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.

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Filters

Lender
APR
Term
Link
Info
scefcu
4.74 - 15.74 %
5 - 7 Yrs
affinityplus
4.74 %
3 - 7 Yrs
firstent
4.74 - 6.24 %
3 - 7 Yrs
starone
4.75 - 8.75 %
5 - 7 Yrs
noblecu
4.85 - 5.99 %
5 - 7 Yrs
nuvisionfederal
4.89 - 10.14 %
7 Yrs
affinityfcu
4.94 - 6.62 %
3 - 8 Yrs
dupaco
4.99 - 5.39 %
4 - 7 Yrs
skyone
4.99 - 6.99 %
3 - 7 Yrs
1stunitedcu
4.99 - 5.94 %
6 Yrs

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

Credit Union Loan Rates - Trends & Analysis:

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.

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. Star One's auto loans with APRs ranging from 4.75% to 8.75% , and motorcycle loans from 7.7% to 11.7% . These rates have shown no change compared to 7 and 30 days ago. Recreational loans also have rates between 7.7% and 11.7% , remaining steady over the past 60 days. Noble's auto loans with APRs ranging from 4.85% to 6.49% , showing no change from 7 or 30 days ago. Recreational loans have rates between 7.4% and 10.15% , which have also stayed the same over the past 7 and 30 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. 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. Dupaco Community's auto loans with APRs ranging from 4.99% to 8.39% and recreational loans from 7.09% to 10.04% . Unchanged compared to 7 and 30 days ago. Both loan types have steady rates across all recent periods.

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. 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.

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