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Auto Loan Rates in Salem, Oregon (OR) for May 2026

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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 Salem, 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: May 12, 2026

Current auto loan rates in Salem, Oregon include Teamsters Council #37 Federal Credit UnionTeamsters Council #37 Federal Credit Union750 Browning Ave SE, Salem, OR, 97302 3806A+5.0 ★Texas Ratio: 0.55% offering Auto Loan at 4.74%, Unitus Community Credit UnionUnitus Community Credit Union3820 Market St NE, Salem, OR, 97301 1830A+5.0 ★Texas Ratio: 4.22% offering New Autos (2025 or Newer) at 5.04%, Central Willamette Credit UnionCentral Willamette Credit Union852 Lancaster Dr SE, Salem, OR, 97317A5.0 ★Texas Ratio: 6.01% offering New Auto at 5.24%, Oregon State Credit UnionOregon State Credit Union510 Wallace Rd NW, Salem, OR, 97304 3856A+5.0 ★Texas Ratio: 3.04% offering New auto (2025 - 2027) at 5.44%, IBEW SJ Cascade Federal Credit UnionIBEW SJ Cascade Federal Credit Union1825 12th St SE Ste 130, Salem, OR, 97302 2159A+5.0 ★Texas Ratio: 0.49% offering NEW VEHICLE at 5.49%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Salem has 6 local institutions in our database, with auto loan rates as low as 4.74% APR from Teamsters Council #37 Federal Credit Union at 750 Browning Ave SE, Salem, OR, 97302 3806. 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 Salem, Oregon. Auto Loan Rates Last Updated and Verified: May 12, 2026

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

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
750 Browning Ave SE, Salem, OR, 97302 3806
Auto Loan
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedMay 7, 2026
Details

As Low As; 2024 & Newer

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
750 Browning Ave SE, Salem, OR, 97302 3806
Auto Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedMay 7, 2026
Details

As Low As; 2024 & Newer

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
3820 Market St NE, Salem, OR, 97301 1830
New Autos (2025 or Newer)
5.04%
Up to 36 months
View
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
750 Browning Ave SE, Salem, OR, 97302 3806
Auto Loan
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedMay 7, 2026
Details

As Low As; 2018-2023

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR, 97317
New Auto
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 10, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
3820 Market St NE, Salem, OR, 97301 1830
New Autos (2025 or Newer)
5.24%
37-60 months
View
▼
APR5.24%
Term37-60 months
Last UpdatedMay 10, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
3820 Market St NE, Salem, OR, 97301 1830
New Autos (2025 or Newer)
5.34%
61-66 months
View
▼
APR5.34%
Term61-66 months
Last UpdatedMay 10, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
3820 Market St NE, Salem, OR, 97301 1830
New Autos (2025 or Newer)
5.44%
67-75 months
View
▼
APR5.44%
Term67-75 months
Last UpdatedMay 10, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
510 Wallace Rd NW, Salem, OR, 97304 3856
New auto (2025 - 2027)
5.44%
Up to 72 months
View
▼
APR5.44%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details

As Low As

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
750 Browning Ave SE, Salem, OR, 97302 3806
Auto Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedMay 7, 2026
Details

As Low As; 2018-2023

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
NEW VEHICLE
5.49%
96 Months
View
▼
APR5.49%
Term96 Months
Last UpdatedMay 7, 2026
Details

Up to 100% Financing

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
USED VEHICLE
5.49%
84 Months**
View
▼
APR5.49%
Term84 Months**
Last UpdatedMay 7, 2026
Details

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR, 97317
New Auto
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 10, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans New auto (2023 and newer)
5.74%
36-60
View
▼
APR5.74%
Term36-60
Last UpdatedMay 10, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans Used auto (2016-2022)
5.89%
36-60
View
▼
APR5.89%
Term36-60
Last UpdatedMay 10, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
510 Wallace Rd NW, Salem, OR, 97304 3856
Used auto (2011 - 2024)
5.94%
Up to 72 months
View
▼
APR5.94%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details

