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 31–45 of 55 in Oregon · median 5.24% APR
- 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 - 5.34%APRas low as · up to 18.00%
5.34% APR, up to 18.00%
Terms
Collateral years 2023 & Newer. Up to 60 months.
Auto loan score 75 · Carrot Score 71
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 as
Terms
Vehicle model year 2021-2026; financing 100% MSRP or High KBB.
Auto loan score 73 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 14.69%with conditions
5.49% APR, up to 14.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 100% Financing
Auto loan score 73 · Carrot Score 72
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
Vehicle that is 2024 or newer and with 40,000 or less miles. Maximum term is subject to loan amount and borrower qualifications.
Auto loan score 72 · Carrot Score 68
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 - 5.74%APRas low as · up to 18.00%with conditions
5.74% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
New or used autos; valid for new and used personal vehicles only. Reflects all possible discounts. Rate is fixed.
Auto loan score 66 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 68 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
On approved credit (OAC). Lowest available rate to qualified borrowers; not applicable on internal refinances. Applies to 2017 or newer model year vehicles or vehicles valued at $10,000 or greater. Rate determined by loan type, applicable fees, terms requested, amount financed, and credit history.
Auto loan score 66 · Carrot Score 77
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