Auto Loans · Fontana, California
2 credit unions in Fontana report car loan rates to the NCUA. Rates range from 2.74% to 5.95%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
2.74%
Lowest New Car Rate
4.35%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FONTANA ★ 3.3 · 23 reviews | 2.74% | 3.74% |
| 2 | INLAND VALLEY ★ 3.1 · 66 reviews | 5.95% | 6.44% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FONTANA ★ 3.3 · 23 reviews | 3.74% | 2.74% |
| 2 | INLAND VALLEY ★ 3.1 · 66 reviews | 6.44% | 5.95% |
A pre-approval from a Fontana 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 Fontana in the same window and take the best offer.
See member reviews, branch locations, and full rate details.