As Low As

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR, 97317
Used Auto
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans New auto (2023 and newer)
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 10, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans Used auto (2016-2022)
6.14%
72 Months
View
▼
APR6.14%
Term72 Months
Last UpdatedMay 10, 2026
Details

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
750 Browning Ave SE, Salem, OR, 97302 3806
Auto Loan
6.24%
84 months
View
▼
APR6.24%
Term84 months
Last UpdatedMay 7, 2026
Details

As Low As; 2018-2023

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans New auto (2023 and newer)
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 10, 2026
Details

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR, 97317
Used Auto
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMay 10, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans Used auto (2020-2022)
6.59%
84 Months
View
▼
APR6.59%
Term84 Months
Last UpdatedMay 10, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
510 Wallace Rd NW, Salem, OR, 97304 3856
Used auto (2011 - 2024)
6.93%
73-84 months
View
▼
APR6.93%
Term73-84 months
Last UpdatedMay 12, 2026
Details

As Low As

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
750 Browning Ave SE, Salem, OR, 97302 3806
Auto Loan
6.99%
36 months
View
▼
APR6.99%
Term36 months
Last UpdatedMay 7, 2026
Details

As Low As; 2017 & Older

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans New auto (2023 and newer)
7.24%
96 Months
View
▼
APR7.24%
Term96 Months
Last UpdatedMay 10, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
510 Wallace Rd NW, Salem, OR, 97304 3856
New auto (2025 - 2027)
7.43%
85-96 months
View
▼
APR7.43%
Term85-96 months
Last UpdatedMay 12, 2026
Details

As Low As

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
510 Wallace Rd NW, Salem, OR, 97304 3856
Used auto (2011 - 2024)
7.68%
85-96 months
View
▼
APR7.68%
Term85-96 months
Last UpdatedMay 12, 2026
Details

As Low As

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR, 97317
New Auto
7.89%
96 Months
View
▼
APR7.89%
Term96 Months
Last UpdatedMay 10, 2026
Details

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
USED VEHICLE TEN YEARS OR OLDER
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

Amount Financed: 80% of Retail Book Value

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR, 97317
Used Auto
8.14%
96 Months
View
▼
APR8.14%
Term96 Months
Last UpdatedMay 10, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans Business specialty vehicle
10.99%
Up to 60
View
▼
APR10.99%
TermUp to 60
Last UpdatedMay 10, 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
View
▼
APR3.85%
Term72 Months
Last UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2016 - 2024
View
▼
APR4.74%
Term2016 - 2024
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 12, 2026
Details

As Low As

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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 2026
Details

As Low As

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
New Autos (Model Years 2020-2026)
4.99%
Up to 66 months
View
▼
APR4.99%
TermUp to 66 months
Last UpdatedMay 7, 2026
Details

As Low As; APR (Min)

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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details

As Low As; Regular APR: 13.35%

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 UpdatedMay 12, 2026
Details

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 UpdatedMay 12, 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 UpdatedMay 12, 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
View
▼
APR5.00%
Term48 Months
Last UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 12, 2026
Details

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 UpdatedMay 12, 2026
Details

As Low As

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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
5.34%
24 months
View
▼
APR5.34%
Term24 months
Last UpdatedMay 10, 2026
Details

As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Autos (New & Used)
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Regular APR: 5.49% - 18.00%

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 6, 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 UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 7, 2026
Details

As Low As; *some restrictions apply

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
New Autos (Model Years 2020-2026)
5.50%
Up to 42 Months
View
▼
APR5.50%
TermUp to 42 Months
Last UpdatedMay 7, 2026
Details

As Low As; APR (Min)

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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 6, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
5.59%
60 months
View
▼
APR5.59%
Term60 months
Last UpdatedMay 10, 2026
Details

As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
View
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 6, 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 UpdatedMay 6, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
5.69%
42 Months
View
▼
APR5.69%
Term42 Months
Last UpdatedMay 7, 2026
Details

As Low As; APR (Min)

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 UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 6, 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 UpdatedMay 6, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
5.84%
72 months
View
▼
APR5.84%
Term72 months
Last UpdatedMay 10, 2026
Details

