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 16–30 of 42 in Seattle, WA metro · median 5.50% APR
- Ukrainian Federal Credit UnionNew Auto Loan (vehicle year 2025 - 2026) · up to 60 months
Credit union · 1 branch
5.25%APRas low as · up to 6.25%with conditions5.25% APR, up to 6.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 5 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit.
Auto loan score 73 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. 2021 and newer.
Auto loan score 72 · Carrot Score 62
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 - 5.49%APRas low as · up to 8.74%with conditions
5.49% APR, up to 8.74%
This rate needs autopay.
Terms
New vehicles have never been titled or licensed and used vehicles up to 1 year old. Terms up to 84 months based on age of vehicle and loan dollar amount. Actual APR based on creditworthiness, age of vehicle, and term. Rates increase by 0.25% without automatic payment; 0.25% rate discount for hybrid and electric vehicle loans. 0.25% rate discount with 2,500 Salal Rewards points.
Auto loan score 73 · Carrot Score 83
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 - 5.50%APRas low as · up to 11.00%
5.50% APR, up to 11.00%
Terms
Non-variable APR. Never titled and less than 5,000 miles. Up to 120% loan to value.
Auto loan score 69 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 17.99%
5.50% APR, up to 17.99%
Auto loan score 68 · 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 - 5.69%APRas low as · up to 14.29%with conditions
5.69% APR, up to 14.29%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle model year 2023 and newer. Minimum 680 FICO score and $25,000 amount financed to qualify for 79 - 84-month term. 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score and includes .40% discount for setting up auto pay from a Credit Human checking account. Additional rate discounts may apply for vehicle value and EV/hybrid.
Auto loan score 71 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
APR as low as stated; based on creditworthiness and product type.
Auto loan score 69 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - Seattle Credit UnionAuto & Motorcycle Loans (New or Used, Models 10 Years and Newer) · up to 60 months
Credit union · 7 branches
5.74%APRas low asTerms
As low as rate for 60 month term. Maximum loan amount $150,000. Estimated monthly payment per $1,000 is $19.22.
Auto loan score 69 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 16.99%with conditions
5.74% APR, up to 16.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes a 0.25% discount for auto-pay. Payment example: $288.18/month based on 5 year term, $15,000 loan at 5.74% APR.
Auto loan score 67 · 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
As low as 5.75% APR for new or used vehicles with terms as long as 108 months.
Auto loan score 68 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 68 · Carrot Score 65
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