90%▼ from 7.90%
- Sep 14, 20267.90%first recorded
Maximum Financing: 90% of Purchase Price; Lowest rates offered based on applicant's credit history
- Sep 18, 20265.90%▲ from 4.90%
- Sep 14, 20264.90%first recorded
As Low As; APR As low as*; Lowest rate is the preferred rate with a FICO score of 700 & higher
As Low As; Maximum Financing: 100% of MSRP + tax, lic, GAP; New Vehicles: models up to 3 years old; Discount Available (Max 0.50%): 0.25% for Automatic Payment + 0.25% for Checking/Direct Deposit or Loyalty Rewards
Without Autopay; 130% MSRP Advance Policy; Vehicles valued over $20,000 financed up to 84 months; Rates Effective 09/28/2026
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%
As Low As; Minimum Amount Financed: $25,000; New vehicles with less than 5,000 miles; Rate includes discounts; Max loan up to 120% MSRP
As Low As; Minimum $10,000 loan required on terms longer than 60 months; Rates effective October 22, 2026
Los Angeles Used Auto Auto Loan Rates
As Low As
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; 100% financing of retail Kelley Blue Book for autos less than 6 years old
As Low As
As Low As; Loan Amount: $2,500+
Qualifications Required: Direct deposit to POLAM FCU account of $1000 per month; As Low As; APR (with discount) as low as; requires direct deposit of $1000 per month; vehicles older than 7 years subject to additional 1% APR
- Oct 23, 20264.74%▼ from 4.99%
- Oct 13, 20264.99%▲ from 4.74%
- Sep 21, 20264.74%first recorded
Qualifications Required: Direct deposit to POLAM FCU account of $1000 per month; As Low As; APR (with discount) as low as; requires direct deposit of $1000 per month; vehicles older than 7 years subject to additional 1% APR
- Oct 23, 20264.74%▼ from 4.99%
- Oct 13, 20264.99%▲ from 4.74%
- Sep 21, 20264.74%first recorded
Rates effective as of January 20, 2025; Advertised rates based on Premier FICO score of 750+
As Low As; 100% financing of wholesale Kelley Blue Book for autos over 6 years old
As Low As; APR As low as* (without discount); vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20264.99%▲ from 4.74%
- Sep 21, 20264.74%first recorded
As Low As; APR As low as* (without discount); vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20264.99%▲ from 4.74%
- Sep 21, 20264.74%first recorded
As Low As; Minimum Amount Financed: $2,500; USED vehicles: Any vehicle that doesn't match NEW vehicle requirements; Lowest advertised rate includes discounts
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit; model year 2020 or older contact credit union
- Oct 30, 20264.99%▲ from 4.59%
- Sep 22, 20264.59%first recorded
Discounted APR; Standard APR as low as 5.50%; Maximum Financing: 100% of MSRP + tax, lic, GAP; Used vehicles: models up to 11 years old
- Oct 19, 20265.00%▼ from 5.59%
- Oct 9, 20265.59%▲ from 5.00%
- Sep 14, 20265.00%first recorded
Range of Rates - Used: 5.09% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off
- Oct 29, 20265.09%▲ from 4.99%
- Oct 13, 20264.99%first recorded
Range of Rates - Used: 5.09% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off
- Oct 29, 20265.09%▲ from 4.99%
- Oct 13, 20264.99%first recorded
Range of Rates - Used: 5.09% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off
- Oct 29, 20265.09%▲ from 4.99%
- Oct 13, 20264.99%first recorded
Range of Rates: 5.09% - 18.00% APR
- Oct 29, 20265.09%▲ from 4.99%
- Sep 21, 20264.99%first recorded
Range of Rates: 5.09% - 18.00% APR
- Oct 29, 20265.09%▲ from 4.99%
- Oct 5, 20264.99%first recorded
Range of Rates: 5.09% - 18.00% APR
- Oct 29, 20265.09%▲ from 4.99%
- Oct 5, 20264.99%first recorded
As Low As; Loan Amount: $2,500+
As Low As; Loan type not stated ("--" in source)
Qualifications Required: Direct deposit to POLAM FCU account of $1000 per month; As Low As; APR (with discount) as low as; requires direct deposit of $1000 per month; vehicles older than 7 years subject to additional 1% APR
- Oct 23, 20265.24%▼ from 5.49%
- Oct 13, 20265.49%▲ from 5.24%
- Sep 21, 20265.24%first recorded
As Low As; Vehicle up to ten model years old and newer
- Nov 8, 20265.24%▲ from 4.99%
- Oct 13, 20264.99%first recorded
With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit; model year 2020 or older contact credit union
- Oct 30, 20265.24%▲ from 4.84%
- Sep 22, 20264.84%first recorded
As Low As; Rates effective October 22, 2026
Range of Rates: 5.29% - 18.00% APR
- Oct 29, 20265.29%▲ from 5.19%
- Sep 21, 20265.19%first recorded
As Low As; Loan Amount: $2,500+
Rates effective as of January 20, 2025; Advertised rates based on Premier FICO score of 750+
As Low As; APR As low as* (without discount); vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20265.49%▲ from 5.24%
- Sep 21, 20265.24%first recorded
Discounted APR; Standard APR as low as 5.99%; Maximum Financing: 100% of MSRP + tax, lic, GAP; Used vehicles: models up to 11 years old
- Oct 19, 20265.49%▼ from 5.99%
- Oct 9, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Minimum Amount Financed: $8,500; USED vehicles: Any vehicle that doesn't match NEW vehicle requirements; Lowest advertised rate includes discounts
As Low As; Minimum Amount Financed: $10,000; USED vehicles: Any vehicle that doesn't match NEW vehicle requirements; Lowest advertised rate includes discounts
