Auto Loan Rates in Oregon (OR) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Oregon. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Oregon include South Coast ILWU Federal Credit UnionSouth Coast ILWU Federal Credit Union2438 Broadway Ave, North Bend, OR, 97459A+5.0 ★Texas Ratio: 0.00% offering New or Used Auto Loans at 3.85%, Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit Union11620 NE Ainsworth Cir, Portland, OR, 97220C+4.2 ★Texas Ratio: 23.15% offering New Vehicles Loan at 4.24%, EWEB EMPLOYEESEWEB EMPLOYEES4200 Roosevelt Blvd, Eugene, OR, 97402 6520C+4.1 ★Texas Ratio: 0.90% offering New & Used Vehicles (Purchase or Refinance) New at 4.25%, NW Priority Credit UnionNW Priority Credit Union12630 SE Division St, Portland, OR, 97236 3132A+5.0 ★Texas Ratio: 0.71% offering Purchase New Auto or Refinance at 4.49%, Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit Union11619 Island Ave, Island City, OR, 97850A+5.0 ★Texas Ratio: 4.06% offering Auto Loan at 4.74%. Auto loan rates as of June 1, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Oregon side-by-side. Oregon auto loan rates currently start as low as 3.85% APR from South Coast ILWU Federal Credit Union at 2438 Broadway Ave, North Bend, OR, 97459. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Oregon. Auto Loan Rates Last Updated and Verified: June 1, 2026
Compare Auto Loan Rates Today in Oregon
Oregon Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2438 Broadway Ave, North Bend, OR, 97459
New or Used Auto Loans
3.85%
72 Months
▼
APR3.85%
Term72 Months
Last UpdatedMay 29, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
11620 NE Ainsworth Cir, Portland, OR, 97220
New Vehicles Loan
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedMay 22, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New Vehicles Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
12630 SE Division St, Portland, OR, 97236 3132
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 18, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
Used Vehicles Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
12630 SE Division St, Portland, OR, 97236 3132
Used Auto
4.74%
2016 - 2024
▼
APR4.74%
Term2016 - 2024
Last UpdatedMay 18, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
11619 Island Ave, Island City, OR, 97850
Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 22, 2026
Details
As Low As; 2024 & Newer
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
11619 Island Ave, Island City, OR, 97850
Auto Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedMay 18, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.75%
12550 SE 93rd Ave, Clackamas, OR, 97015
New/Used Autos Fixed
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As; Regular APR: 13.35%
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
New and Used Auto Loans
4.99%
36 mo
▼
APR4.99%
Term36 mo
Last UpdatedMay 22, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As; 2024 & Newer
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedMay 22, 2026
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 3.20%
4620 SE International Way Ste 105, Milwaukie, OR, 97222
New Auto
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New Vehicles Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
Used Vehicles Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.04%
Up to 36 months
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 18, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedMay 18, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedMay 18, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.75%
12550 SE 93rd Ave, Clackamas, OR, 97015
New/Used Autos Fixed
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 18, 2026
Details
As Low As; Regular APR: 13.60%
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
11620 NE Ainsworth Cir, Portland, OR, 97220
Used Vehicles Loan
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedMay 22, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedMay 22, 2026
Details
As Low As; 2018-2023
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
7101 Supra Dr SW, Albany, OR, 97321
New Auto
5.24%
Up to 60
▼
APR5.24%
TermUp to 60
Last UpdatedMay 23, 2026
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 3.20%
4620 SE International Way Ste 105, Milwaukie, OR, 97222
Used Auto
5.24%
Up to 84 Months
▼
APR5.24%
TermUp to 84 Months
Last UpdatedJun 1, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
10333 SE Main St, Portland, OR, 97216 2940
New Vehicles Loan
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedMay 22, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
10333 SE Main St, Portland, OR, 97216 2940
Used Vehicle Loan
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedMay 22, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New Vehicles Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
Used Vehicles Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.34%
61-66 months
▼
APR5.34%
Term61-66 months
Last UpdatedMay 18, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
5.34%
24 months
▼
APR5.34%
Term24 months
Last UpdatedMay 18, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.44%
