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 1–8 of 8 in Washington · median 6.58% APR
- 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 64
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as
Auto loan score 69 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 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 65 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 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
More details - 6.62%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates quoted are best rates based on credit quality and are subject to credit qualification. Rates quoted are based on automatic payments from an active Sound Community Bank checking account (add 0.50% if auto-pay from another institution or no auto pay). Model year 2024 and newer.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.64%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of October 16, 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 6.50% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 62 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 7.65%APRas low as · up to 10.49%with conditions
7.65% APR, up to 10.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New (0-3 Years); terms up to 84 months depending on minimum loan amount and age of collateral; minimum loan amount as low as $5,000; lowest APR based on establishing automatic payment from checking or savings (add 1% for non-automatic payments); sample payment $403.58/month based on $20,000 loan amount for 60 months; subject to credit approval; evidence of insurance required.
Auto loan score 61 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 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
More details
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
8 banks and credit unions · checked Oct 7–29
- Typical
- 6.58%
- Top 10% up to
- 5.72%
- Banks, typical
- 6.58%
How does your bank’s rate compare?
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Washington
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Responders Emergency Services Credit UnionCredit union · 1 branch
- ICCUCredit union · 10 branches
- Ironworkers USA Credit UnionCredit union · 2 branches