Auto Loans · Gardena, California
2 credit unions in Gardena report car loan rates to the NCUA. Rates range from 4.74% to 5.50%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
4.74%
Lowest New Car Rate
5.12%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NORTHROP GRUMMAN ★ 3.5 · 59 reviews | 4.74% | 5.09% |
| 2 | NIKKEI ★ 4.7 · 62 reviews | 5.50% | 7.00% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NORTHROP GRUMMAN ★ 3.5 · 59 reviews | 5.09% | 4.74% |
| 2 | NIKKEI ★ 4.7 · 62 reviews | 7.00% | 5.50% |
A pre-approval from a Gardena 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 Gardena in the same window and take the best offer.
See member reviews, branch locations, and full rate details.