Vehicle Loans in Escondido, CA

If you’re shopping for a used car in Escondido, knowing the average payment helps you budget smarter. Local lenders offer competitive rates tailored to our community, making it easier to find a loan that fits your wallet.

Compare offers from trusted banks and credit unions right here in Escondido, CA. With fast approvals and friendly service, you’ll get the best deal and drive away confident in your choice.

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Lender
APR
Term
Link
Info
dcu
4.99 - 10.74 %
3 - 10 Yrs
chevronfcu
4.99 - 5.64 %
1 - 7 Yrs
sesloc
4.99 - 15.19 %
5.1 - 7 Yrs
safe1
4.99 - 14.99 %
5.5 - 7 Yrs
americafirst
4.99 - 7.74 %
5 - 8 Yrs
sierracentral
4.99 - 14.99 %
firsttechfed
4.99 - 6.99 %
5.4 - 7 Yrs
meriwest
4.99 - 7.59 %
1 - 8 Yrs
figfcu
4.99 - 7.49 %
3 - 8 Yrs
vccuonline
5.04 - 8.99 %
5 Yrs

Today’s Vehicle Loan Rates & Analysis - Updated on 2026-AUG-28

Credit Union Loan Rates - Trends & Analysis:

Digital has vehicle loan rates ranging from 4.99% to 10.74% for auto loans and 6.25% to 11.35% for motorcycle loans. These rates have shown no change compared to 7 and 30 days ago. Recreational loan rates also remain steady between 8.99% and 11.35% . Chevron's auto loan rates range from 4.99% to 6.29% APR today. These rates are down compared to 7 and 30 days ago, and also lower than 60 and 90 days ago. Sesloc's auto loan rates range from 4.99% to 16% APR today, with no change from 7 or 30 days ago but down from 60 days ago. Recreational loan rates are between 8.05% and 15.7% APR, showing no change over the past 7 and 30 days.

Safe 1's auto loans with APRs ranging from 4.99% to 15.24% , which are unchanged from 7 and 30 days ago but up from 30 days ago. Motorcycle loans have rates between 6.24% and 19.74% , showing no change over the past 7 and 30 days. America First's auto loans with APRs ranging from 4.99% to 7.74% , showing no change from 7 or 30 days ago. Recreational vehicle loans have rates between 7.49% and 7.89% , which are also unchanged from a week and a month earlier.

Sierra Central's auto loan rates range from 4.99% to 14.99% APR, which is up slightly from 7 and 30 days ago. Motorcycle loans have rates between 9.99% and 15.99% APR with no change in the past 30 days. Recreational loans range from 7.99% to 16.49% APR and have also stayed the same over the last month. First Technology's auto loans with APRs ranging from 4.99% to 6.99% , which are unchanged from 7 and 30 days ago but down from 30 days ago. Motorcycle loans have rates between 6.74% and 7.24% , showing no change over the past 90 days. Recreational loans range from 7.29% to 8.54% , also with no change in recent months.

Meriwest's auto loan rates range from 4.99% to 7.59% APR today. unchanged from 7 and 30 days ago but down from 30 days ago. Farmers Insurance's auto loans with APRs ranging from 4.99% to 7.49% , which have stayed the same over the past 7 and 30 days. Recreational loans have rates between 6.99% and 9.49% , also showing no change in the last 7 and 30 days. Both loan types had lower maximum rates 60 days ago. Ventura County's auto loans with rates from 5.04% to 8.99% APR, which have not changed in the past 7 or 30 days. Motorcycle loans range from 7.24% to 7.99% APR and remain steady compared to a week ago. Recreational loans have rates between 7% and 7.5% APR, showing no change in the last 7 days.

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