Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 42 in Seattle, WA metro · median 5.50% APR
- 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 - 4.29%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 - 4.49%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 - 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 · 8 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
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 - 5.24%APRas low as · up to 17.99%
5.24% APR, up to 17.99%
Terms
Auto & Motorcycles (New and Used). 24-84 months. Loan to value rate adjustment: below 80% (-1.25%), 80-90% (-1.00%), 91-100% (Base), 101-115% (Base), 116-125% (+2.00%). Vehicle age adjustments apply. On approved credit.
Auto loan score 79 · Carrot Score 67
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 Seattle, WA metro
42 banks and credit unions · checked Oct 16–22
- Typical
- 5.50%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.46%
- Credit unions, typical
- 5.28%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Seattle, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ironworkers USA Credit UnionCredit union · 1 branch
- Firefighters First Credit UnionCredit union · 1 branch
- Alaska Air Group Credit UnionCredit union · 1 branch