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 1–13 of 13 in Eugene, OR metro · median 5.24% APR
- 2.65%APRas low as · up to 16.65%with conditionsunusually low · being checked
2.65% APR, up to 16.65%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Tiered fixed rate. APR is based on credit score tier, loan amount, and term length. Assumes autopay and eStatements discounts.
Auto loan score 97 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Emerald Empire Federal Credit UnionNew Vehicles Loans (2024 and Newer) Auto's / Trucks · up to 84 months
Credit union · 1 branch
4.25%APRas low as · up to 14.25%with conditions4.25% APR, up to 14.25%
This rate needs autopay.
Terms
With Auto Payment. May be discounted up to .25% based upon loan payment being set up on automatic repayment from an Emerald Empire Federal Credit Union account. Fixed APR based on credit qualifications, term of loan and loan amount.
Auto loan score 85 · Carrot Score 78
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
Applies to automobiles with a model year five years past the current model year or newer with less than 100,000 miles. Monthly payments are estimated at $15.88 per $1,000 financed with no down payment. The APR includes a 1.00% discount for monthly automatic payment from a First Community checking account; failure to maintain results in a permanent 1.00% APR increase. Offer applies to finance new and used automobile purchases and loans refinanced from another financial institution. Repayment period and loan-to-value limits are based on creditworthiness, loan amount and collateral.
Auto loan score 73 · Carrot Score 64
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 · 2 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
Rates as low as / starting at rate. Applies to new and used vehicles. APR may vary based on creditworthiness, vehicle type, and loan term. Offer does not apply to loans currently financed at GCU. Zero down, no payments for 30 days.
Auto loan score 83 · Carrot Score 88
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 · 4 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 - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New auto loan rate as low as 5.24% APR.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 14.99%with conditions
5.24% APR, up to 14.99%
This rate needs autopay.
Terms
Approved APR will be 0.25% higher without autopay and 0.25% higher without eStatements.
Auto loan score 73 · Carrot Score 78
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 - 5.74%APRas low as · up to 18.00%with conditions
5.74% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
New or used autos; valid for new and used personal vehicles only. Reflects all possible discounts. Rate is fixed.
Auto loan score 66 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 29.98%
5.99% APR, up to 29.98%
Terms
Rates range from 5.99% to 29.98%. Actual APR is based on year of collateral, loan to value, loan length, credit profile, market area and loan amount. Example: on an auto loan for $10,000 at 5.99% for 60 months, 60 payments of $193.28.
Auto loan score 66 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 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 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 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
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 Eugene, OR metro
13 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.30%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Eugene, OR metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Gateway Credit UnionCredit union · 1 branch