Auto Loans · Torrance, California
4 credit unions in Torrance report car loan rates to the NCUA. Rates range from 4.99% to 6.00%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.99%
Lowest New Car Rate
5.64%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | PARISHIONERS ★ 4.2 · 15 reviews | 4.99% | 5.49% |
| 2 | SCHOOLS ★ 3.8 · 43 reviews | 5.67% | 6.57% |
| 3 | HONDA ★ 5.0 · 2 reviews | 5.91% | 6.82% |
| 4 | TORRANCE COMMUNITY ★ 4.3 · 38 reviews | 6.00% | 6.25% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | PARISHIONERS ★ 4.2 · 15 reviews | 5.49% | 4.99% |
| 2 | TORRANCE COMMUNITY ★ 4.3 · 38 reviews | 6.25% | 6.00% |
| 3 | SCHOOLS ★ 3.8 · 43 reviews | 6.57% | 5.67% |
| 4 | HONDA ★ 5.0 · 2 reviews | 6.82% | 5.91% |
A pre-approval from a Torrance 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 Torrance in the same window and take the best offer.
See member reviews, branch locations, and full rate details.