67-75 months
▼
APR5.44%
Term67-75 months
Last UpdatedMay 18, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1980 NW 9th St, Corvallis, OR, 97330 2179
New auto (2025 - 2027)
5.44%
Up to 72 months
▼
APR5.44%
TermUp to 72 months
Last UpdatedMay 20, 2026
Details
As Low As
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
221 NW 2nd Ave Ste 100, Portland, OR, 97209 3959
Autos (New & Used)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Regular APR: 5.49% - 18.00%
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.49%
76-84 months
▼
APR5.49%
Term76-84 months
Last UpdatedMay 18, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedMay 18, 2026
Details
As Low As
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
New and Used Auto Loans
5.49%
72 mo
▼
APR5.49%
Term72 mo
Last UpdatedMay 22, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMay 22, 2026
Details
As Low As; 2018-2023
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
NEW VEHICLE Loan
5.49%
96 Months
▼
APR5.49%
Term96 Months
Last UpdatedMay 22, 2026
Details
Up to 100% Financing
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
USED VEHICLE Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 22, 2026
Details
Amount Financed: 90% of Retail Book Value
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
7101 Supra Dr SW, Albany, OR, 97321
New Auto
5.49%
61 to 72
▼
APR5.49%
Term61 to 72
Last UpdatedMay 23, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
10333 SE Main St, Portland, OR, 97216 2940
Member Appreciation Auto Loan Special
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; *some restrictions apply
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
5.50%
Up to 42 Months
▼
APR5.50%
TermUp to 42 Months
Last UpdatedMay 22, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
Used Vehicles Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
1004 Pacific Ave, Hood River, OR, 97031 1961
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 22, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedMay 18, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
1004 Pacific Ave, Hood River, OR, 97031 1961
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 22, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
1004 Pacific Ave, Hood River, OR, 97031 1961
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 22, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019) Loan
5.69%
42 Months
▼
APR5.69%
Term42 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR (Min)
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2023 & Newer Auto Loans (Cars, trucks & vans)
5.74%
36 - 60
▼
APR5.74%
Term36 - 60
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
New auto
5.74%
36-60 months
▼
APR5.74%
Term36-60 months
Last UpdatedMay 18, 2026
Details
2023 and newer
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 18, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
1004 Pacific Ave, Hood River, OR, 97031 1961
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 22, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
5.84%
72 months
▼
APR5.84%
Term72 months
Last UpdatedMay 18, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
1004 Pacific Ave, Hood River, OR, 97031 1961
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 22, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2016-2019 Older Used Auto Loans and Other Titled Vehicles
5.89%
36-60
▼
APR5.89%
Term36-60
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.89%
36 - 60
▼
APR5.89%
Term36 - 60
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
Used auto
5.89%
36-60 months
▼
APR5.89%
Term36-60 months
Last UpdatedMay 18, 2026
Details
2016-2022
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1980 NW 9th St, Corvallis, OR, 97330 2179
Used auto (2011 - 2024)
5.94%
Up to 72 months
▼
APR5.94%
TermUp to 72 months
Last UpdatedMay 20, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2023 & Newer Auto Loans (Cars, trucks & vans)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
New auto
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMay 18, 2026
Details
2023 and newer
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
1004 Pacific Ave, Hood River, OR, 97031 1961
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 22, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
New and Used Auto Loans
5.99%
84 mo
▼
APR5.99%
Term84 mo
Last UpdatedMay 22, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
7101 Supra Dr SW, Albany, OR, 97321
Used Auto
5.99%
Up to 60
▼
APR5.99%
TermUp to 60
Last UpdatedMay 23, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
6.09%
84 months
▼
APR6.09%
Term84 months
Last UpdatedMay 18, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2016-2019 Older Used Auto Loans and Other Titled Vehicles
6.14%
72 Months
▼
APR6.14%
Term72 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2020-2022 Used Auto Loans (Cars, trucks & vans)
6.14%
72 Months
▼
APR6.14%
Term72 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
Used auto
6.14%
72 months
▼
APR6.14%
Term72 months
Last UpdatedMay 18, 2026
Details
2016-2022
