Auto Loans · Downey, California
3 credit unions in Downey report car loan rates to the NCUA. Rates range from 5.23% to 5.99%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
5.23%
Lowest New Car Rate
5.68%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | DOWNEY ★ 3.9 · 97 reviews | 5.23% | 6.39% |
| 2 | FINANCIAL PARTNERS ★ 3.8 · 155 reviews | 5.82% | 7.59% |
| 3 | RANCHO ★ 2.7 · 20 reviews | 5.99% | 5.99% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | RANCHO ★ 2.7 · 20 reviews | 5.99% | 5.99% |
| 2 | DOWNEY ★ 3.9 · 97 reviews | 6.39% | 5.23% |
| 3 | FINANCIAL PARTNERS ★ 3.8 · 155 reviews | 7.59% | 5.82% |
A pre-approval from a Downey credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Downey in the same window and take the best offer.
See member reviews, branch locations, and full rate details.