Auto Loan Rates in Portland, Oregon (OR) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Portland, Oregon. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Portland, Oregon include Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit Union11620 NE Ainsworth Cir, Portland, OR, 97220C+4.2 ★Texas Ratio: 24.46% offering New Vehicles at 4.24%, NW Priority Credit UnionNW Priority Credit Union12630 SE Division St, Portland, OR, 97236 3132A+5.0 ★Texas Ratio: 0.73% offering Purchase New Auto or Refinance at 4.49%, Oregonians Credit UnionOregonians Credit Union336 NE 20th Ave, Portland, OR, 97232 2805A+5.0 ★Texas Ratio: 4.77% offering 2022 & Newer Auto Loan at 4.70%, Teamsters Council #37 Federal Credit UnionTeamsters Council #37 Federal Credit Union1866 NE 162nd Ave, Portland, OR, 97230 5642A+5.0 ★Texas Ratio: 0.55% offering Auto Loan at 4.74%, Point West Credit UnionPoint West Credit Union5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283A+5.0 ★Texas Ratio: 4.60% offering New Vehicle Loan (2023 and newer) at 4.99%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Portland has 10 local institutions in our database, with auto loan rates as low as 4.24% APR from Ironworkers USA Federal Credit Union at 11620 NE Ainsworth Cir, Portland, OR, 97220. 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 Portland, Oregon. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in Portland, Oregon & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
11620 NE Ainsworth Cir, Portland, OR, 97220
New Vehicles
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedApr 18, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
12630 SE Division St, Portland, OR, 97236 3132
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedApr 19, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2022 & Newer Auto Loan
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedApr 19, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
4.74%
36 months
▼
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%
12630 SE Division St, Portland, OR, 97236 3132
Used Auto
4.74%
2015 - 2024
▼
APR4.74%
Term2015 - 2024
Last UpdatedApr 19, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2022 & Newer Auto Loan
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedApr 19, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2022 & Newer Auto Loan
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedApr 19, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
4.99%
60 months
▼
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%
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 UpdatedApr 19, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
18676 E Burnside St, Portland, OR, 97233 5319
New/Used Autos Fixed
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Regular APR: 13.35%
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2022 & Newer Auto Loan
5.01%
84 Months
▼
APR5.01%
Term84 Months
Last UpdatedApr 19, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.04%
Up to 36
▼
APR5.04%
TermUp to 36
Last UpdatedApr 19, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2017-2021 Auto Loan
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedApr 19, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
11620 NE Ainsworth Cir, Portland, OR, 97220
Used Vehicles
5.24%
36-84 months
▼
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%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedApr 18, 2026
Details
As Low As; 2018-2023
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.24%
37-60
▼
APR5.24%
Term37-60
Last UpdatedApr 19, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
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 UpdatedApr 19, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
18676 E Burnside St, Portland, OR, 97233 5319
New/Used Autos Fixed
5.24%
84 Months
▼
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%
10333 SE Main St, Portland, OR, 97216 2940
New Vehicles
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedApr 18, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
10333 SE Main St, Portland, OR, 97216 2940
Used Vehicle
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedApr 18, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2017-2021 Auto Loan
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedApr 19, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.34%
61-66
▼
APR5.34%
Term61-66
Last UpdatedApr 19, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2017-2021 Auto Loan
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedApr 19, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.44%
67-75
▼
APR5.44%
Term67-75
Last UpdatedApr 19, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedApr 18, 2026
Details
As Low As; 2018-2023
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
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 UpdatedApr 19, 2026
Details
As Low As
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
10333 SE Main St, Portland, OR, 97216 2940
Member Appreciation Auto Loan Special
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; *some restrictions apply
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2017-2021 Auto Loan
5.51%
84 Months
▼
APR5.51%
Term84 Months
Last UpdatedApr 19, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
12005 NE Erin Way, Portland, OR, 97220
New Auto
5.54%
Up to 60 months
▼
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%
12005 NE Erin Way, Portland, OR, 97220
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedApr 17, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
12005 NE Erin Way, Portland, OR, 97220
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2016 & Older Auto Loan
5.70%
36 Months
▼
APR5.70%
Term36 Months
Last UpdatedApr 19, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
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 UpdatedApr 19, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
12005 NE Erin Way, Portland, OR, 97220
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedApr 17, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2016 & Older Auto Loan
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedApr 19, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
12005 NE Erin Way, Portland, OR, 97220
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2016 & Older Auto Loan
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedApr 19, 2026
Details
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)
5.99%
84 months
▼
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%