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2023 & Newer Auto Loans (Cars, trucks & vans)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
New auto
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedMay 18, 2026
Details
2023 and newer
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
12630 SE Division St, Portland, OR, 97236 3132
Used Auto
6.24%
2015 and Older
▼
APR6.24%
Term2015 and Older
Last UpdatedMay 18, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedMay 22, 2026
Details
As Low As; 2018-2023
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019) Loan
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR (Min)
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
New and Used Auto Loans
6.49%
96 mo
▼
APR6.49%
Term96 mo
Last UpdatedMay 22, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
7101 Supra Dr SW, Albany, OR, 97321
Used Auto
6.49%
73 to 84
▼
APR6.49%
Term73 to 84
Last UpdatedMay 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
6.50%
Up to 90 months
▼
APR6.50%
TermUp to 90 months
Last UpdatedMay 22, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2020-2022 Used Auto Loans (Cars, trucks & vans)
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
Used auto
6.59%
84 months
▼
APR6.59%
Term84 months
Last UpdatedMay 18, 2026
Details
2016-2022
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
118 Ne 3rd St, Mcminnville, OR, 97128
Auto Loan
6.84%
36 Months
▼
APR6.84%
Term36 Months
Last UpdatedMay 17, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1980 NW 9th St, Corvallis, OR, 97330 2179
Used auto (2011 - 2024)
6.93%
73-84 months
▼
APR6.93%
Term73-84 months
Last UpdatedMay 20, 2026
Details
As Low As
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
118 Ne 3rd St, Mcminnville, OR, 97128
Auto Loan
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
6.99%
1-60 months
▼
APR6.99%
Term1-60 months
Last UpdatedMay 18, 2026
Details
As Low As; For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
11619 Island Ave, Island City, OR, 97850
Used Vehicle
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
6.99%
36 months
▼
APR6.99%
Term36 months
Last UpdatedMay 22, 2026
Details
As Low As; 2017 & Older
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019) Loan
7.19%
90 Months
▼
APR7.19%
Term90 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR (Min)
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
118 Ne 3rd St, Mcminnville, OR, 97128
Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedMay 17, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2023 & Newer Auto Loans (Cars, trucks & vans)
7.24%
96 Months
▼
APR7.24%
Term96 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
New auto
7.24%
96 months
▼
APR7.24%
Term96 months
Last UpdatedMay 18, 2026
Details
2023 and newer
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1980 NW 9th St, Corvallis, OR, 97330 2179
New auto (2025 - 2027)
7.43%
85-96 months
▼
APR7.43%
Term85-96 months
Last UpdatedMay 20, 2026
Details
As Low As
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
118 Ne 3rd St, Mcminnville, OR, 97128
Auto Loan
7.64%
72 Months
▼
APR7.64%
Term72 Months
Last UpdatedMay 17, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1980 NW 9th St, Corvallis, OR, 97330 2179
Used auto (2011 - 2024)
7.68%
85-96 months
▼
APR7.68%
Term85-96 months
Last UpdatedMay 20, 2026
Details
As Low As
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
7101 Supra Dr SW, Albany, OR, 97321
New Auto
7.89%
85 to 96
▼
APR7.89%
Term85 to 96
Last UpdatedMay 23, 2026
Details
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
USED VEHICLE TEN YEARS OR OLDER Loan
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Amount Financed: 80% of Retail Book Value
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
7101 Supra Dr SW, Albany, OR, 97321
Used Auto
8.14%
85 to 96
▼
APR8.14%
Term85 to 96
Last UpdatedMay 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
8.30%
Up to 90 months
▼
APR8.30%
TermUp to 90 months
Last UpdatedMay 22, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019) Loan
8.89%
90 Months
▼
APR8.89%
Term90 Months
Last UpdatedMay 22, 2026
Details
APR (Max)
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
247 E Powell Blvd, Gresham, OR, 97030 7605
First Time Auto Buyer Loan
11.50%
60 Months
▼
APR11.50%
Term60 Months
Last UpdatedMay 20, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019) Loan
16.24%
66 Months
▼
APR16.24%
Term66 Months
Last UpdatedMay 22, 2026
Details
APR (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
16.65%
Up to 42 Months
▼
APR16.65%
TermUp to 42 Months
Last UpdatedMay 22, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019) Loan
17.44%
42 Months
▼
APR17.44%
Term42 Months
Last UpdatedMay 22, 2026
Details
APR (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
17.75%
Up to 66 months
▼
APR17.75%
TermUp to 66 months
Last UpdatedMay 22, 2026
Details
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MonitorBankRates
Oregon New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2438 Broadway Ave, North Bend, OR, 97459
New or Used Auto Loans
3.85%
72 Months
▼
APR3.85%
Term72 Months
Last UpdatedMay 29, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
