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
skyone
4.99 - 6.99 %
3 - 7 Yrs
skylacu
4.99 - 6.99 %
4.1 - 7 Yrs
sierracentral
4.99 - 14.99 %
vccuonline
5.04 - 8.99 %
5 Yrs
nuvisionfederal
5.09 - 10.34 %
7 Yrs
lbsfcu
5.19 - 18 %
3 - 7 Yrs
affinityfcu
5.2 - 7.55 %
3 - 7 Yrs
safe1
5.24 - 15.24 %
5.5 - 7 Yrs
bayfed
5.24 - 6.24 %
4 - 7 Yrs
meriwest
5.24 - 7.59 %
1 - 7 Yrs

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

Credit Union Loan Rates - Trends & Analysis:

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. Skyla's auto loans with APRs ranging from 3.99% to 6.99% , which are unchanged from 7 and 30 days ago but down from 60 days ago. Recreational loan rates range from 6.75% to 9.75% , staying steady compared to 7 and 30 days ago but up from 60 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. 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.

Nuvision's auto loan rates range from 4.89% to 10.34% APR with no change over the past 7 and 30 days. Motorcycle loans have rates between 6.49% and 15.69% APR, also showing no change. Recreational loan rates are from 5.99% to 18% APR, which is down from 7.99% to 18% thirty days ago. Lbs Financial's auto loans with APRs ranging from 4.74% to 18% , and motorcycle loans from 7.64% to 18% . Unchanged in the past 7 or 30 days. Recreational vehicle loans are also available with APRs between 7.45% and 18% , showing no change over the same periods.

Affinity's auto loan rates range from 4.94% to 7.55% APR today. These rates are unchanged from 7 and 30 days ago but are down from 60 and 90 days ago. 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. Bay vehicle loan rates for autos range from 5.24% to 6.24% APR today, with no change from 7 or 30 days ago. Motorcycle loan rates are between 6.24% and 7.24% APR, also showing no change from the past 7 and 30 days.

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.

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