District Of Columbia Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in District Of Columbia include IDB Global Federal Credit UnionIDB Global Federal Credit Union1300 New York Ave NW, Washington, DC, 20577 0001A+5.0 ★Texas Ratio: 0.88% offering Auto Loan-New Vehicle (Fixed Rate) - APR - From 81% to 100% LTV Ratio at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union1 Aviation Cir, Washington, DC, 20001A+5.0 ★Texas Ratio: 2.50% offering New Auto at 3.34%, Government Printing Office Federal Credit UnionGovernment Printing Office Federal Credit Union732 N Capitol ST NW, Washington, DC, 20401 0002A+5.0 ★Texas Ratio: 3.63% offering New or Used Vehicle Loan at 3.50%, United States Senate Federal Credit UnionUnited States Senate Federal Credit Union441 G St NW Rm 1100, Washington, DC, 20548 0001A5.0 ★Texas Ratio: 13.40% offering New Auto Loan at 3.74%, U S POSTAL SERVICEU S POSTAL SERVICE457 Lenfant Plz SW, Washington, DC, 20024 2111A+5.0 ★Texas Ratio: 4.56% offering Vehicle Loans at 3.75%. Auto loan rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across District Of Columbia side-by-side. District Of Columbia auto loan rates currently start as low as 3.25% APR from IDB Global Federal Credit Union at 1300 New York Ave NW, Washington, DC, 20577 0001. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in District Of Columbia. Auto Loan Rates Last Updated and Verified: September 21, 2026
Compare Auto Loan Rates Today in District Of Columbia
District Of Columbia Auto Loan Rates
As Low As
As Low As; Offer valid for new and used vehicles purchased September 1-30, 2026. Not valid for RVs or boats. No payments for 90 days; interest accrues from loan disbursement date.
As low as**; Maximum Loan Amount: $150,000
As low as with Relationship Rewards
As low as; Applies to refinances, used, and new; Payment flexibility: 60 days with no payments
As Low As
100% Financing
100% Financing
100% Financing
As Low As*
As Low As
As Low As; w/ Auto Pay Discount: 3.89%
As low as**; Maximum Loan Amount: $150,000
As low as** 3.99%***; Maximum: $75,000
As low as; Minimum of $1,000 loan
As low as; Minimum of $1,000 loan
As Low As; Payment Example Calculated with a loan amount of $25,000
As Low As
As Low As;
As Low As
As Low As; w/ Auto Pay Discount: 4.14%
As low as**; Maximum Loan Amount: $150,000
As low as** 4.24%***; Maximum: $75,000
As low as
As low as; Minimum of $1,000 loan
As low as; - Minimum of $1,000 loan
Payment Example Calculated with a loan amount of $25,000
As Low As*
As Low As*
100% Financing
100% Financing
100% Financing
As Low As
As Low As
As Low As; w/ Auto Pay Discount: 4.39%
As low as**; Maximum Loan Amount: $150,000
As low as** 4.49%***; Maximum: $75,000
Loan Amount: $5,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled.
100% Financing; As Low As
As Low As;
As Low As
As Low As;
Loan Amount: $2,500+
Loan Amount: $5,000-$125,000
As Low As
As Low As; w/ Auto Pay Discount: 4.64%
As low as**; Maximum Loan Amount: $150,000
As low as** 4.74%***; Maximum: $75,000
Payment Example Calculated with a loan amount of $25,000
Loan Amount: $15,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled.
As Low As*
As Low As;
As low as
As low as; Minimum of $1,000 loan
As low as; Minimum of $1,000 loan
As low as
Annual Percentage Rate (APR) ranges between 4.87% to 17.99% based on credit. Your rate and payment may vary. Approvals based on credit performance, employment history and vehicle condition. Eligible model years 2016-2025, maximum LTV restrictions may apply based on MSRP of new vehicles and the NADA retail value of used vehicles. Collateral insurance required for life of loan. Other restrictions may apply. Labor CU reserves the right to end this program at any time and terms are subject to change without notice. Contact us for details. Equal Opportunity Lender.
