Credit union · NCUA insured
Gateway Credit Union Auto Loan Rates
Top CarrotGateway Credit Union auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Gateway Credit Union’s auto loan rates compare
Compared with banks and credit unions near Eugene, OR, where Gateway Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Gateway Credit Union
4.99%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Auto Loan
Lowest rate
Pacific Cascade
2.65%APR
- Terms
- —
- Up to
- 16.65% APR
- Discount
- None included
2nd-lowest rate
Emerald Empire Federal Credit Union
4.25%APR
- Terms
- up to 84 months
- Up to
- 14.25% APR
- Discount
- Included in the rate
Gateway Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gateway Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Must be a member to apply (membership processed at same time). APR may vary based on creditworthiness, vehicle type, and loan term. Offer does not apply to loans currently financed at GCU. Zero down. No payments for 30 days.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | Rates as low as / starting at rate. Applies to new and used vehicles. APR may vary based on creditworthiness, vehicle type, and loan term. Offer does not apply to loans currently financed at GCU. Zero down, no payments for 30 days. |
Who can join Gateway Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.