Bank · FDIC insured
Washington Trust Bank Auto Loan Rates
Washington Trust Bank auto loans start at 5.75% APR for a new vehicle and 5.75% for a used one. Rates checked October 22, 2026.
How Washington Trust Bank’s auto loan rates compare
Compared with banks and credit unions near Spokane, WA, where Washington Trust Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Washington Trust Bank
5.75%APR
- Terms
- 48–72 months
- Up to
- —
Auto Loans
Lowest rate
Responders Emergency Services Credit Union
3.99%APR
- Terms
- up to 72 months
- Up to
- —
2nd-lowest rate
Ironworkers USA Credit Union
4.24%APR
- Terms
- 36–84 months
- Up to
- 18.00% APR
Washington Trust Bank auto loan score
68
Auto loan score
Higher than 23% of U.S. banks and credit unions
- New vehicleNew5.75%
- Used vehicleUsed5.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Washington Trust Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
All loans are subject to credit approval. Loan terms up to 84 months available, dependent upon loan amount approved. Rates vary by loan term. Rates, terms, and conditions are subject to change. WTB will lend up to 100% based on lesser of the value or purchase price. Covers new or used vehicles for dealer and private party purchases. No prepayment penalty.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.50% | — |
| 48–72 months | 5.75% | — |
| up to 84 months | 6.00% | Loan terms up to 84 months available, dependent upon loan amount approved. |
Sources (1)
- watrust.com/personal/lending/auto-loans · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.