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 55 in Oregon · median 5.24% APR
- 3.85%APRas low as
Terms
Special rate. Must add at least $5,000.00 to current loan to qualify for the special rate or new loan of $5,000.00 or more. Excluded from 0.25% rate reduction.
Auto loan score 87 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 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 - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a 0.50% discount for automatic payments. Subject to approval; based on creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for lowest APR.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 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
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Newer Auto Loans. Includes 1.25% APR discount.
Auto loan score 88 · Carrot Score 89
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 as · up to 17.99%
4.49% APR, up to 17.99%
Terms
Rates range from 4.49% to 17.99% APR based on creditworthiness, credit history, loan-to-value ratio, and loan term. Terms up to 84 months. $65 loan processing fee applies.
Auto loan score 89 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
New vehicle. Fixed rate. Rate based on credit qualification. A vehicle is considered NEW if it is next year's, this year's, or last year's model with < 20,000 miles.
Auto loan score 87 · Carrot Score 86
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 - 4.74%APRas low as · up to 13.99%with conditions
4.74% APR, up to 13.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.25% Checking Relationship Plan discount for automatic loan payments from Columbia CU checking. Available for new and used vehicles.
Auto loan score 87 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 11.25%
4.75% APR, up to 11.25%
Terms
Fixed Rate.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.94%APRas low as · up to 17.28%with conditions
4.94% APR, up to 17.28%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Repayment terms 73-84 months. Model years 2025 – 2027. Rate includes 0.50% EV discount, 0.25% automatic payment reduction, and 0.25% Premier Member Merits discount.
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Available for members with A+ beacon scores; rates as low as; vehicles 6 years old or older add 1.00% to interest rate
Auto loan score 83 · Carrot Score 79
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 · 11 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 · up to 13.35%
4.99% APR, up to 13.35%
Terms
Fixed rate loan with terms up to 60 months. Quoted rates do not include rate reduction for SmartWay vehicle designation. Rate discounts only offered on fixed rate loans. Vehicles over 10 model years old subject to additional 0.50% APR.
Auto loan score 83 · 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 Oregon
55 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.35%
- Banks, typical
- 6.32%
- 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.
Oregon
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Valley Credit UnionCredit union · 1 branch
- Sage Credit UnionCredit union · 5 branches
- Ironworkers USA Credit UnionCredit union · 1 branch