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Auto Loan Rates in Joseph, Oregon (OR) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| i Editorial Disclosure
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 Joseph, Oregon. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 19, 2026

Current auto loan rates in Joseph, Oregon include South Coast ILWU Federal Credit UnionSouth Coast ILWU Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New or Used Auto Loans at 3.85%, Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit UnionC+4.2 ★Texas Ratio: 24.46% offering New Vehicles at 4.24%, EWEB EMPLOYEESEWEB EMPLOYEESC+4.1 ★Texas Ratio: 25.28% offering New & Used Vehicles (Purchase or Refinance) at 4.25%, NW Priority Credit UnionNW Priority Credit UnionA+5.0 ★Texas Ratio: 0.73% offering Purchase New Auto or Refinance at 4.49%, Rogue Credit UnionRogue Credit UnionA+5.0 ★Texas Ratio: 5.00% offering Newer (2023 and Newer) Auto Loans at 4.49%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Joseph borrowers have access to 19 lenders serving the Oregon area, with auto loan rates as low as 3.85% APR from South Coast ILWU Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Joseph, Oregon. Auto Loan Rates Last Updated and Verified: April 19, 2026

Compare Auto Loan Rates Today in Joseph, Oregon & Surrounding Area

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%
New or Used Auto Loans
3.85%
72 Months
View
▼
APR3.85%
Term72 Months
Last UpdatedApr 18, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
New Vehicles
4.24%
36-84 months
View
▼
APR4.24%
Term36-84 months
Last UpdatedApr 18, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; New

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New Vehicles
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Purchase New Auto or Refinance
4.49%
2025 and Newer
View
▼
APR4.49%
Term2025 and Newer
Last UpdatedApr 19, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.49%
36 Month
View
▼
APR4.49%
Term36 Month
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
Used Vehicles
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedApr 19, 2026
Details

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Auto Loan
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As; 2024 & Newer

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2015 - 2024
View
▼
APR4.74%
Term2015 - 2024
Last UpdatedApr 19, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
4.74%
36 Month
View
▼
APR4.74%
Term36 Month
Last UpdatedApr 19, 2026
Details

As Low As

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; New

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New Vehicles
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
4.80%
60 Months
View
▼
APR4.80%
Term60 Months
Last UpdatedApr 19, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Auto Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As; 2024 & Newer

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
4.99%
24 months
View
▼
APR4.99%
Term24 months
Last UpdatedApr 19, 2026
Details

As Low As

Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Regular APR: 13.35%

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.99%
72 Month
View
▼
APR4.99%
Term72 Month
Last UpdatedApr 19, 2026
Details

As Low As

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
4.99%
60 Month
View
▼
APR4.99%
Term60 Month
Last UpdatedApr 19, 2026
Details

As Low As

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
New Auto
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New Vehicles
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
Used Vehicles
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedApr 19, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
5.01%
84 Months
View
▼
APR5.01%
Term84 Months
Last UpdatedApr 19, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.04%
Up to 36
View
▼
APR5.04%
TermUp to 36
Last UpdatedApr 19, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2017-2021 Auto Loan
5.20%
36 Months
View
▼
APR5.20%
Term36 Months
Last UpdatedApr 19, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
View
▼
APR5.24%
Term36-84 months
Last UpdatedApr 18, 2026
Details

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Auto Loan
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As; 2018-2023

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.24%
37-60
View
▼
APR5.24%
Term37-60
Last UpdatedApr 19, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedApr 19, 2026
Details

As Low As

Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Regular APR: 13.60%

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
5.24%
72 Month
View
▼
APR5.24%
Term72 Month
Last UpdatedApr 19, 2026
Details

As Low As

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
Used Auto
5.24%
Up to 84 Months
View
▼
APR5.24%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Vehicles
5.25%
24-84
View
▼
APR5.25%
Term24-84
Last UpdatedApr 18, 2026
Details

Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Used Vehicle
5.25%
24-84
View
▼
APR5.25%
Term24-84
Last UpdatedApr 18, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New Vehicles
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
Used Vehicles
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2017-2021 Auto Loan
5.30%
60 Months
View
▼
APR5.30%
Term60 Months
Last UpdatedApr 19, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.34%
61-66
View
▼
APR5.34%
Term61-66
Last UpdatedApr 19, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2017-2021 Auto Loan
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedApr 19, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.44%
67-75
View
▼
APR5.44%
Term67-75
Last UpdatedApr 19, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
New auto (2025 - 2027)
5.44%
Up to 72 months
View
▼
APR5.44%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Auto Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As; 2018-2023

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
NEW VEHICLE
5.49%
96 Months
View
▼
APR5.49%
Term96 Months
Last UpdatedApr 18, 2026
Details

Up to 100% Financing

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
USED VEHICLE
5.49%
84 Months**
View
▼
APR5.49%
Term84 Months**
Last UpdatedApr 18, 2026
Details