11620 NE Ainsworth Cir, Portland, OR, 97220
New Vehicles Loan
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedMay 22, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New Vehicles Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
12630 SE Division St, Portland, OR, 97236 3132
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 18, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New Vehicles Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedMay 18, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.75%
12550 SE 93rd Ave, Clackamas, OR, 97015
New/Used Autos Fixed
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As; Regular APR: 13.35%
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
New and Used Auto Loans
4.99%
36 mo
▼
APR4.99%
Term36 mo
Last UpdatedMay 22, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedMay 22, 2026
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 3.20%
4620 SE International Way Ste 105, Milwaukie, OR, 97222
New Auto
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New Vehicles Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.04%
Up to 36 months
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 18, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedMay 18, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedMay 18, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.75%
12550 SE 93rd Ave, Clackamas, OR, 97015
New/Used Autos Fixed
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 18, 2026
Details
As Low As; Regular APR: 13.60%
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
7101 Supra Dr SW, Albany, OR, 97321
New Auto
5.24%
Up to 60
▼
APR5.24%
TermUp to 60
Last UpdatedMay 23, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
10333 SE Main St, Portland, OR, 97216 2940
New Vehicles Loan
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedMay 22, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New Vehicles Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.34%
61-66 months
▼
APR5.34%
Term61-66 months
Last UpdatedMay 18, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.44%
67-75 months
▼
APR5.44%
Term67-75 months
Last UpdatedMay 18, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1980 NW 9th St, Corvallis, OR, 97330 2179
New auto (2025 - 2027)
5.44%
Up to 72 months
▼
APR5.44%
TermUp to 72 months
Last UpdatedMay 20, 2026
Details
As Low As
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
221 NW 2nd Ave Ste 100, Portland, OR, 97209 3959
Autos (New & Used)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Regular APR: 5.49% - 18.00%
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.49%
76-84 months
▼
APR5.49%
Term76-84 months
Last UpdatedMay 18, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedMay 18, 2026
Details
As Low As
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
New and Used Auto Loans
5.49%
72 mo
▼
APR5.49%
Term72 mo
Last UpdatedMay 22, 2026
Details
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
NEW VEHICLE Loan
5.49%
96 Months
▼
APR5.49%
Term96 Months
Last UpdatedMay 22, 2026
Details
Up to 100% Financing
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
7101 Supra Dr SW, Albany, OR, 97321
New Auto
5.49%
61 to 72
▼
APR5.49%
Term61 to 72
Last UpdatedMay 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
5.50%
Up to 42 Months
▼
APR5.50%
TermUp to 42 Months
Last UpdatedMay 22, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedJun 1, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
1004 Pacific Ave, Hood River, OR, 97031 1961
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 22, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
1004 Pacific Ave, Hood River, OR, 97031 1961
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 22, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2023 & Newer Auto Loans (Cars, trucks & vans)
5.74%
36 - 60
▼
APR5.74%
Term36 - 60
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
New auto
5.74%
36-60 months
▼
APR5.74%
Term36-60 months
Last UpdatedMay 18, 2026
Details
2023 and newer
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 18, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
1004 Pacific Ave, Hood River, OR, 97031 1961
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 22, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2023 & Newer Auto Loans (Cars, trucks & vans)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
New auto
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMay 18, 2026
Details
2023 and newer
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
New and Used Auto Loans
5.99%
84 mo
▼
APR5.99%
Term84 mo
Last UpdatedMay 22, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2023 & Newer Auto Loans (Cars, trucks & vans)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
New auto
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedMay 18, 2026
Details
2023 and newer
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
New and Used Auto Loans
6.49%
96 mo
▼
APR6.49%
Term96 mo
Last UpdatedMay 22, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
6.50%
Up to 90 months
▼
APR6.50%
TermUp to 90 months
