Vehicle Loans in Santa Clara, CA

Finding the average APR for a used car loan in Santa Clara, CA doesn’t have to be confusing. Compare local loan offers easily to find rates that fit your budget and get you behind the wheel sooner.

Santa Clara drivers deserve clear, simple options when financing a vehicle. Explore competitive APRs from trusted lenders nearby and choose the best plan that supports your needs and keeps your payments manageable.

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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.

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If you’re searching for the average APR for a used car loan in Santa Clara, CA, it pays to keep exploring your options. LendMesh lets you compare offers from multiple lenders easily, helping you uncover better deals and potentially lower rates. Taking a little extra time to shop around can make a big difference in your monthly payments and overall loan cost.

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