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedApr 19, 2026
Details

As Low As

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
5.49%
84 Month
View
▼
APR5.49%
Term84 Month
Last UpdatedApr 19, 2026
Details

As Low As

Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Member Appreciation Auto Loan Special
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; *some restrictions apply

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
Used Vehicles
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2017-2021 Auto Loan
5.51%
84 Months
View
▼
APR5.51%
Term84 Months
Last UpdatedApr 19, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
View
▼
APR5.54%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
View
▼
APR5.64%
Term61 - 72 months
Last UpdatedApr 17, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
View
▼
APR5.69%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2016 & Older Auto Loan
5.70%
36 Months
View
▼
APR5.70%
Term36 Months
Last UpdatedApr 19, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedApr 19, 2026
Details

As Low As

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
5.74%
84 Month
View
▼
APR5.74%
Term84 Month
Last UpdatedApr 19, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
View
▼
APR5.79%
Term61 - 72 months
Last UpdatedApr 17, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2016 & Older Auto Loan
5.80%
60 Months
View
▼
APR5.80%
Term60 Months
Last UpdatedApr 19, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
View
▼
APR5.84%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2016 & Older Auto Loan
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
5.94%
Up to 72 months
View
▼
APR5.94%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Autos (New & Used)
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As; Regular APR: 5.99% - 18.00%

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
View
▼
APR5.99%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
5.99%
96 Month
View
▼
APR5.99%
Term96 Month
Last UpdatedApr 19, 2026
Details

As Low As

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2016 & Older Auto Loan
6.01%
84 Months
View
▼
APR6.01%
Term84 Months
Last UpdatedApr 19, 2026
Details

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Auto Loan
6.24%
84 months
View
▼
APR6.24%
Term84 months
Last UpdatedApr 18, 2026
Details

As Low As; 2018-2023

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2014 and Older
View
▼
APR6.24%
Term2014 and Older
Last UpdatedApr 19, 2026
Details

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
6.49%
96 Months
View
▼
APR6.49%
Term96 Months
Last UpdatedApr 18, 2026
Details

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
6.93%
73-84 months
View
▼
APR6.93%
Term73-84 months
Last UpdatedApr 19, 2026
Details

As Low As

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Auto Loan
6.99%
36 months
View
▼
APR6.99%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As; 2017 & Older

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
7.24%
48 Months
View
▼
APR7.24%
Term48 Months
Last UpdatedApr 18, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
New auto (2025 - 2027)
7.43%
85-96 months
View
▼
APR7.43%
Term85-96 months
Last UpdatedApr 19, 2026
Details

As Low As

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
7.49%
84 Months
View
▼
APR7.49%
Term84 Months
Last UpdatedApr 18, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
7.68%
85-96 months
View
▼
APR7.68%
Term85-96 months
Last UpdatedApr 19, 2026
Details

As Low As

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
7.89%
96 Months
View
▼
APR7.89%
Term96 Months
Last UpdatedApr 19, 2026
Details

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
USED VEHICLE TEN YEARS OR OLDER
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

Amount Financed: 80% of Retail Book Value

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
8.14%
96 Months
View
▼
APR8.14%
Term96 Months
Last UpdatedApr 19, 2026
Details

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
8.24%
120 Months
View
▼
APR8.24%
Term120 Months
Last UpdatedApr 18, 2026
Details

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
8.49%
144 Months
View
▼
APR8.49%
Term144 Months
Last UpdatedApr 18, 2026
Details

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
8.74%
180 Months
View
▼
APR8.74%
Term180 Months
Last UpdatedApr 18, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
First Time Auto Buyer Loan
11.50%
60 Months
View
▼
APR11.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
New Auto
15.99%
Up to 84 Months
View
▼
APR15.99%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
Used Auto
16.24%
Up to 84 Months
View
▼
APR16.24%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

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%
New or Used Auto Loans
3.85%
72 Months
View
▼
APR3.85%
Term72 Months
Last UpdatedApr 18, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
New Vehicles
4.24%
36-84 months
View
▼
APR4.24%
Term36-84 months
Last UpdatedApr 18, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; New

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New Vehicles
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Purchase New Auto or Refinance
4.49%
2025 and Newer
View
▼
APR4.49%
Term2025 and Newer
Last UpdatedApr 19, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.49%
36 Month
View
▼
APR4.49%
Term36 Month
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedApr 19, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; New

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New Vehicles
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
4.80%
60 Months
View
▼
APR4.80%
Term60 Months
Last UpdatedApr 19, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
4.99%
24 months
View
▼
APR4.99%
Term24 months
Last UpdatedApr 19, 2026
Details

As Low As

Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Regular APR: 13.35%

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.99%
72 Month
View
▼
APR4.99%
Term72 Month
Last UpdatedApr 19, 2026
Details