Last UpdatedMay 22, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2023 & Newer Auto Loans (Cars, trucks & vans)
7.24%
96 Months
▼
APR7.24%
Term96 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
New auto
7.24%
96 months
▼
APR7.24%
Term96 months
Last UpdatedMay 18, 2026
Details
2023 and newer
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1980 NW 9th St, Corvallis, OR, 97330 2179
New auto (2025 - 2027)
7.43%
85-96 months
▼
APR7.43%
Term85-96 months
Last UpdatedMay 20, 2026
Details
As Low As
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
7101 Supra Dr SW, Albany, OR, 97321
New Auto
7.89%
85 to 96
▼
APR7.89%
Term85 to 96
Last UpdatedMay 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
8.30%
Up to 90 months
▼
APR8.30%
TermUp to 90 months
Last UpdatedMay 22, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
16.65%
Up to 42 Months
▼
APR16.65%
TermUp to 42 Months
Last UpdatedMay 22, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
17.75%
Up to 66 months
▼
APR17.75%
TermUp to 66 months
Last UpdatedMay 22, 2026
Details
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MonitorBankRates
Oregon Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2438 Broadway Ave, North Bend, OR, 97459
New or Used Auto Loans
3.85%
72 Months
▼
APR3.85%
Term72 Months
Last UpdatedMay 29, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
Used Vehicles Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
12630 SE Division St, Portland, OR, 97236 3132
Used Auto
4.74%
2016 - 2024
▼
APR4.74%
Term2016 - 2024
Last UpdatedMay 18, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJun 1, 2026
Details
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.75%
12550 SE 93rd Ave, Clackamas, OR, 97015
New/Used Autos Fixed
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As; Regular APR: 13.35%
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
New and Used Auto Loans
4.99%
36 mo
▼
APR4.99%
Term36 mo
Last UpdatedMay 22, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
Used Vehicles Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.75%
12550 SE 93rd Ave, Clackamas, OR, 97015
New/Used Autos Fixed
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 18, 2026
Details
As Low As; Regular APR: 13.60%
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
11620 NE Ainsworth Cir, Portland, OR, 97220
Used Vehicles Loan
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedMay 22, 2026
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 3.20%
4620 SE International Way Ste 105, Milwaukie, OR, 97222
Used Auto
5.24%
Up to 84 Months
▼
APR5.24%
TermUp to 84 Months
Last UpdatedJun 1, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
10333 SE Main St, Portland, OR, 97216 2940
Used Vehicle Loan
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedMay 22, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
Used Vehicles Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
5.34%
24 months
▼
APR5.34%
Term24 months
Last UpdatedMay 18, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
221 NW 2nd Ave Ste 100, Portland, OR, 97209 3959
Autos (New & Used)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Regular APR: 5.49% - 18.00%
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
New and Used Auto Loans
5.49%
72 mo
▼
APR5.49%
Term72 mo
Last UpdatedMay 22, 2026
Details
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
USED VEHICLE Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 22, 2026
Details
Amount Financed: 90% of Retail Book Value
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedJun 1, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 0.90%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
Used Vehicles Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedJun 1, 2026
Details
As Low As; New & Used Vehicles (Purchase or Refinance)
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedMay 18, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
1004 Pacific Ave, Hood River, OR, 97031 1961
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 22, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019) Loan
5.69%
42 Months
▼
APR5.69%
Term42 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR (Min)
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
1004 Pacific Ave, Hood River, OR, 97031 1961
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 22, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
5.84%
72 months
▼
APR5.84%
Term72 months
Last UpdatedMay 18, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2016-2019 Older Used Auto Loans and Other Titled Vehicles
5.89%
36-60
▼
APR5.89%
Term36-60
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.89%
36 - 60
▼
APR5.89%
Term36 - 60
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
Used auto
5.89%
36-60 months
▼
APR5.89%
Term36-60 months
Last UpdatedMay 18, 2026
Details
2016-2022
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1980 NW 9th St, Corvallis, OR, 97330 2179
Used auto (2011 - 2024)
5.94%
Up to 72 months
▼
APR5.94%
TermUp to 72 months
Last UpdatedMay 20, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
1004 Pacific Ave, Hood River, OR, 97031 1961