Without Autopay; 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Without Autopay; 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Without Autopay; 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit; model year 2020 or older contact credit union
- Oct 30, 20265.49%▲ from 5.09%
- Sep 22, 20265.09%first recorded
As Low As; Rates effective October 22, 2026
As Low As; Loan Amount: $5,000+
Qualifications Required: Direct deposit to POLAM FCU account of $1000 per month; As Low As; APR (with discount) as low as; requires direct deposit of $1000 per month; vehicles older than 7 years subject to additional 1% APR
- Oct 23, 20265.74%▼ from 5.99%
- Oct 13, 20265.99%▲ from 5.74%
- Sep 21, 20265.74%first recorded
Discounted APR; Standard APR as low as 6.24%; Maximum Financing: 100% of KBB Retail + tax, lic, GAP; Used vehicles: models up to 11 years old
- Oct 19, 20265.74%▼ from 6.24%
- Oct 9, 20266.24%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Without Autopay; 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026
- Oct 19, 20265.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Rates effective October 22, 2026
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%
Maximum Financing: 80% of Purchase Price; Pre-Owned or Refinance <= 3 Years Auto Secured <= 3 Years; $50.00 CU processing fee required; Rates accurate as of 09/02/24
As Low As; Includes 0.50% APR automatic payment discount; Up to 125% financing available; rates on approved credit; model year 2020 or older contact credit union
- Oct 30, 20265.94%▲ from 5.54%
- Sep 22, 20265.54%first recorded
As Low As; APR As low as* (without discount); vehicles older than 7 years subject to additional 1% APR
- Oct 13, 20265.99%▲ from 5.74%
- Sep 21, 20265.74%first recorded
As Low As; Vehicle up to ten model years old and newer
- Nov 8, 20265.99%▲ from 5.74%
- Oct 13, 20265.74%first recorded
As Low As; Minimum Amount Financed: $15,000; USED vehicles: Any vehicle that doesn't match NEW vehicle requirements; Lowest advertised rate includes discounts
With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Vehicles valued over $20,000 financed up to 84 months; Rates Effective 09/28/2026
As Low As; Minimum $10,000 loan required on terms longer than 60 months; Rates effective October 22, 2026
As Low As; Rate Effective Date: October 1, 2026; Used Vehicles are Models 2-10 Years Prior to Current Year; under 100K Miles
- Oct 15, 20266.00%▲ from 5.50%
- Sep 14, 20265.50%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%
As Low As; Loan Amount: $15,000+
Range of Rates: 6.09% - 18.00% APR
- Oct 29, 20266.09%▲ from 5.99%
- Sep 21, 20265.99%first recorded
As Low As; Over $30,000.00
Without Autopay; 130% RKBB/JDP Advance Policy; Vehicles valued over $20,000 financed up to 84 months; Rates Effective 09/28/2026
As Low As; Rate Effective Date: October 1, 2026; Used Vehicles are Models 2-10 Years Prior to Current Year; under 100K Miles
- Oct 15, 20266.25%▲ from 5.75%
- Sep 14, 20265.75%first recorded
- Sep 21, 20266.25%▲ from 5.49%
- Sep 17, 20265.49%first recorded
- Sep 21, 20266.25%▲ from 5.49%
- Sep 17, 20265.49%first recorded
- Sep 21, 20266.25%▲ from 5.49%
- Sep 17, 20265.49%first recorded
Los Angeles, CA Auto Loan Rate Trends
Compare local Los Angeles, CA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
California new auto rates rose 0.002 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.
Los Angeles, 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 Los Angeles, California
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Los Angeles, California locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in California. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Los Angeles, California high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Los Angeles, California CD rates lock in a guaranteed return until you’re ready to buy
Los Angeles, California Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $571 monthly car payment works out to roughly 16.4% of the median individual income in Los Angeles, 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 Los Angeles, California, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 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 Los Angeles, California. We’ve prefilled the APR with today’s CA new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Los Angeles, California auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Los Angeles, California directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Los Angeles, California. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in CA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Los Angeles, 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 Los Angeles, California
What are auto loan rates in Los Angeles, California today?
How does my credit score affect my car loan rate in Los Angeles, California?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Los Angeles, California?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Los Angeles, California?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Los Angeles, California?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Actors Federal Credit Union: 3.49% (Auto Loan)
- Baxter Credit Union: 3.84% (Auto Loan)
- Los Angeles Federal Credit Union: 3.90% (Automobiles & Trucks)
- Certified Federal Credit Union: 3.99% (New Vehicle Loan)
Los Angeles, California Rates & Resources
