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 18 in Olympia, WA metro · median 5.80% APR
- 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 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 aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Estimated monthly payment example of $18.65 per $1,000 borrowed for 60 months. Rate assumes discount for automated payments via payroll deduction or transfer.
Auto loan score 87 · Carrot Score 82
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 - 5.30%APRas low as · up to 12.69%with conditions
5.30% APR, up to 12.69%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Models 2024 and newer. Repayment up to 84 months. APR reflects a 0.25% rate discount available to members with credit scores of 700 or higher and an out-the-door (OTD) loan-to-value (LTV) ratio below 85%. Maximum advance up to 115% for purchase (145% external refinance).
Auto loan score 71 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 11.50%
5.50% APR, up to 11.50%
Terms
Save 0.25% when applying online upon approval of credit.
Auto loan score 72 · Carrot Score 64
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 - 5.75%APRas low as
Terms
New vehicles. Starting as low as rate.
Auto loan score 65 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.84%APRas low as · up to 18.00%with conditions
5.84% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle must be model year 2024 or newer.
Auto loan score 68 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
For model year 2024 & newer (up to two years old). Advertised as low as rate based on 5-year, $30,000 loan with excellent credit and 90% LTV on auto loan amount of $30,000 or greater. Rates shown for ZIP 98168.
Auto loan score 65 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.93%APRas low as · up to 13.93%
5.93% APR, up to 13.93%
Auto loan score 68 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Rate is as low as 5.99% for new and used vehicles. Rate is based on credit qualifications, loan amount, and loan term.
Auto loan score 66 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 6.14%APRas low as
Terms
Vehicle age 2020+. Rate as low as 6.14% APR. Maximum term 60 months. Subject to credit qualification.
Auto loan score 64 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.21%APRas low as · up to 8.18%with conditions
6.21% APR, up to 8.18%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Automobile for private use no more than 12 months old. APR reflects a 0.25% discount for auto pay from a Bank of the Pacific account. Credit score, loan terms, maximum and minimum loan amounts may affect rates. $100 loan fee and $35 document preparation fee apply.
Auto loan score 62 · Carrot Score 60
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 Olympia, WA metro
18 banks and credit unions · checked Oct 16–22
- Typical
- 5.80%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Olympia, WA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America's Credit UnionCredit union · 4 branches
- Navy Federal Credit UnionCredit union · 1 branch
- Our Community CUCredit union · 1 branch