San Diego, California Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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San Diego, California auto loan rates range from 3.00% to 10.00% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in San Diego, California include Certified Federal Credit UnionCertified Federal Credit Union3550 Murphy Canyon Rd, San Diego, CA, 92123A+5.0 ★Texas Ratio: 1.07%Rate verified Nov 7, 2026 offering New Vehicle Loan at 3.99%, Navy Federal Credit UnionNavy Federal Credit Union4365 Imperial Ave, San Diego, CA, 92113A5.0 ★Texas Ratio: 8.14%Rate verified Nov 5, 2026 offering MissionAssistTM Auto - New Auto Loan at 4.19%, San Diego Firefighters Federal Credit UnionSan Diego Firefighters Federal Credit Union4926 La Cuenta Dr, San Diego, CA, 92124 2609A+5.0 ★Texas Ratio: 1.33%Rate verified Nov 7, 2026 offering Auto Loan - Model Years 2021 and Newer at 4.19%, Cabrillo Credit UnionCabrillo Credit Union880 Front St Ste 2295, San Diego, CA, 92101 8895A5.0 ★Texas Ratio: 6.52%Rate verified Nov 9, 2026 offering Auto Loan - New (2022 and newer) at 4.54%, SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union2431 Fenton Pkwy, San Diego, CA, 92108A+5.0 ★Texas Ratio: 5.56%Rate verified Nov 7, 2026 offering New Auto Loan at 4.69%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
San Diego has 14 local institutions in our database, with auto loan rates as low as 3.99% APR from Certified Federal Credit Union at 3550 Murphy Canyon Rd, San Diego, CA, 92123. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in San Diego, California. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in San Diego, California & Surrounding Area
San Diego Auto Loan Rates
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; 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
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; 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
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 Years 2021 and Newer; UP TO 120%
Model Years 2016-2020; APR* As Low As; up to 110% LTV
Model Year: New (2022 and newer); Fixed APR for top-tier credit; includes 0.25% direct deposit discount; Contact us for details on older models
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; 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
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; 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; 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%; Minimum loan amount $12,000
Model Years 2016-2020; APR* As Low As; up to 110% LTV
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: 2022 and newer
As Low As; Model Year: 2022 and newer
As Low As; Model Year: 2022 and newer
As Low As; Model Years 2021 and Newer; UP TO 120%; Minimum loan amount $30,000 for 79-84-month term
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 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; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
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; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Model Year: 2022 and newer
As Low As; Model Year: 2022 and newer
As Low As; Loan Amount (min/max): $1,000 / $300,000
As Low As; Loan Amount (min/max): $1,000 / $300,000
Range of Rates: 5.29% - 18.00% APR
- Oct 29, 20265.29%▲ from 5.19%
- Sep 21, 20265.19%first recorded
As Low As; Maximum Loan Amount: Up to 125% of Dealer MSRP or Retail Kelly Blue Book for purchase, or up to 130% Retail Kelly Blue Book for refinance
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; Actual rate may vary depending on credit history, loan term, and equity in vehicle
Model Year: Used (2015-2021); Fixed APR for top-tier credit; includes 0.25% direct deposit discount; Contact us for details on older models
As Low As; Maximum Loan Amount: Up to 125% of Dealer MSRP or Retail Kelly Blue Book for purchase, or up to 130% Retail Kelly Blue Book for refinance
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 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; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
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; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 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; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Loan Amount (min/max): $5,000 / $300,000
As Low As; Loan Amount (min/max): $5,000 / $300,000
Range of Rates: 5.74% - 18.00% APR
- Oct 29, 20265.74%▲ from 5.69%
- Sep 21, 20265.69%first recorded
As Low As; Actual rate may vary depending on credit history, loan term, and equity in vehicle
As Low As; Model Year: 2021-2023 & 2024 - less than $15K; Actual rate may vary depending on credit history, loan term, and equity in vehicle
As Low As; Model Year: 2019-2020; Actual rate may vary depending on credit history, loan term, and equity in vehicle
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
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
Model Year: New (2022 and newer); Fixed APR for top-tier credit; includes 0.25% direct deposit discount; Contact us for details on older models
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%
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%
Range of Rates: 6.09% - 18.00% APR
- Oct 29, 20266.09%▲ from 5.99%
- Sep 21, 20265.99%first recorded
As Low As; Model Year: 2022 and newer
As Low As; Standard APR
- Nov 3, 20266.24%▲ from 5.99%
- Oct 26, 20265.99%first recorded
As Low As; Discounted APR (requires auto pay discount)
- Nov 3, 20266.24%▼ from 6.74%
- Oct 26, 20266.74%first recorded
As Low As; Model Year: 2019 - 2022
- Nov 3, 20266.24%▲ from 5.99%
- Oct 26, 20265.99%first recorded
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; 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; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Maximum Loan Amount: Up to 125% of Dealer MSRP or Retail Kelly Blue Book for purchase, or up to 130% Retail Kelly Blue Book for refinance
- Oct 20, 20266.30%▲ from 6.05%
