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 75 in Washington · median 5.24% APR
- 1.99%APRas low as
Auto loan score 87 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 3.64%APRas low as · up to 16.75%with conditions
3.64% APR, up to 16.75%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
New and used autos (2021 and newer). APR range includes member discounts.
Auto loan score 92 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - Responders Emergency Services Credit UnionNew & Used Automobiles · up to 72 months
Credit union · 1 branch
3.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Promotional rate as low as 3.99% APR for 72 months for 7 years or newer model years. May require payroll direct deposit and automatic transfer from RESCU checking account. Best rate based on creditworthiness; not eligible for additional discounts.
Auto loan score 95 · Carrot Score 97
Rate checked · Auto loans rates on its site
More details - 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
More details - 4.25%APRas low as
Auto loan score 93 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 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 86
Rate checked · Auto loans rates on its site
More details - 4.39%APRas low as · up to 15.04%
4.39% APR, up to 15.04%
Terms
Up to 85% Financing
Auto loan score 92 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 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 90 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 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 90 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 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 86
Rate checked · Auto loans rates on its site
More details - 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 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 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 of $18.65 per $1,000 borrowed. Rate quoted assumes discount for automated payments via payroll deduction or transfer.
Auto loan score 88 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 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 82 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low as
Terms
As low as rate for 61-72 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Auto loan score 88
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
75 banks and credit unions · checked Oct 23–30
- Typical
- 5.24%
- Top 10% up to
- 4.49%
- 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
- Responders Emergency Services Credit UnionCredit union · 1 branch
- ICCUCredit union · 10 branches
- Ironworkers USA Credit UnionCredit union · 2 branches