Vehicle Loans in Merced, CA

Looking for the best vehicle loan interest rates in Merced, CA? Compare offers from trusted local lenders to find flexible terms and low rates that fit your budget. Whether new or used, your next car is closer than you think.

Start your journey with quick, easy approvals from lenders who understand Merced’s community. Save money and drive away happy with personalized service and rates designed to help you succeed.

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Lender
APR
Term
Link
Info
dupaco
4.99 - 5.39 %
4 - 7 Yrs
dcu
4.99 - 10.74 %
3 - 10 Yrs
golden1
4.99 %
firsttechfed
4.99 - 6.99 %
5.4 - 7 Yrs
1stunitedcu
4.99 - 5.94 %
6 Yrs
figfcu
4.99 - 7.49 %
3 - 8 Yrs
skyone
4.99 - 6.99 %
3 - 7 Yrs
sierracentral
4.99 - 14.99 %
chevronfcu
4.99 - 5.64 %
1 - 7 Yrs
americafirst
4.99 - 7.74 %
5 - 8 Yrs

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

Credit Union Loan Rates - Trends & Analysis:

Dupaco Community has auto loan rates ranging from 4.99% to 8.39% APR, with no change over the past 7, 30, or 90 days. Recreational vehicle loans range from 7.09% to 10.04% APR and have also stayed the same compared to 7, 30, 60, and 90 days ago. Digital's vehicle loans with rates ranging from 4.99% to 10.74% APR for auto loans and 6.25% to 11.35% APR for motorcycle loans. These rates have shown no change compared to 7 and 30 days ago. Recreational loan rates also remain steady at 8.99% to 11.35% APR.

The Golden 1's auto loans with APRs ranging from 4.99% to 5.24% , which have not changed in the past 7 or 30 days. Motorcycle loans have rates between 7.24% and 8.5% , also showing no change over the same periods. Recreational vehicle loans range from 7.24% to 9.25% , with rates steady compared to 7 and 30 days ago. 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.

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. 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.

Skyone's auto loans with APRs ranging from 4.99% to 6.99% , showing no change over the past 90 days. Motorcycle loans have rates between 7.74% and 8.49% , also with no change in the last 60 days. Recreational loans range from 7.99% to 9.99% , with rates up slightly compared to 7 and 30 days ago. 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.

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. 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.

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