Compare Bank & Credit Union Rates
Best auto loan rates in Oregon
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 16–30 of 55 in Oregon · median 5.24% APR
- 4.99%APRas low as
Terms
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.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Vehicle model year 2024 & newer. As low as APR based on creditworthiness.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 18.00%with conditions
4.99% APR, up to 18.00%
This rate needs autopay.
Terms
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+. Rate Adjustments: Loan to Value below 80%: -0.5%, 81%-100%: Base rate, 101% & Above: +0.5%; No Automatic Payment: +0.25%; Mileage above 125,000 miles: +1%; Green Auto: -0.25%. Floor Rate is 2.49%. Value is based on sales price of KBB/MSRP for new, whichever is less. Offer valid through December 31, 2026.
Auto loan score 83 · Carrot Score 80
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 · 52 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 - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate based on 'A' tier credit borrower. Rate is quoted with AutoPay discount; loans without AutoPay are 0.50% higher. Actual APR may differ based on collateral, loan amount, term length, and borrower's credit profile. Example payment: $20,000 Auto Loan at 4.99% APR with a term of 5 years results in 60 monthly payments of $377.33.
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 17.49%with conditions
4.99% APR, up to 17.49%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate includes all available discounts. APR is 0.20% higher without eStatements. Payment example: $20,000 auto loan at 4.99% APR for 72 months results in 72 payments of $322.01.
Auto loan score 75 · Carrot Score 81
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 aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New auto loan rate as low as 5.24% APR.
Auto loan score 79 · Carrot Score 85
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 - 5.24%APRas low as
Terms
Payment example is based on a $15,000 loan ($244.00/month).
Auto loan score 75 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 14.99%with conditions
5.24% APR, up to 14.99%
This rate needs autopay.
Terms
Approved APR will be 0.25% higher without autopay and 0.25% higher without eStatements.
Auto loan score 73 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate applies to the purchase of vehicles seven model years old and newer with terms of 72 months or less. STCU rates assume the primary borrower gets a 0.25% discount for having an STCU credit card in good standing; payments are based on the contract rate before discounts. 100% financing available to qualified borrowers only.
Auto loan score 73 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 17.24%
5.24% APR, up to 17.24%
Terms
Payment example: $17.47 - $23.55 per $1,000. Model years 2020-2026.
Auto loan score 73 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Directly funded loans only.
Auto loan score 69 · Carrot Score 80
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 Oregon
55 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.35%
- Banks, typical
- 6.32%
- Credit unions, typical
- 5.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Oregon
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Valley Credit UnionCredit union · 1 branch
- Sage Credit UnionCredit union · 5 branches
- Ironworkers USA Credit UnionCredit union · 1 branch