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 Seattle, WA · median 5.74% APR
- 4.84%APRas low as · up to 17.59%with conditions
4.84% APR, up to 17.59%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate (4.84% APR) includes discounts: 0.25% for automatic debit payments from an account at any financial institution, 0.50% for EPA SmartWay Certified vehicles, and 0.25% for financing less than 80% loan-to-value. Loan terms of 72 or 84 months are available to qualified members based on creditworthiness and age/type of vehicle. Rate range 4.84% - 17.59% APR.
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.87%APRas low as · up to 16.75%
4.87% APR, up to 16.75%
Terms
For model years 2024 and newer. APR varies based on applicant's credit qualifications.
Auto loan score 81 · Carrot Score 82
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 - 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 - 5.64%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 - Seattle Credit UnionAuto & Motorcycle Loans (New or Used, Models 10 Years and Newer) · up to 60 months
Credit union · 3 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 - 5.75%APRas low as
Auto loan score 68 · Carrot Score 65
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 - 5.99%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 - 6.24%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 - 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
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
18 banks and credit unions · checked Oct 16–22
- Typical
- 5.74%
- Top 10% up to
- 4.95%
- Banks, typical
- 6.53%
- Credit unions, typical
- 5.50%
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