As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
View
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 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 UpdatedMay 12, 2026
Details

As Low As

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
6.09%
84 months
View
▼
APR6.09%
Term84 months
Last UpdatedMay 10, 2026
Details

As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2015 and Older
View
▼
APR6.24%
Term2015 and Older
Last UpdatedMay 10, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
6.29%
66 Months
View
▼
APR6.29%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As; APR (Min)

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
6.49%
96 Months
View
▼
APR6.49%
Term96 Months
Last UpdatedMay 6, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
New Autos (Model Years 2020-2026)
6.50%
Up to 90 months
View
▼
APR6.50%
TermUp to 90 months
Last UpdatedMay 7, 2026
Details

As Low As; APR (Min)

First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
6.84%
36 Months
View
▼
APR6.84%
Term36 Months
Last UpdatedMay 5, 2026
Details

First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
6.99%
48 Months
View
▼
APR6.99%
Term48 Months
Last UpdatedMay 5, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
6.99%
1-60 months
View
▼
APR6.99%
Term1-60 months
Last UpdatedMay 10, 2026
Details

As Low As; For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments.

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
6.99%
60 Months
View
▼
APR6.99%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
7.19%
90 Months
View
▼
APR7.19%
Term90 Months
Last UpdatedMay 7, 2026
Details

As Low As; APR (Min)

First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
7.24%
60 Months
View
▼
APR7.24%
Term60 Months
Last UpdatedMay 5, 2026
Details

First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
7.64%
72 Months
View
▼
APR7.64%
Term72 Months
Last UpdatedMay 5, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
8.89%
90 Months
View
▼
APR8.89%
Term90 Months
Last UpdatedMay 7, 2026
Details

APR (Max)

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
10.00%
Up to 42 Months
View
▼
APR10.00%
TermUp to 42 Months
Last UpdatedMay 7, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
11.20%
Up to 66 months
View
▼
APR11.20%
TermUp to 66 months
Last UpdatedMay 7, 2026
Details

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
First Time Auto Buyer Loan
11.50%
Up to 60 months
View
▼
APR11.50%
TermUp to 60 months
Last UpdatedMay 12, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
12.65%
Up to 42 Months
View
▼
APR12.65%
TermUp to 42 Months
Last UpdatedMay 7, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
13.75%
Up to 66 months
View
▼
APR13.75%
TermUp to 66 months
Last UpdatedMay 7, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
16.24%
66 Months
View
▼
APR16.24%
Term66 Months
Last UpdatedMay 7, 2026
Details

APR (Max)

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
17.44%
42 Months
View
▼
APR17.44%
Term42 Months
Last UpdatedMay 7, 2026
Details

APR (Max)

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
3820 Market St NE, Salem, OR, 97301 1830
New Autos (2025 or Newer)
5.04%
Up to 36 months
View
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR, 97317
New Auto
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 10, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
3820 Market St NE, Salem, OR, 97301 1830
New Autos (2025 or Newer)
5.24%
37-60 months
View
▼
APR5.24%
Term37-60 months
Last UpdatedMay 10, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
3820 Market St NE, Salem, OR, 97301 1830
New Autos (2025 or Newer)
5.34%
61-66 months
View
▼
APR5.34%
Term61-66 months
Last UpdatedMay 10, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
3820 Market St NE, Salem, OR, 97301 1830
New Autos (2025 or Newer)
5.44%
67-75 months
View
▼
APR5.44%
Term67-75 months
Last UpdatedMay 10, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
510 Wallace Rd NW, Salem, OR, 97304 3856
New auto (2025 - 2027)
5.44%
Up to 72 months
View
▼
APR5.44%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details

As Low As

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
NEW VEHICLE
5.49%
96 Months
View
▼
APR5.49%
Term96 Months
Last UpdatedMay 7, 2026
Details

