Vehicle Loans in San Luis Obispo, CA

Looking for the best new car finance rates in San Luis Obispo, CA? Compare offers from local lenders to find a loan that fits your budget and gets you driving sooner. It’s quick, simple, and tailored to your needs right here in our community.

Whether you’re buying your first car or upgrading, our trusted lenders provide competitive rates and easy approvals. Start comparing today and enjoy friendly service that understands San Luis Obispo—and helps you save on your next vehicle loan.

NewUsed

Filters

Lender
APR
Term
Link
Info
cusocal
4.89 - 14.14 %
7 Yrs
dcu
4.99 - 10.74 %
3 - 10 Yrs
firsttechfed
4.99 - 6.99 %
5.4 - 7 Yrs
figfcu
4.99 - 7.49 %
3 - 8 Yrs
firstent
4.99 - 6.74 %
3 - 7 Yrs
1stunitedcu
4.99 - 6.19 %
6 Yrs
sdccu
4.99 - 6.29 %
4 - 7 Yrs
altaone
4.99 - 11.49 %
7 Yrs
togethercu
4.99 - 5.99 %
university-credit-union
4.99 - 8.49 %
3 - 7 Yrs

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

Credit Union Loan Rates - Trends & Analysis:

Credit Union Of Southern California's auto loans with APRs ranging from 4.64% to 14.14% , which have not changed in the past 7 or 30 days. Motorcycle loans have rates between 7.24% and 11.49% , and recreational loans range from 7.24% to 12.49% , both showing no change over the same periods. 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% .

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. 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.

First Entertainment's auto loan rates range from 4.74% to 6.74% APR today. These rates are unchanged from 7 and 30 days ago but are higher than they were 60 and 90 days ago. 1St United's auto loans with APRs ranging from 4.99% to 6.19% , which is up from the 7–and 30–day rates. Motorcycle loans have a fixed APR of 9.09% , showing no change over the past 90 days. San Diego County's auto loans with APRs ranging from 4.69% to 6.29% , which have stayed the same over the past 7 and 30 days. Motorcycle loan rates range from 6.39% to 9.89% and have also seen no change in the last week.

Altaone's auto loans with an APR range of 4.49% to 11.49% . These rates have shown no change compared to 7 and 30 days ago, as well as 60 and 90 days ago. Together's auto loans with APRs ranging from 4.64% to 5.99% and motorcycle loans at 8.14% . Unchanged over the past 7, 30, 60, or 90 days. University's auto loans with rates from 4.49% to 8.49% APR, which have stayed the same over the past 7 and 30 days. Motorcycle loan rates range from 10.74% to 12.49% APR and have gone down since 7 and 30 days ago.

🏦 Local Lenders in San Luis Obispo, CA

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in San Luis Obispo County, CA

Compare other loan types in San Luis Obispo, CA

Why compare Vehicle Loans in San Luis Obispo, CA on LendMesh

If you’re searching for new car finance rates in San Luis Obispo, CA, take your time to compare offers on LendMesh. Browsing multiple lenders helps you uncover better deals and more affordable options that fit your budget. With a variety of trusted banks and credit unions in one place, you can feel confident you’re making a smart choice for your next vehicle loan.

Subscribe to LendMesh to get personalized alerts tailored to your ideal rate—whether that’s 4%, 5%, or another target. We’ll notify you as soon as offers drop below your threshold, plus send weekly or monthly updates with expert insights, rate trends, and carefully selected loan deals. Join thousands of San Luis Obispo borrowers staying informed and ready to seize the best financing opportunities.

Customers are also interested in:

New Car Finance Rates