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 22, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
New and Used Auto Loans
5.99%
84 mo
▼
APR5.99%
Term84 mo
Last UpdatedMay 22, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
7101 Supra Dr SW, Albany, OR, 97321
Used Auto
5.99%
Up to 60
▼
APR5.99%
TermUp to 60
Last UpdatedMay 23, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
6.09%
84 months
▼
APR6.09%
Term84 months
Last UpdatedMay 18, 2026
Details
As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2016-2019 Older Used Auto Loans and Other Titled Vehicles
6.14%
72 Months
▼
APR6.14%
Term72 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2020-2022 Used Auto Loans (Cars, trucks & vans)
6.14%
72 Months
▼
APR6.14%
Term72 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
Used auto
6.14%
72 months
▼
APR6.14%
Term72 months
Last UpdatedMay 18, 2026
Details
2016-2022
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
12630 SE Division St, Portland, OR, 97236 3132
Used Auto
6.24%
2015 and Older
▼
APR6.24%
Term2015 and Older
Last UpdatedMay 18, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019) Loan
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR (Min)
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
New and Used Auto Loans
6.49%
96 mo
▼
APR6.49%
Term96 mo
Last UpdatedMay 22, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
7101 Supra Dr SW, Albany, OR, 97321
Used Auto
6.49%
73 to 84
▼
APR6.49%
Term73 to 84
Last UpdatedMay 23, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
2020-2022 Used Auto Loans (Cars, trucks & vans)
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedMay 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2701 NW Vaughn St, Portland, OR, 97210
Used auto
6.59%
84 months
▼
APR6.59%
Term84 months
Last UpdatedMay 18, 2026
Details
2016-2022
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1980 NW 9th St, Corvallis, OR, 97330 2179
Used auto (2011 - 2024)
6.93%
73-84 months
▼
APR6.93%
Term73-84 months
Last UpdatedMay 20, 2026
Details
As Low As
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
6.99%
1-60 months
▼
APR6.99%
Term1-60 months
Last UpdatedMay 18, 2026
Details
As Low As; For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments.
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
11619 Island Ave, Island City, OR, 97850
Used Vehicle
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019) Loan
7.19%
90 Months
▼
APR7.19%
Term90 Months
Last UpdatedMay 22, 2026
Details
As Low As; APR (Min)
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1980 NW 9th St, Corvallis, OR, 97330 2179
Used auto (2011 - 2024)
7.68%
85-96 months
▼
APR7.68%
Term85-96 months
Last UpdatedMay 20, 2026
Details
As Low As
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
USED VEHICLE TEN YEARS OR OLDER Loan
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Amount Financed: 80% of Retail Book Value
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
7101 Supra Dr SW, Albany, OR, 97321
Used Auto
8.14%
85 to 96
▼
APR8.14%
Term85 to 96
Last UpdatedMay 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019) Loan
8.89%
90 Months
▼
APR8.89%
Term90 Months
Last UpdatedMay 22, 2026
Details
APR (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019) Loan
16.24%
66 Months
▼
APR16.24%
Term66 Months
Last UpdatedMay 22, 2026
Details
APR (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019) Loan
17.44%
42 Months
▼
APR17.44%
Term42 Months
Last UpdatedMay 22, 2026
Details
APR (Max)
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Oregon Auto Loan Rate Trends
Compare local Oregon 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.
New Auto Loan — OR Avg
6.435%
▼ 0.021 vs 7 days ago
Oregon new auto rates fell 0.021 points over the past 7 days to 6.435% APR.
Used Auto Loan — OR Avg
6.594%
▼ 0.015 vs 7 days ago
Oregon used auto rates fell 0.015 points over the past 7 days to 6.594% APR.
As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Oregon 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 Oregon 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 Oregon. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in OR.
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 Oregon
How does my credit score affect my car loan rate in Oregon?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Oregon with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Oregon *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Oregon typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Oregon?
Based on our current data, some of the lowest auto loan rates available in Oregon include:
- South Coast ILWU Federal Credit Union: 3.85% (New or Used Auto Loans)
- Ironworkers USA Federal Credit Union: 4.24% (New Vehicles Loan)
- EWEB EMPLOYEES: 4.25% (New & Used Vehicles (Purchase or Refinance) New)
- NW Priority Credit Union: 4.49% (Purchase New Auto or Refinance)
- Potlatch No 1 Financial Credit Union: 4.74% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Oregon. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 1, 2026
Auto Loan Rates by City in Oregon
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