12005 NE Erin Way, Portland, OR, 97220
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2016 & Older Auto Loan
6.01%
84 Months
▼
APR6.01%
Term84 Months
Last UpdatedApr 19, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
6.24%
84 months
▼
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%
12630 SE Division St, Portland, OR, 97236 3132
Used Auto
6.24%
2014 and Older
▼
APR6.24%
Term2014 and Older
Last UpdatedApr 19, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
6.99%
36 months
▼
APR6.99%
Term36 months
Last UpdatedApr 18, 2026
Details
As Low As; 2017 & Older
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
First Time Auto Buyer Loan
11.50%
60 Months
▼
APR11.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Auto Loans
3.85%
72 Months
▼
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
▼
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
▼
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.25%
Term36 Months
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
▼
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
▼
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
▼
APR4.50%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.50%
Term36 Months
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
▼
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
▼
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
▼
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
▼
APR4.75%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.75%
Term48 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
▼
APR4.89%
Term72 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
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.99%
72 Month
▼
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
▼
APR4.99%
Term60 Month
Last UpdatedApr 19, 2026
Details
As Low As
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
▼
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
▼
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
▼
APR5.00%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
APR5.00%
Term48 Months
Last UpdatedApr 19, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
5.24%
72 Month
▼
APR5.24%
Term72 Month
Last UpdatedApr 19, 2026
Details
As Low As
APR5.24%
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)
5.25%
72 Months
▼
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
▼
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
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR5.25%
Term84 Months
Last UpdatedApr 19, 2026
Details
APR5.25%
Term72 Months
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
▼
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
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
NEW VEHICLE
5.49%
96 Months
▼
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**
▼
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
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
5.49%
84 Month
▼
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
▼
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
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
5.74%
84 Month
▼
APR5.74%
Term84 Month
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)
5.94%
Up to 72 months
▼
APR5.94%
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
5.99%
84 Months
▼
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
▼
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
▼
APR5.99%
Term96 Month
Last UpdatedApr 19, 2026
Details
As Low As
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
6.49%
96 Months
▼
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
▼
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
▼
APR6.93%
Term73-84 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
7.24%
48 Months
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
APR8.74%
Term180 Months
Last UpdatedApr 18, 2026
Details
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
▼
APR16.24%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
11620 NE Ainsworth Cir, Portland, OR, 97220
New Vehicles
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedApr 18, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
12630 SE Division St, Portland, OR, 97236 3132
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedApr 19, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2022 & Newer Auto Loan
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedApr 19, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2022 & Newer Auto Loan
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedApr 19, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2022 & Newer Auto Loan
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedApr 19, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
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 UpdatedApr 19, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
18676 E Burnside St, Portland, OR, 97233 5319
New/Used Autos Fixed
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Regular APR: 13.35%
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
336 NE 20th Ave, Portland, OR, 97232 2805
2022 & Newer Auto Loan
5.01%
84 Months
▼
APR5.01%
Term84 Months
Last UpdatedApr 19, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.04%
Up to 36
▼
APR5.04%
TermUp to 36
Last UpdatedApr 19, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.24%
37-60
▼
APR5.24%
Term37-60
Last UpdatedApr 19, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
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 UpdatedApr 19, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
18676 E Burnside St, Portland, OR, 97233 5319
New/Used Autos Fixed
5.24%
84 Months
▼
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%
10333 SE Main St, Portland, OR, 97216 2940
New Vehicles
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedApr 18, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.34%
61-66
▼
APR5.34%
Term61-66
Last UpdatedApr 19, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.44%
67-75
▼
APR5.44%
Term67-75
Last UpdatedApr 19, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
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 UpdatedApr 19, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
12005 NE Erin Way, Portland, OR, 97220
New Auto
5.54%
Up to 60 months
▼
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%
12005 NE Erin Way, Portland, OR, 97220
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedApr 17, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
