Compare Bank & Credit Union Rates
Best auto loan rates in Spokane, WA
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 17 in Spokane, WA · median 5.50% APR
- 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 - 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
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 - 4.99%APRas low as
Terms
Special rates as low as 4.99% APR on electric vehicle loans for new and used electric vehicle purchases.
Auto loan score 83 · Carrot Score 87
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 autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed rates range from 4.99% APR to 17.49% APR. Includes 0.25% off for autopay from Canopy checking and 0.25% off for additional services.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 15.24%with conditions
4.99% APR, up to 15.24%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR for new, used, or refinanced car or truck loans with terms up to 84 months. APR reflects discounts up to 0.50% (0.25% discount with automatic payment from Numerica checking account and/or 0.25% discount with a Numerica Visa credit card or another Numerica loan). As low as 0% down payment on approved credit.
Auto loan score 79 · Carrot Score 83
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 - 5.30%APRas low as · up to 12.69%with conditions
5.30% APR, up to 12.69%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Models 2024 and newer. Repayment up to 84 months. APR reflects a 0.25% rate discount available to members with credit scores of 700 or higher and an out-the-door (OTD) loan-to-value (LTV) ratio below 85%. Maximum advance up to 115% for purchase (145% external refinance).
Auto loan score 71 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 11.50%
5.50% APR, up to 11.50%
Terms
Save 0.25% when applying online upon approval of credit.
Auto loan score 72 · Carrot Score 64
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 - 5.69%APRas low as
Terms
As low as APR headline rate; term options up to 84 months.
Auto loan score 71 · Carrot Score 97
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 - 5.89%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
For model year 2024 & newer (up to two years old). Advertised as low as rate based on 5-year, $30,000 loan with excellent credit and 90% LTV on auto loan amount of $30,000 or greater. Rates shown for ZIP 98168.
Auto loan score 65 · 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 - 6.14%APRas low as
Terms
Vehicle age 2020+. Rate as low as 6.14% APR. Maximum term 60 months. Subject to credit qualification.
Auto loan score 64 · Carrot Score 64
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 Spokane, WA
17 banks and credit unions · checked Oct 22
- Typical
- 5.50%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.00%
- 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.
Spokane, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ICCUCredit union · 6 branches
- Responders Emergency Services Credit UnionCredit union · 1 branch
- Ironworkers USA Credit UnionCredit union · 1 branch