Best Car Loans in California of February 2024

Last Update: September 25, 2023 Car Loans by States and Cities

While it is essential to understand the best practices and regulations for car loans in California, it is equally important to identify the best lenders who specialize in this type of loan. Car loans are handy for those who need quick cash and are willing to use their vehicles as collateral. Most importantly, car loans don’t do credit checks, so anyone can qualify for one.

You can utilize a car loan to purchase a brand-new or previously-owned vehicle, terminate a car lease, or refinance existing auto loans. However, not every bank or credit union will work with borrowers with low credit scores or offer subprime auto loans.

To help you find the best car loans in California for 2024, we have compiled a comprehensive list of lenders offering competitive rates. We’ve researched each lender thoroughly to ensure they meet our financial stability and trustworthiness standards.

We only recommend legit lenders that operate with best practices in mind. We also recommend lenders who offer competitive interest rates, flexible terms and conditions, easy application processes, and quick funding options.

Our Marketplace

ElitePersonalFinance has the largest financial marketplace for car loans in California. It is the best place to compare and find the best loan for you, regardless of your credit score or financial history.

ElitePersonalFinance partners with reliable lenders who provide competitive rates and flexible repayment options.

Whether you have good or bad credit, ElitePersonalFinance will find you the best loan rates and best-suited lenders. All of its partners are vetted to make sure they follow best practices in lending and adhere to the rules and regulations set by California.

Why Trust Our Guides?

We scrutinize over 100 lenders before making a recommendation. We consider customer reviews, the loan terms each lender offers, and other factors like fees and repayment periods. Our team of experts has done their best to ensure you get the best car loans in California for 2024.

We know that getting a car loan can be overwhelming with all the different lenders in the market. That’s why we take the time to weigh all the best deals and options for you. Our team of experienced editors has done their best to provide comprehensive and unbiased reviews so that you make an informed decision.

In addition, our rankings consider customer experience and loan terms, like interest rates and repayment periods. We also ensure our lenders comply with California’s best practices and regulations.

Best Car Loans in California February 2024: Key Findings

CA’s best car loans offer loans between $2,500 and $150,000, with APR rates ranging between 0% and 243.36%. The best loans have flexible repayment periods of up to 85 months.

In addition, the best lenders require a minimum credit score of 560 or higher. Nonetheless, most of these lenders haven’t disclosed their exact credit score requirements.

To qualify for the best car loans in California 2024 for new car purchases or refinancing, you should be 18+ years, have a valid driver’s license and proof of income.

Additionally, you must have documentation of the vehicle’s registration, a clear car with no liens, and a valid auto insurance policy.

Best Car Loans in California of February 2024

Lender:Loan Amount:APR:TermMin. Credit Score:Best For:
Super Money$2,500 – $100,0000% – 243.36%12 – 84 months0Comparing different lenders
Capital OneStarting at $4,000Starting at 2.99%Up to 7 Years560Borrowers buying through Capital One Auto-Navigator
Bank of America$7,500 – $150,000Starting at 4,24%Up to 60 monthsUndisclosedBank of America’s reward members
Lightstream$5,000 – $100,0005.99% – 24.49%24 – 144 months660Used car purchase loan
Pentagon Federal Credit Union$500 -$150,0005.64-11.34%36 – 84 months550Low rates
Loan Center$2,000 – $50,00035.50% – 199.99%Up to 48 monthsUndisclosedSmaller car loans
SouthBay Credit UnionStarting at $2,501+4.49% – 8.99%Up to 85+ monthsUndisclosedLow fees


Loan Amount:$2,500 – $100,000
APR:0% – 243.36%
Min. Credit Score:0
Approval:Same day
Terms:12 – 84 months
  • Loan origination fees range between $100 and $500.