As Low As

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
New Auto
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New Vehicles
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
5.01%
84 Months
View
▼
APR5.01%
Term84 Months
Last UpdatedApr 19, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.04%
Up to 36
View
▼
APR5.04%
TermUp to 36
Last UpdatedApr 19, 2026
Details

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.24%
37-60
View
▼
APR5.24%
Term37-60
Last UpdatedApr 19, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedApr 19, 2026
Details

As Low As

Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Regular APR: 13.60%

Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Vehicles
5.25%
24-84
View
▼
APR5.25%
Term24-84
Last UpdatedApr 18, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New Vehicles
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.34%
61-66
View
▼
APR5.34%
Term61-66
Last UpdatedApr 19, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.44%
67-75
View
▼
APR5.44%
Term67-75
Last UpdatedApr 19, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
New auto (2025 - 2027)
5.44%
Up to 72 months
View
▼
APR5.44%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
NEW VEHICLE
5.49%
96 Months
View
▼
APR5.49%
Term96 Months
Last UpdatedApr 18, 2026
Details

Up to 100% Financing

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedApr 19, 2026
Details

As Low As

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
5.49%
84 Month
View
▼
APR5.49%
Term84 Month
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
View
▼
APR5.54%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
View
▼
APR5.64%
Term61 - 72 months
Last UpdatedApr 17, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedApr 19, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
View
▼
APR5.84%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details

Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Autos (New & Used)
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As; Regular APR: 5.99% - 18.00%

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
5.99%
96 Month
View
▼
APR5.99%
Term96 Month
Last UpdatedApr 19, 2026
Details

As Low As

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
New auto (2025 - 2027)
7.43%
85-96 months
View
▼
APR7.43%
Term85-96 months
Last UpdatedApr 19, 2026
Details

As Low As

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
7.89%
96 Months
View
▼
APR7.89%
Term96 Months
Last UpdatedApr 19, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
New Auto
15.99%
Up to 84 Months
View
▼
APR15.99%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

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%
New or Used Auto Loans
3.85%
72 Months
View
▼
APR3.85%
Term72 Months
Last UpdatedApr 18, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; New

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
Used Vehicles
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2015 - 2024
View
▼
APR4.74%
Term2015 - 2024
Last UpdatedApr 19, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; New

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Regular APR: 13.35%

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
Used Vehicles
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedApr 19, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
View
▼
APR5.24%
Term36-84 months
Last UpdatedApr 18, 2026
Details

Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Regular APR: 13.60%

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
Used Auto
5.24%
Up to 84 Months
View
▼
APR5.24%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Used Vehicle
5.25%
24-84
View
▼
APR5.25%
Term24-84
Last UpdatedApr 18, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
Used Vehicles
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
USED VEHICLE
5.49%
84 Months**
View
▼
APR5.49%
Term84 Months**
Last UpdatedApr 18, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
Used Vehicles
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
View
▼
APR5.69%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
View
▼
APR5.79%
Term61 - 72 months
Last UpdatedApr 17, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
5.94%
Up to 72 months
View
▼
APR5.94%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Autos (New & Used)
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As; Regular APR: 5.99% - 18.00%

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
View
▼
APR5.99%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2014 and Older
View
▼
APR6.24%
Term2014 and Older
Last UpdatedApr 19, 2026
Details

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
6.93%
73-84 months
View
▼
APR6.93%
Term73-84 months
Last UpdatedApr 19, 2026
Details

As Low As

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
7.68%
85-96 months
View
▼
APR7.68%
Term85-96 months
Last UpdatedApr 19, 2026
Details

As Low As

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
USED VEHICLE TEN YEARS OR OLDER
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

Amount Financed: 80% of Retail Book Value

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
8.14%
96 Months
View
▼
APR8.14%
Term96 Months
Last UpdatedApr 19, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
Used Auto
16.24%
Up to 84 Months
View
▼
APR16.24%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

Joseph, OR Auto Loan Rate Trends

Compare local Joseph, OR 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.

View Full Oregon Auto Trends →
New Auto Loan — OR Avg
5.769%
▼ 0.269 vs 7 days ago

Oregon new auto rates fell 0.269 points over the past 7 days to 5.769% APR.

Used Auto Loan — OR Avg
6.611%
▼ 0.318 vs 7 days ago

Oregon used auto rates fell 0.318 points over the past 7 days to 6.611% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Joseph, 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 Joseph, 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 Joseph, 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 Joseph, Oregon?

Based on our current data, some of the lowest auto loan rates available in Joseph, Oregon include:
  • South Coast ILWU Federal Credit Union: 3.85% (New or Used Auto Loans)
  • Ironworkers USA Federal Credit Union: 4.24% (New Vehicles)
  • EWEB EMPLOYEES: 4.25% (New & Used Vehicles (Purchase or Refinance))
  • NW Priority Credit Union: 4.49% (Purchase New Auto or Refinance)
  • Rogue Credit Union: 4.49% (Newer (2023 and Newer) Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Joseph, Oregon. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026

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