Loan Amount: $2,500+
As low as
100% Financing
As Low As
As Low As*
As Low As
As Low As
As Low As; w/ Auto Pay Discount: 4.89%
As low as** 4.99%***; Maximum: $75,000
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
100% Financing; As Low As
Published APR range: 5% - 15%. Loan Amount: Any, when approved
As low as; Minimum of $1,000 loan
As low as; - Minimum of $1,000 loan
Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: $2,500+
Loan Amount: $2,500+
As low as
As Low As
As Low As
APR as low as
Payment Example Calculated with a loan amount of $25,000
As Low As*
As Low As*
As low as
Loan Amount: $10,000-$125,000
Loan Amount: $5,000+
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As low as; Minimum of $7,000 loan
As low as; Minimum of $7,000 loan
As Low As
Loan Amount: $2,500+
As Low As
As low as; Minimum of $7,000 loan
As low as; - Minimum of $7,000 loan
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Loan Amount: Up to $15,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Term: Between 6 and 7 years; Published APR range: 5.5 - 16%. APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
Published APR range: 5.5 - 15.5%. Loan Amount: Any, if approved
Loan Amount: $5,000+
Loan Amount: $15,000+
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
APR as low as
As Low As
As Low As; ($25,000)
As Low As; ($25,000)
Published APR range: 5.74% - 15.74%. Type of vehicle: Hybrid/Electric cars only
Payment Example Calculated with a loan amount of $25,000
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide.
Loan Amount: $15,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled.
100% Financing; As Low As
As low as
Loan Amount: $15,000 to $35,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: $15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As;
As low as
As Low As
As Low As
As Low As
As low as; Maximum Loan Amount: $300,000
Published APR range: 5.99% - 15.99%. Type of vehicle: New & Used (3 Years Old - or newer)
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide.
100% Financing ($15K Min.); As Low As
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
APR as low as
As low as; Minimum of $15,000 loan
Loan Amount: $15,000+
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Loan Amount: $15,000-$125,000
As Low As
As Low As
As low as; Maximum Loan Amount: $300,000
Payment Example Calculated with a loan amount of $25,000
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide.
Actual rate may be higher based on income, credit worthiness, and loan to value. $25000 minimum loan amount required for vehicle loan of 73 to 84 months. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. $25000 minimum loan amount required for vehicle loan of 73 to 84 months. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
District Of Columbia New Auto Auto Loan Rates
As Low As
As Low As; Offer valid for new and used vehicles purchased September 1-30, 2026. Not valid for RVs or boats. No payments for 90 days; interest accrues from loan disbursement date.
As low as**; Maximum Loan Amount: $150,000
100% Financing
100% Financing
100% Financing
As Low As*
As Low As
As Low As; w/ Auto Pay Discount: 3.89%
As low as**; Maximum Loan Amount: $150,000
As low as; Minimum of $1,000 loan
As low as; Minimum of $1,000 loan
As Low As; Payment Example Calculated with a loan amount of $25,000
As Low As
As Low As;
As Low As
As Low As; w/ Auto Pay Discount: 4.14%
As low as**; Maximum Loan Amount: $150,000
As low as
Payment Example Calculated with a loan amount of $25,000
As Low As*
As Low As*
As Low As
As Low As; w/ Auto Pay Discount: 4.39%
As low as**; Maximum Loan Amount: $150,000
Loan Amount: $5,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled.
100% Financing; As Low As
As Low As;
As Low As;
As Low As; w/ Auto Pay Discount: 4.64%
As low as**; Maximum Loan Amount: $150,000
Payment Example Calculated with a loan amount of $25,000
Loan Amount: $15,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled.
As Low As*
As Low As;
As low as
As low as; Minimum of $1,000 loan
As low as; Minimum of $1,000 loan
As low as
As Low As
As Low As
As Low As; w/ Auto Pay Discount: 4.89%
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
100% Financing; As Low As
Published APR range: 5% - 15%. Loan Amount: Any, when approved
Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As
APR as low as
Payment Example Calculated with a loan amount of $25,000
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As low as; Minimum of $7,000 loan
As low as; Minimum of $7,000 loan
As Low As
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Term: Between 6 and 7 years; Published APR range: 5.5 - 16%. APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
APR as low as
As Low As; ($25,000)
Published APR range: 5.74% - 15.74%. Type of vehicle: Hybrid/Electric cars only
Payment Example Calculated with a loan amount of $25,000
Loan Amount: $15,000 min; APR* as low as**; New = never titled and less than 12,000 miles, Used = previously titled.
