Auto Loans · Los Angeles, California
14 credit unions in Los Angeles report car loan rates to the NCUA. Rates range from 3.49% to 8.49%.
Updated Q1 2026 · NCUA Call Report data
14
CUs Reporting Rates
3.49%
Lowest New Car Rate
5.47%
City Average Rate
14 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MARYKNOLL OF L A ★ 3.8 · 40 reviews | 3.49% | 4.49% |
| 2 | LOS ANGELES LEE | 3.99% | 3.99% |
| 3 | UNIVERSITY ★ 2.9 · 123 reviews | 3.99% | 5.99% |
| 4 | L.A. HEALTHCARE ★ 4.3 · 6 reviews | 4.90% | 7.98% |
| 5 | POLAM ★ 4.7 · 18 reviews | 4.99% | 5.49% |
| 6 | EPISCOPAL COMMUNITY ★ 4.5 · 4 reviews | 5.24% | 5.99% |
| 7 | USC ★ 4.2 · 209 reviews | 5.44% | 5.44% |
| 8 | WATER AND POWER COMMUNITY ★ 3.6 · 62 reviews | 5.49% | 6.24% |
| 9 | FIREFIGHTERS FIRST ★ 3.6 · 20 reviews | 5.74% | 4.74% |
| 10 | CAL STATE L.A. ★ 4.3 · 41 reviews | 5.76% | 7.22% |
| 11 | JACOM ★ 2.9 · 53 reviews | 5.90% | 5.90% |
| 12 | AEROSPACE ★ 4.2 · 43 reviews | 6.05% | 6.35% |
| 13 | FOX ★ 3.7 · 7 reviews | 7.04% | 5.99% |
| 14 | HANIN ★ 2.2 · 17 reviews | 8.49% | 7.74% |
14 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | LOS ANGELES LEE | 3.99% | 3.99% |
| 2 | MARYKNOLL OF L A ★ 3.8 · 40 reviews | 4.49% | 3.49% |
| 3 | FIREFIGHTERS FIRST ★ 3.6 · 20 reviews | 4.74% | 5.74% |
| 4 | USC ★ 4.2 · 209 reviews | 5.44% | 5.44% |
| 5 | POLAM ★ 4.7 · 18 reviews | 5.49% | 4.99% |
| 6 | JACOM ★ 2.9 · 53 reviews | 5.90% | 5.90% |
| 7 | UNIVERSITY ★ 2.9 · 123 reviews | 5.99% | 3.99% |
| 8 | EPISCOPAL COMMUNITY ★ 4.5 · 4 reviews | 5.99% | 5.24% |
| 9 | FOX ★ 3.7 · 7 reviews | 5.99% | 7.04% |
| 10 | WATER AND POWER COMMUNITY ★ 3.6 · 62 reviews | 6.24% | 5.49% |
| 11 | AEROSPACE ★ 4.2 · 43 reviews | 6.35% | 6.05% |
| 12 | CAL STATE L.A. ★ 4.3 · 41 reviews | 7.22% | 5.76% |
| 13 | HANIN ★ 2.2 · 17 reviews | 7.74% | 8.49% |
| 14 | L.A. HEALTHCARE ★ 4.3 · 6 reviews | 7.98% | 4.90% |
A pre-approval from a Los Angeles 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 Los Angeles in the same window and take the best offer.
See member reviews, branch locations, and full rate details.