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 46–55 of 55 in Oregon · median 5.24% APR
- 5.99%APRas low as
Terms
Fixed APR as low as stated rate. Rates reflect the lowest rate offered and depend on applicant's creditworthiness and other underwriting factors.
Auto loan score 66 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 29.98%
5.99% APR, up to 29.98%
Terms
Rates range from 5.99% to 29.98%. Actual APR is based on year of collateral, loan to value, loan length, credit profile, market area and loan amount. Example: on an auto loan for $10,000 at 5.99% for 60 months, 60 payments of $193.28.
Auto loan score 66 · Carrot Score 82
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 - Rivermark Community Credit UnionAuto Loans: 2022 and Newer · up to 76 months
Credit union · 19 branches
6.24%APRas low as · up to 16.49%6.24% APR, up to 16.49%
Terms
Term up to 76 months. Monthly payment is $15.96 - $21.15 per $1,000 borrowed.
Auto loan score 65 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.53%APRas low as · up to 12.70%
6.53% APR, up to 12.70%
Terms
Term Minimum APR 6.53% (rate 6.44%) based on $35,000 loan amount, 60-month term, new vehicle, and excellent credit. Term Maximum APR 12.70% (rate 10.59%) based on $2,500 loan amount, 36-month term, new vehicle, and lowest acceptable credit score. 0.50% autopay discount from Zions Bank Gold Account available. $75 loan fee applies.
Auto loan score 63 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - First Federal Savings & Loan AssociationAuto Loan - Model Years 2026-2024 · up to 60 months
Bank · 6 branches
6.74%APRas low as · up to 7.74%with conditions6.74% APR, up to 7.74%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Purchase only. Includes 0.25% autopay discount from a First Federal deposit account. APR range covers credit scores 660 and above (740+ at 6.74%, 700-739 at 7.24%, 660-699 at 7.74%). Monthly payments based on $15,000 loan. Max LTV 100%.
Auto loan score 62 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 8.53%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR starting at 8.53%. Advertised APR includes a 0.50% automatic payment discount from a Columbia Bank account. Loan of up to 100% of invoice amount. Terms between 2 to 7 years based on loan amount and collateral. Fixed interest rate. Collateral: a new auto can be a current model year, immediate past model year or future model year not previously titled. Higher rates may apply based on terms of loan and credit score/history.
Auto loan score 60 · Carrot Score 72
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