- Sep 18, 20266.05%first recorded
As Low As; Actual rate may vary depending on credit history, loan term, and equity in vehicle
As Low As; Standard APR
- Nov 3, 20266.49%▲ from 6.24%
- Oct 26, 20266.24%first recorded
As Low As; Model Year: 2019 - 2022
- Nov 3, 20266.49%▲ from 6.24%
- Oct 26, 20266.24%first recorded
As Low As; Maximum Loan Amount: Up to 125% of Dealer MSRP or Retail Kelly Blue Book for purchase, or up to 130% Retail Kelly Blue Book for refinance
As Low As; Maximum Loan Amount: Up to 125% of Dealer MSRP or Retail Kelly Blue Book for purchase, or up to 130% Retail Kelly Blue Book for refinance
- Oct 20, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%first recorded
As Low As; Model Year: 2017 - 2021
As Low As; Model Year: 2017 - 2021
As Low As; Model Year: 2017 - 2021
As Low As; Standard APR
- Nov 3, 20266.99%▲ from 6.74%
- Oct 26, 20266.74%first recorded
As Low As; Discounted APR (requires auto pay discount)
- Nov 3, 20266.99%▼ from 7.49%
- Oct 26, 20267.49%first recorded
As Low As; Model Year: 2021 or older
As Low As; Model Year: 2021 or older
As Low As; Model Year: 2017 - 2021
As Low As; Loan Amount (min/max): $20,000 / $300,000
As Low As; Loan Amount (min/max): $20,000 / $300,000
Published APR range: 7.25% to 13.25%.
- Oct 22, 20267.25%▲ from 6.50%
- Sep 14, 20266.50%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 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; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Maximum Loan Amount: Up to 125% of Dealer MSRP or Retail Kelly Blue Book for purchase, or up to 130% Retail Kelly Blue Book for refinance
- Oct 20, 20267.50%▲ from 7.25%
- Sep 18, 20267.25%first recorded
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); Rates as of Nov 05, 2026 ET
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); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
As Low As; Model Year: 2018 or older; Actual rate may vary depending on credit history, loan term, and equity in vehicle
As Low As; Standard APR
- Nov 3, 20267.74%▲ from 7.49%
- Oct 26, 20267.49%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; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $30,000 minimum amount financed
Published APR range: 10.00% to 16.00%.
- Oct 22, 202610.00%▲ from 7.25%
- Sep 14, 20267.25%first recorded
Year: 2026-2027; Minimum APR: 3.00%; Maximum APR: 12.50%
- Oct 9, 20263.00%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Year: 2026-2027; Minimum APR: 3.25%; Maximum APR: 12.75%
- Oct 9, 20263.25%▼ from 3.75%
- Sep 14, 20263.75%first recorded
LBFCU will finance up to 90% of purchase price without payroll deduction or file transfer, up to 100% with payroll deduction or file transfer; Monthly payment per $1,000 borrowed: $29.20
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
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; 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
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+
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
APR range: 4.24% - 15.99%; New auto rate applies to vehicles with less than 7,500 miles, not previously registered, in the current or previous model year
As Low As; 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
San Diego New Auto Auto Loan Rates
Rates effective as of January 20, 2025; Advertised rates based on Premier FICO score of 750+
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%
As Low As; Model Years 2021 and Newer; UP TO 120%
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
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 Years 2021 and Newer; UP TO 120%
Model Year: New (2022 and newer); Fixed APR for top-tier credit; includes 0.25% direct deposit discount; Contact us for details on older models
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; 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
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; 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; 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%; Minimum loan amount $12,000
Rates effective as of January 20, 2025; Advertised rates based on Premier FICO score of 750+
As Low As; Model Year: 2022 and newer
As Low As; Model Year: 2022 and newer
As Low As; Model Year: 2022 and newer
As Low As; Model Years 2021 and Newer; UP TO 120%; Minimum loan amount $30,000 for 79-84-month term
Range of Rates: 5.09% - 18.00% APR
- Oct 29, 20265.09%▲ from 4.99%
- Sep 21, 20264.99%first recorded
As Low As; Model Year: 2022 and newer
As Low As; Model Year: 2022 and newer
As Low As; Loan Amount (min/max): $1,000 / $300,000
As Low As; Maximum Loan Amount: Up to 125% of Dealer MSRP or Retail Kelly Blue Book for purchase, or up to 130% Retail Kelly Blue Book for refinance
Rates effective as of January 20, 2025; Advertised rates based on Premier FICO score of 750+
As Low As; Actual rate may vary depending on credit history, loan term, and equity in vehicle
As Low As; Maximum Loan Amount: Up to 125% of Dealer MSRP or Retail Kelly Blue Book for purchase, or up to 130% Retail Kelly Blue Book for refinance
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 (min/max): $5,000 / $300,000
Range of Rates: 5.74% - 18.00% APR
- Oct 29, 20265.74%▲ from 5.69%
- Sep 21, 20265.69%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
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
Model Year: New (2022 and newer); Fixed APR for top-tier credit; includes 0.25% direct deposit discount; Contact us for details on older models
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; Model Year: 2022 and newer
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; 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; Actual rate may vary depending on credit history, loan term, and equity in vehicle
As Low As; Maximum Loan Amount: Up to 125% of Dealer MSRP or Retail Kelly Blue Book for purchase, or up to 130% Retail Kelly Blue Book for refinance
As Low As; Loan Amount (min/max): $20,000 / $300,000
Published APR range: 7.25% to 13.25%.
