Compare Bank & Credit Union Rates
Best auto loan rates in Washington
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 82 in Washington · median 5.34% APR
- 1.99%APRas low as
Auto loan score 87 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - Responders Emergency Services Credit UnionNew & Used Automobiles · up to 72 months
Credit union · 1 branch
3.99%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Special promotional rate for new and used vehicles for 72 months. 7 years or newer model years. Some promotional rates may require payroll direct deposit and automatic transfer from RESCU Checking Account. Rate based on creditworthiness and term. Rates subject to change.
Auto loan score 94 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as · up to 18.00%
4.24% APR, up to 18.00%
Terms
Rates are based on your credit history, credit qualifications, and the term of the loan.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Auto loan score 92 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as · up to 23.99%
4.34% APR, up to 23.99%
Terms
Rate is based on credit history, term of loan, amount financed, and collateral age. Financing includes tax, license, dealer options, warranty, and insurance products subject to credit qualifications. Loan amounts based on JD Power book prices or dealer invoices for new vehicles. Applicable to new and used cars.
Auto loan score 92 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low as · up to 15.04%
4.39% APR, up to 15.04%
Terms
Up to 85% Financing
Auto loan score 91 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit.
Auto loan score 89 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Limited-time promotion ending October 31, 2026. For a 60-month term. Valid on eligible vehicle purchases and refinances from other financial institutions (current OURCU auto loans not eligible). Eligible vehicles must be model year 2020 or newer with fewer than 100,000 miles. Offer cannot be combined with other promotions. Subject to credit approval, membership eligibility, and standard underwriting guidelines. Other restrictions may apply.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 19.99%
4.49% APR, up to 19.99%
Terms
Up to 140% financing; lowest rate shown applies to LTV less than 100%.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 12.74%
4.49% APR, up to 12.74%
Terms
Purchase & Refinance option for new cars. Model year 2024 and newer.
Auto loan score 88 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - Progressions Credit UnionAutos & Trucks (10 Years Old & Newer) · up to 96 months
Credit union · 2 branches
4.49%APRas low as · up to 17.99%with conditions4.49% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2019 Model year or newer. Includes 0.25% autopay and 0.50% direct deposit discounts.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Estimated monthly payment example of $18.65 per $1,000 borrowed for 60 months. Rate assumes discount for automated payments via payroll deduction or transfer.
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Cars & Trucks 2025 & Newer at 60 months. Rate assumes a 0.50% payroll deposit discount; will vary depending on credit score, term, loan to value, and age of collateral. Lowest possible rate adds 0.25% for each year over 48 months up to 84 months.
Auto loan score 81 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Auto loan score 87
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 Washington
82 banks and credit unions · checked Oct 16–22
- Typical
- 5.34%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.39%
- 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.
Washington
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ICCUCredit union · 8 branches
- Responders Emergency Services Credit UnionCredit union · 1 branch
- Ironworkers USA Credit UnionCredit union · 2 branches