Auto Loan Rates in Pacific City, Oregon (OR) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Pacific City, Oregon include South Coast ILWU Federal Credit UnionSouth Coast ILWU Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New Auto Loans at 3.85%, Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit UnionC+4.2 ★Texas Ratio: 23.15% offering New Vehicles Loan at 4.24%, NW Priority Credit UnionNW Priority Credit UnionA+5.0 ★Texas Ratio: 0.71% offering Purchase New Auto or Refinance at 4.49%, Flasher Community Credit UnionFlasher Community Credit UnionA5.0 ★Texas Ratio: 5.93% offering Auto Loans at 4.49%, Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit UnionA+5.0 ★Texas Ratio: 4.06% offering Auto Loan at 4.74%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Pacific City borrowers have access to 23 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 Pacific City, Oregon. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Pacific City, Oregon & Surrounding Area
Pacific City Auto Loan Rates
Rate reflects a 0.25% discount for loan being set up on autopay and a 0.25% discount for setting up an active Capital Credit Union checking account. Rates vary based on loan term and credit history / qualifications. All loans subject to credit approval. Fees may apply. Cannot be combined with other discounts or offers. Subject to change at any time and without notice.
As Low As
As Low As; 2024 & Newer
As Low As
As Low As; Current auto rates range from 4.99% to 18.00% APR. Loan based on approved credit. Rates subject to change without notice. See Rates for full details.
As Low As; 2024 & Newer
Estimated minimum monthly payment: $292.37 based on a 60 month, $15,000 loan at 6.34% APR*
As Low As; 16.65%
Estimated minimum monthly payment: $294.48 based on a 60 month, $15,000 loan at 6.64% APR*
APR* (Min)
As Low As; Maximum term dependent on purchase price and mileage. Auto loans up to $10,000: maximum term 60 months. Auto loans $20,000 or more: maximum term 84 months. Gas vehicles exceeding 120,000 miles: maximum term 72 months. Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles. Purchase: Front end LTV >100%, add .25%; >110%, add .50%; >120%, add .75%. Maximum LTV 130%. Refinance: Back end LTV >100%, add .25%. Maximum LTV 130%. Add 1% for Drive4Less loans.
As Low As; 17.24%
As Low As; 2018-2023
Estimated minimum monthly payment: $252.79 based on a 72 month, $15,000 loan at 6.59% APR*
As Low As; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
As Low As; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
As Low As; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
Estimated minimum monthly payment: $254.94 based on a 72 month, $15,000 loan at 6.89% APR*
APR (High): 17.04%; Rate discounts available for automatic payment and Member Merits.
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+; Loan to Value: Below 80%: -0.5% | 81%-100%: Base rate | 101% & Above: +0.5%; No Automatic Payment: +0.25% | Mileage above 125,000 miles: +1%; Green Auto: -0.25%; Floor Rate is 2.49%
As Low As; 2018-2023
Up to 100% Financing
90% of Retail Book Value
Estimated minimum monthly payment: $226.68 based on a 84 month, $15,000 loan at 7.04% APR*
As Low As; on new or used vehicles
As Low As; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
APR* (Min)
As Low As; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
APR (High): 17.53%; Rate discounts available for automatic payment and Member Merits.
As Low As; 7.84%
As Low As; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
As Low As; 2018-2023
APR* (Min)
APR (High): 17.79%; Rate discounts available for automatic payment and Member Merits.
As Low As
As Low As; 2017 & Older
As Low As*; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
Estimated minimum monthly payment: $369.38 based on a 96 month, $25,000 loan at 9.24% APR*
APR (High): 17.53%; Rate discounts available for automatic payment and Member Merits.
APR (High): 12.53%; Rate discounts available for automatic payment and Member Merits.
80% of Retail Book Value
APR* (Max)
APR* (Max)
APR* (Max)
Pacific City New Auto Auto Loan Rates
As Low As; Current auto rates range from 4.99% to 18.00% APR. Loan based on approved credit. Rates subject to change without notice. See Rates for full details.
Estimated minimum monthly payment: $292.37 based on a 60 month, $15,000 loan at 6.34% APR*
As Low As; 16.65%
As Low As; 17.24%
Estimated minimum monthly payment: $252.79 based on a 72 month, $15,000 loan at 6.59% APR*
APR (High): 17.04%; Rate discounts available for automatic payment and Member Merits.
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+; Loan to Value: Below 80%: -0.5% | 81%-100%: Base rate | 101% & Above: +0.5%; No Automatic Payment: +0.25% | Mileage above 125,000 miles: +1%; Green Auto: -0.25%; Floor Rate is 2.49%
Up to 100% Financing
Estimated minimum monthly payment: $226.68 based on a 84 month, $15,000 loan at 7.04% APR*
As Low As; 7.84%
Estimated minimum monthly payment: $369.38 based on a 96 month, $25,000 loan at 9.24% APR*
APR (High): 17.53%; Rate discounts available for automatic payment and Member Merits.
Pacific City Used Auto Auto Loan Rates
Estimated minimum monthly payment: $294.48 based on a 60 month, $15,000 loan at 6.64% APR*
APR* (Min)
As Low As; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
As Low As; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
As Low As; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
Estimated minimum monthly payment: $254.94 based on a 72 month, $15,000 loan at 6.89% APR*
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+; Loan to Value: Below 80%: -0.5% | 81%-100%: Base rate | 101% & Above: +0.5%; No Automatic Payment: +0.25% | Mileage above 125,000 miles: +1%; Green Auto: -0.25%; Floor Rate is 2.49%
90% of Retail Book Value
As Low As; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
APR* (Min)
As Low As; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
APR (High): 17.53%; Rate discounts available for automatic payment and Member Merits.
As Low As; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
APR* (Min)
APR (High): 17.79%; Rate discounts available for automatic payment and Member Merits.
As Low As
As Low As*; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
APR (High): 12.53%; Rate discounts available for automatic payment and Member Merits.
80% of Retail Book Value
APR* (Max)
APR* (Max)
APR* (Max)
Pacific City, OR Auto Loan Rate Trends
Compare local Pacific City, 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.
Oregon new auto rates rose 0.167 points over the past 7 days to 5.933% APR.
Oregon used auto rates fell 0.288 points over the past 7 days to 7.959% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Pacific City, 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 Pacific City, 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 Pacific City, 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 Pacific City, Oregon
How does my credit score affect my car loan rate in Oregon?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Pacific City, Oregon?
- South Coast ILWU Federal Credit Union: 3.85% (New Auto Loans)
- Ironworkers USA Federal Credit Union: 4.24% (New Vehicles Loan)
- NW Priority Credit Union: 4.49% (Purchase New Auto or Refinance)
- Flasher Community Credit Union: 4.49% (Auto Loans)
- Potlatch No 1 Financial Credit Union: 4.74% (Auto Loan)
Pacific City, Oregon Rates & Resources