- Oct 22, 20267.25%▲ from 6.50%
- Sep 14, 20266.50%first recorded
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); Rates as of Nov 05, 2026 ET
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); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
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
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
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: 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
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
APR range: 4.24% - 15.99%; New auto rate applies to vehicles with less than 7,500 miles, not previously registered, in the current or previous model year
As Low As; 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
San Diego Used Auto Auto Loan Rates
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; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 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; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
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; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Loan Amount (min/max): $1,000 / $300,000
Range of Rates: 5.29% - 18.00% APR
- Oct 29, 20265.29%▲ from 5.19%
- Sep 21, 20265.19%first recorded
Rates effective as of January 20, 2025; Advertised rates based on Premier FICO score of 750+
Model Year: Used (2015-2021); Fixed APR for top-tier credit; includes 0.25% direct deposit discount; Contact us for details on older models
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 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; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 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; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Loan Amount (min/max): $5,000 / $300,000
As Low As; Actual rate may vary depending on credit history, loan term, and equity in vehicle
As Low As; Model Year: 2021-2023 & 2024 - less than $15K; Actual rate may vary depending on credit history, loan term, and equity in vehicle
As Low As; Model Year: 2019-2020; Actual rate may vary depending on credit history, loan term, and equity in vehicle
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%
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%
Range of Rates: 6.09% - 18.00% APR
- Oct 29, 20266.09%▲ from 5.99%
- Sep 21, 20265.99%first recorded
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Model Year: 2021 or older
As Low As; Model Year: 2021 or older
As Low As; Loan Amount (min/max): $20,000 / $300,000
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 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; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Model Year: 2018 or older; Actual rate may vary depending on credit history, loan term, and equity in vehicle
Published APR range: 8.00% to 14.00%.
- Oct 22, 20268.00%▲ from 7.25%
- Sep 14, 20267.25%first recorded
Published APR range: 10.00% to 16.00%.
- Oct 22, 202610.00%▲ from 7.25%
- Sep 14, 20267.25%first recorded
Model Year: 2025-2015; Maximum APR: 13.00%
- Oct 9, 20263.50%▼ from 4.00%
- Sep 14, 20264.00%first recorded
As Low As; Up to 130% KBB; Rates are .25% higher without automatic payment
Model Year: 2025-2015; Maximum APR: 13.25%
- Oct 9, 20263.75%▼ from 4.25%
- Sep 14, 20264.25%first recorded
As Low As
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%
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: 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
San Diego, CA Auto Loan Rate Trends
Compare local San Diego, 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.
San Diego, 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 San Diego, California
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving San Diego, California locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in California. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a San Diego, California high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: San Diego, California CD rates lock in a guaranteed return until you’re ready to buy
San Diego, 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 12.7% of the median individual income in San Diego, California. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in San Diego, California, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in San Diego, California. We’ve prefilled the APR with today’s CA new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our San Diego, California auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for San Diego, California directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in San Diego, California. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in CA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in San Diego, California
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in San Diego, California
What are auto loan rates in San Diego, California today?
How does my credit score affect my car loan rate in San Diego, California?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in San Diego, California?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in San Diego, California?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in San Diego, California?
- Certified Federal Credit Union: 3.99% (New Vehicle Loan)
- Navy Federal Credit Union: 4.19% (MissionAssistTM Auto - New Auto Loan)
- San Diego Firefighters Federal Credit Union: 4.19% (Auto Loan - Model Years 2021 and Newer)
- Cabrillo Credit Union: 4.54% (Auto Loan - New (2022 and newer))
- SchoolsFirst Federal Credit Union: 4.69% (New Auto Loan)
San Diego, California Rates & Resources
