Compare Bank & Credit Union Rates
Best auto loan rates in Milwaukie, OR
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 19 in Clackamas County, OR · median 5.49% APR
- First Tech Federal Credit UnionNew Auto Loan - 2025 and Newer Models · up to 65 months
Credit union · 1 branch
4.99%APRas low asTerms
Rate as low as 4.99% APR for 65 months term with loan amount $1,000 to $300,000.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 13.35%
4.99% APR, up to 13.35%
Terms
Fixed rate loan with terms up to 60 months. Quoted rates do not include rate reduction for SmartWay vehicle designation. Rate discounts only offered on fixed rate loans. Vehicles over 10 model years old subject to additional 0.50% APR.
Auto loan score 83 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - OnPoint Community Credit Union2023 & Newer Auto Loans (Cars, trucks & vans) · 36–60 months
Credit union · 8 branches
4.99%APRas low as · up to 9.44%4.99% APR, up to 9.44%
Auto loan score 82 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 17.99%
5.24% APR, up to 17.99%
Terms
Model year 2018 and Newer. Subject to a $50 Loan Processing Fee. Ineligible collateral: salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 150,000 miles.
Auto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 15.79%
5.24% APR, up to 15.79%
Terms
Repayment period 37-60 months; minimum loan amount $5,000.
Auto loan score 77 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - Ukrainian Federal Credit UnionNew Auto Loan (vehicle year 2025 - 2026) · up to 60 months
Credit union · 1 branch
5.25%APRas low as · up to 6.25%with conditions5.25% APR, up to 6.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 5 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit.
Auto loan score 73 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Auto loan score 70 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.44%
5.34% APR, up to 20.44%
Terms
Model year 2022 & Newer. Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history. Payment schedule up to 60 months. Monthly payment per $1,000 borrowed: $19.07 - $26.97.
Auto loan score 76 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.41%APRas low as · up to 18.00%
5.41% APR, up to 18.00%
Terms
Fixed rate. 60 Months term. 2022 & Newer: 5.41% - 18.00%; 2017-2021: 5.91% - 18.00%; 2016 & Older: 6.41% - 18.00%.
Auto loan score 75 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Featured rate as low as 5.49% APR for New Auto Loans. Rates good as of October 1, 2026.
Auto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Minimum loan amount $15,000. Rates and terms dependent on creditworthiness.
Auto loan score 70 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Auto Loan Promotion. Fixed rate/term. No prepayment penalties. Financing available for pre-owned or new vehicles. Fast application process. No payments due for 90 days. Application fee of $25.
Auto loan score 68 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.05%APRas low as · up to 16.47%with conditions
6.05% APR, up to 16.47%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Term: 60 Months
Auto loan score 63 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 6.21%APRas low as · up to 8.18%with conditions
6.21% APR, up to 8.18%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Automobile for private use no more than 12 months old. APR reflects a 0.25% discount for auto pay from a Bank of the Pacific account. Credit score, loan terms, maximum and minimum loan amounts may affect rates. $100 loan fee and $35 document preparation fee apply.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Clackamas County, OR
19 banks and credit unions · checked Oct 15–22
- Typical
- 5.49%
- Top 10% up to
- 4.99%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.32%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Portland, OR-WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ironworkers USA Credit UnionCredit union · 1 branch
- Rivermark Community Credit UnionCredit union · 18 branches
- Ukrainian Federal Credit UnionCredit union · 2 branches