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 UpdatedApr 19, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
12005 NE Erin Way, Portland, OR, 97220
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details
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)
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedApr 17, 2026
Details
As Low As; Regular APR: 5.99% - 18.00%
South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Auto Loans
3.85%
72 Months
▼
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
▼
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
▼
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.25%
Term36 Months
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
▼
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
▼
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
▼
APR4.50%
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)
4.75%
48 Months
▼
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
▼
APR4.75%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.75%
Term48 Months
Last UpdatedApr 19, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.99%
72 Month
▼
APR4.99%
Term72 Month
Last UpdatedApr 19, 2026
Details
As Low As
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
▼
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
▼
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
▼
APR5.00%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.25%
72 Months
▼
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
▼
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
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR5.25%
Term84 Months
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
▼
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
▼
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
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
5.49%
84 Month
▼
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
▼
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
▼
APR5.50%
Term84 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
5.99%
96 Month
▼
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
▼
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
▼
APR7.89%
Term96 Months
Last UpdatedApr 19, 2026
Details
APR15.99%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
12630 SE Division St, Portland, OR, 97236 3132
Used Auto
4.74%
2015 - 2024
▼
APR4.74%
Term2015 - 2024
Last UpdatedApr 19, 2026
Details
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
18676 E Burnside St, Portland, OR, 97233 5319
New/Used Autos Fixed
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Regular APR: 13.35%
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
11620 NE Ainsworth Cir, Portland, OR, 97220
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedApr 18, 2026
Details
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
18676 E Burnside St, Portland, OR, 97233 5319
New/Used Autos Fixed
5.24%
84 Months
▼
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%
10333 SE Main St, Portland, OR, 97216 2940
Used Vehicle
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedApr 18, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
12005 NE Erin Way, Portland, OR, 97220
Used Auto
5.69%
Up to 60 months
▼
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%
12005 NE Erin Way, Portland, OR, 97220
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedApr 17, 2026
Details
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)
5.99%
84 months
▼
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%
12005 NE Erin Way, Portland, OR, 97220
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
12630 SE Division St, Portland, OR, 97236 3132
Used Auto
6.24%
2014 and Older
▼
APR6.24%
Term2014 and Older
Last UpdatedApr 19, 2026
Details
South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Auto Loans
3.85%
72 Months
▼
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
▼
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
▼
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
▼
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
▼
APR4.50%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.50%
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
▼
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
▼
APR4.75%
Term48 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)
5.00%
48 Months
▼
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
▼
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
▼
APR5.00%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR5.00%
Term48 Months
Last UpdatedApr 19, 2026
Details
APR5.24%
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)
5.25%
72 Months
▼
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
▼
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
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
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**
▼
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
▼
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
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR5.50%
Term84 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
▼
APR5.94%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
6.49%
84 Months
▼
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
▼
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
▼
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
▼
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
▼
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
▼
APR16.24%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
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MonitorBankRates
Portland, OR Auto Loan Rate Trends
Compare local Portland, 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.
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 Portland, 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 Portland, 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 Portland, 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 Portland, Oregon?
Based on our current data, some of the lowest auto loan rates available in Portland, Oregon include:
- Ironworkers USA Federal Credit Union: 4.24% (New Vehicles)
- NW Priority Credit Union: 4.49% (Purchase New Auto or Refinance)
- Oregonians Credit Union: 4.70% (2022 & Newer Auto Loan)
- Teamsters Council #37 Federal Credit Union: 4.74% (Auto Loan)
- Point West Credit Union: 4.99% (New Vehicle Loan (2023 and newer))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Portland, Oregon. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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