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 31–45 of 82 in Washington · median 5.34% APR
- 5.22%APRas low as · up to 17.47%
5.22% APR, up to 17.47%
Terms
Rate will vary based on term and creditworthiness.
Auto loan score 80 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2022 or newer. Requires automatic payments from a Solarity checking account. Add 1.00% for vehicles over 100,000 miles (150,000 miles for diesels). Monthly payment is $16.21 per $1,000.
Auto loan score 75 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 17.99%
5.24% APR, up to 17.99%
Terms
Model year 2018 and Newer. Subject to a $50 Loan Processing Fee. Ineligible collateral: salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 150,000 miles.
Auto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 17.99%
5.24% APR, up to 17.99%
Terms
Auto & Motorcycles (New and Used). 24-84 months. Loan to value rate adjustment: below 80% (-1.25%), 80-90% (-1.00%), 91-100% (Base), 101-115% (Base), 116-125% (+2.00%). Vehicle age adjustments apply. On approved credit.
Auto loan score 79 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 15.79%
5.24% APR, up to 15.79%
Terms
Repayment period 37-60 months; minimum loan amount $5,000.
Auto loan score 77 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 17.15%
5.24% APR, up to 17.15%
Terms
Criteria: 0-10 model years old. Rates based on credit, term and amount financed.
Auto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate applies to the purchase of vehicles seven model years old and newer with terms of 72 months or less. STCU rates assume the primary borrower gets a 0.25% discount for having an STCU credit card in good standing; payments are based on the contract rate before discounts. 100% financing available to qualified borrowers only.
Auto loan score 73 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - Ukrainian Federal Credit UnionNew Auto Loan (vehicle year 2025 - 2026) · up to 60 months
Credit union · 2 branches
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 - 5.34%APRas low as · up to 20.44%
5.34% APR, up to 20.44%
Terms
Model year 2022 & Newer. Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history. Payment schedule up to 60 months. Monthly payment per $1,000 borrowed: $19.07 - $26.97.
Auto loan score 76 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 18.00%
5.34% APR, up to 18.00%
Terms
Collateral years 2023 & Newer. Up to 60 months.
Auto loan score 75 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Vehicle model year 2021-2026; financing 100% MSRP or High KBB.
Auto loan score 73 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 16.99%
5.49% APR, up to 16.99%
Terms
Vehicle model years 2023 – 2026.
Auto loan score 73 · Carrot Score 70
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
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 Washington
82 banks and credit unions · checked Oct 16–22
- Typical
- 5.34%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.39%
- 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.
Washington
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ICCUCredit union · 8 branches
- Responders Emergency Services Credit UnionCredit union · 1 branch
- Ironworkers USA Credit UnionCredit union · 2 branches