Vehicle Loans in Modesto, CA

Looking for cheap car finance deals in Modesto, CA? Compare offers from local lenders to find low rates and flexible terms that fit your budget. Whether you’re buying new or used, quick approvals mean you’ll be driving sooner without the stress.

Modesto residents trust nearby credit unions and banks to provide affordable loans with personalized service. Take a moment to explore your options and secure a vehicle loan designed to support your financial goals right here in our community.

NewUsed

Filters

Lender
APR
Term
Link
Info
safecu
4.69 %
7.5 Yrs
alturacu
4.69 %
5 Yrs
nasafcu
4.69 - 6.99 %
3.1 - 7 Yrs
jfcu
4.69 - 7.09 %
3 - 7 Yrs
partnersfcu
4.74 - 6.49 %
3 - 7 Yrs
pacificservice
4.74 - 15.99 %
7 Yrs
orangecountyscu
4.74 - 13.99 %
4 - 6 Yrs
scefcu
4.74 - 14.24 %
5 - 6 Yrs
affinityplus
4.74 - 6.24 %
3 - 7 Yrs
starone
4.75 - 8.75 %
5 - 7 Yrs

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

Credit Union Loan Rates - Trends & Analysis:

Safe has an auto loan rate of 4.69% APR today. This rate is down from 7 days ago and the same as 30, 60, and 90 days ago. Altura's auto loan rates range from 4.29% to 4.69% APR today, which is down from 7 and 30 days ago. Recreational loan rates are between 7.75% and 10.25% APR and have not changed in the past 7 or 30 days. Nasa's auto loan rates range from 4.69% to 6.99% APR today, with no change from 7 days ago but up from 30 days ago. Recreational loan rates are between 5.79% and 8.74% APR, also unchanged from 7 and 30 days ago and up compared to 30 and 90 days ago.

Justice has auto loan rates ranging from 4.69% to 7.89% APR, with no change from 7 or 30 days ago. Motorcycle loans start at 4.69% and go up to 7.09% , also showing no change over the past month. Recreational vehicle loans range from 6.84% to 7.94% APR and have stayed steady compared to 7 and 30 days earlier. Partners has auto loan rates ranging from 4.49% to 6.49% APR, with no change over the past 7, 30, or 60 days. Motorcycle loans are at 7.99% APR and have stayed the same during that time.

Pacific Service vehicle loans range from 4.24% to 15.99% for auto loans, which is down from 7 and 30 days ago. Motorcycle loans remain steady at 7.54% to 17.99% , and recreational loans also show no change with rates between 7.24% and 13.59% . Orange County'S vehicle loans have an APR range from 4.49% to 14.64% today. The rates are unchanged from 7, 30, and 60 days ago but are down compared to 90 days ago. This applies to their auto loans. Rize's auto loan rates range from 4.74% to 15.74% APR today, with no change from 90 days ago. Motorcycle loans have rates between 6.24% and 17.24% APR, also showing no change from 90 days ago. Recreational loan rates start at 6.24% APR and go up to 16.24% .

Affinity Plus has auto loans with APRs ranging from 4.74% to 6.24% and motorcycle loans from 4.74% to 7.24% . Unchanged in the past 7 or 60 days. Recreational loans range from 5.49% to 8.24% , also showing no change over the same periods. Star One's vehicle loans with rates ranging from 4.75% to 8.75% APR for auto loans and 7.7% to 11.7% APR for motorcycle loans. These rates have shown no change compared to 7 and 30 days ago. The same stable rates apply to other recreational and vehicle types.

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