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 16–30 of 82 in Washington · median 5.34% APR
- 4.74%APRas low as · up to 13.99%with conditions
4.74% APR, up to 13.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.25% Checking Relationship Plan discount for automatic loan payments from Columbia CU checking. Available for new and used vehicles.
Auto loan score 87 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 17.99%
4.74% APR, up to 17.99%
Terms
New and Used. Up to 108 months. APR based on credit history and loan term. Maximum Rate on any loan: 17.99% APR.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 15.49%
4.74% APR, up to 15.49%
Auto loan score 85 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - Puget Sound Cooperative Credit UnionNew Electric, Plug-in Hybrid, or Hybrid Vehicles (Model Year 2025 or newer) · up to 60 months
Credit union · 3 branches
4.74%APRas low as · up to 13.24%with conditions4.74% APR, up to 13.24%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Assumes automatic payment. Without automatic payment, APR is 0.25% higher. Wave Club members eligible for an additional 0.25% discount.
Auto loan score 81 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as · up to 17.59%with conditions
4.84% APR, up to 17.59%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate (4.84% APR) includes discounts: 0.25% for automatic debit payments from an account at any financial institution, 0.50% for EPA SmartWay Certified vehicles, and 0.25% for financing less than 80% loan-to-value. Loan terms of 72 or 84 months are available to qualified members based on creditworthiness and age/type of vehicle. Rate range 4.84% - 17.59% APR.
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.87%APRas low as · up to 16.75%
4.87% APR, up to 16.75%
Terms
For model years 2024 and newer. APR varies based on applicant's credit qualifications.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New & Used purchase or refinance
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - First Tech Federal Credit UnionNew Auto Loan - 2025 and Newer Models · up to 65 months
Credit union · 9 branches
4.99%APRas low asTerms
Rate as low as 4.99% APR for 65 months term with loan amount $1,000 to $300,000.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New and Used vehicles. Flexible terms or refinancing on existing vehicles.
Auto loan score 83 · Carrot Score 87
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 - OnPoint Community Credit Union2023 & Newer Auto Loans (Cars, trucks & vans) · 36–60 months
Credit union · 8 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 as
Terms
5 years / 60 months term; New Auto (2021 and Newer).
Auto loan score 79 · Carrot Score 90
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 - 5.15%APRas low as
Terms
Advertised starting APR for new or used vehicles. Rates increase for vehicles over 100,000 miles or more than 7 years old (or more than 6 years old per rates schedule). Based on creditworthiness and underwriting approval.
Auto loan score 81 · Carrot Score 84
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