100% Financing; As Low As
As low as
Loan Amount: $15,000 to $35,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: $15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As;
As low as
As Low As
As low as; Maximum Loan Amount: $300,000
Published APR range: 5.99% - 15.99%. Type of vehicle: New & Used (3 Years Old - or newer)
100% Financing ($15K Min.); As Low As
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
APR as low as
As low as; Minimum of $15,000 loan
As Low As
As low as; Maximum Loan Amount: $300,000
Payment Example Calculated with a loan amount of $25,000
Actual rate may be higher based on income, credit worthiness, and loan to value. $25000 minimum loan amount required for vehicle loan of 73 to 84 months. Financing available for model years 2019 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
District Of Columbia Used Auto Auto Loan Rates
As Low As; Offer valid for new and used vehicles purchased September 1-30, 2026. Not valid for RVs or boats. No payments for 90 days; interest accrues from loan disbursement date.
As Low As
As Low As; w/ Auto Pay Discount: 3.89%
As low as** 3.99%***; Maximum: $75,000
As Low As; Payment Example Calculated with a loan amount of $25,000
As Low As; w/ Auto Pay Discount: 4.14%
As low as** 4.24%***; Maximum: $75,000
As low as; - Minimum of $1,000 loan
Payment Example Calculated with a loan amount of $25,000
100% Financing
100% Financing
100% Financing
As Low As
As Low As; w/ Auto Pay Discount: 4.39%
As low as** 4.49%***; Maximum: $75,000
As Low As
As Low As
As Low As; w/ Auto Pay Discount: 4.64%
As low as** 4.74%***; Maximum: $75,000
Payment Example Calculated with a loan amount of $25,000
As low as
100% Financing
As Low As*
As Low As
As Low As; w/ Auto Pay Discount: 4.89%
As low as** 4.99%***; Maximum: $75,000
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
As low as; - Minimum of $1,000 loan
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As low as
As Low As
Payment Example Calculated with a loan amount of $25,000
As Low As*
As Low As*
As low as
As Low As
As Low As
As low as; - Minimum of $7,000 loan
Loan Amount: Up to $15,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
Published APR range: 5.5 - 15.5%. Loan Amount: Any, if approved
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As
As Low As; ($25,000)
Published APR range: 5.74% - 15.74%. Type of vehicle: Hybrid/Electric cars only
Payment Example Calculated with a loan amount of $25,000
Amount: Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Loan Amount: $15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As
As Low As
Published APR range: 5.99% - 15.99%. Type of vehicle: New & Used (3 Years Old - or newer)
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As
Payment Example Calculated with a loan amount of $25,000
Actual rate may be higher based on income, credit worthiness, and loan to value. $25000 minimum loan amount required for vehicle loan of 73 to 84 months. Financing available for model years 2023 to current model year. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency.
District Of Columbia Auto Loan Rate Trends
Compare local District Of Columbia auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
District Of Columbia new auto rates rose 0.366 points over the past 7 days to 5.437% APR.
District Of Columbia used auto rates rose 0.189 points over the past 7 days to 5.423% APR.
District Of Columbia Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current District Of Columbia figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average District Of Columbia APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.44% APR DC average | Used Auto @ 5.42% APR DC average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.08/mo | $285.98/mo | $0.10/mo |
| $25,000 | $476.81/mo | $476.64/mo | $0.17/mo |
| $35,000 | $667.53/mo | $667.29/mo | $0.24/mo |
| $45,000 | $858.25/mo | $857.95/mo | $0.31/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in District Of Columbia
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving District Of Columbia locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in District Of Columbia. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a District Of Columbia high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: District Of Columbia CD rates lock in a guaranteed return until you’re ready to buy
District Of Columbia Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $572 monthly car payment works out to roughly 8.4% of the median individual income in District Of Columbia. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in District Of Columbia, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in District Of Columbia. We’ve prefilled the APR with today’s DC new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our District Of Columbia auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for District Of Columbia directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in District Of Columbia. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in DC.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in District Of Columbia
How does my credit score affect my car loan rate in District Of Columbia?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in District Of Columbia?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in District Of Columbia?
- IDB Global Federal Credit Union: 3.25% (Auto Loan-New Vehicle (Fixed Rate) - APR - From 81% to 100% LTV Ratio)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Government Printing Office Federal Credit Union: 3.50% (New or Used Vehicle Loan)
- United States Senate Federal Credit Union: 3.74% (New Auto Loan)
- U S POSTAL SERVICE: 3.75% (Vehicle Loans)
District Of Columbia Rates & Resources
