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 46–60 of 82 in Washington · median 5.34% APR
- 5.49%APRas low as · up to 14.49%
5.49% APR, up to 14.49%
Terms
Fixed rate, terms up to 72 months with no more than 12,000 miles. The interest rate, term, and down payment on each loan are based on the creditworthiness of each individual borrower.
Auto loan score 70 · Carrot Score 88
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 - 5.65%APRas low as
Terms
Max mileage 150k gas / 200k diesel. Purchase/Refi LTV up to 125%. Actual term available is based on borrowing amount.
Auto loan score 71 · Carrot Score 69
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 - 5.69%APRas low as
Terms
As low as APR headline rate; term options up to 84 months.
Auto loan score 71 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low as · up to 17.99%
5.69% APR, up to 17.99%
Terms
Rate is based on the term of the loan, down payment amount, and credit qualifications. Terms up to 84 months for qualified borrowers.
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - Great NorthWest Federal Credit UnionNew & Used Auto Loans · up to 84 months
Credit union · 5 branches
5.69%APRas low as · up to 17.99%with conditions5.69% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest displayed rate includes discount for enrollment in automatic payments (.25% decrease). Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
Auto loan score 67 · Carrot Score 81
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
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