Up to 100% Financing

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR, 97317
New Auto
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 10, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans New auto (2023 and newer)
5.74%
36-60
View
▼
APR5.74%
Term36-60
Last UpdatedMay 10, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans New auto (2023 and newer)
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 10, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans New auto (2023 and newer)
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 10, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans New auto (2023 and newer)
7.24%
96 Months
View
▼
APR7.24%
Term96 Months
Last UpdatedMay 10, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
510 Wallace Rd NW, Salem, OR, 97304 3856
New auto (2025 - 2027)
7.43%
85-96 months
View
▼
APR7.43%
Term85-96 months
Last UpdatedMay 12, 2026
Details

As Low As

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR, 97317
New Auto
7.89%
96 Months
View
▼
APR7.89%
Term96 Months
Last UpdatedMay 10, 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
View
▼
APR3.85%
Term72 Months
Last UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 2026
Details

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
New Autos (Model Years 2020-2026)
4.99%
Up to 66 months
View
▼
APR4.99%
TermUp to 66 months
Last UpdatedMay 7, 2026
Details

As Low As; APR (Min)

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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details

As Low As; Regular APR: 13.35%

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 UpdatedMay 12, 2026
Details

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 UpdatedMay 12, 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
View
▼
APR5.00%
Term48 Months
Last UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 7, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 2026
Details

Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Autos (New & Used)
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Regular APR: 5.49% - 18.00%

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 6, 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 UpdatedMay 10, 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 UpdatedMay 12, 2026
Details

As Low As

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
New Autos (Model Years 2020-2026)
5.50%
Up to 42 Months
View
▼
APR5.50%
TermUp to 42 Months
Last UpdatedMay 7, 2026
Details

As Low As; APR (Min)

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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 10, 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 UpdatedMay 6, 2026
Details

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 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 UpdatedMay 12, 2026
Details

As Low As

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
6.49%
96 Months
View
▼
APR6.49%
Term96 Months
Last UpdatedMay 6, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
New Autos (Model Years 2020-2026)
6.50%
Up to 90 months
View
▼
APR6.50%
TermUp to 90 months
Last UpdatedMay 7, 2026
Details

As Low As; APR (Min)

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
USED VEHICLE
5.49%
84 Months**
View
▼
APR5.49%
Term84 Months**
Last UpdatedMay 7, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans Used auto (2016-2022)
5.89%
36-60
View
▼
APR5.89%
Term36-60
Last UpdatedMay 10, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
510 Wallace Rd NW, Salem, OR, 97304 3856
Used auto (2011 - 2024)
5.94%
Up to 72 months
View
▼
APR5.94%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details

As Low As

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR, 97317
Used Auto
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans Used auto (2016-2022)
6.14%
72 Months
View
▼
APR6.14%
Term72 Months
Last UpdatedMay 10, 2026
Details

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR, 97317
Used Auto
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMay 10, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
645 9th St NW Ste 185, Salem, OR, 97304
Business Auto Loans Used auto (2020-2022)
6.59%
84 Months
View
▼
APR6.59%
Term84 Months
Last UpdatedMay 10, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
510 Wallace Rd NW, Salem, OR, 97304 3856
Used auto (2011 - 2024)
6.93%
73-84 months
View
▼
APR6.93%
Term73-84 months
Last UpdatedMay 12, 2026
Details

As Low As

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
510 Wallace Rd NW, Salem, OR, 97304 3856
Used auto (2011 - 2024)
7.68%
85-96 months
View
▼
APR7.68%
Term85-96 months
Last UpdatedMay 12, 2026
Details

As Low As

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
USED VEHICLE TEN YEARS OR OLDER
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

Amount Financed: 80% of Retail Book Value

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
852 Lancaster Dr SE, Salem, OR, 97317
Used Auto
8.14%
96 Months
View
▼
APR8.14%
Term96 Months
Last UpdatedMay 10, 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
View
▼
APR3.85%
Term72 Months
Last UpdatedMay 6, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2016 - 2024
View
▼
APR4.74%
Term2016 - 2024
Last UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 12, 2026
Details

As Low As

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

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 UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 7, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
5.34%
24 months
View
▼
APR5.34%
Term24 months
Last UpdatedMay 10, 2026
Details

As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Autos (New & Used)
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Regular APR: 5.49% - 18.00%

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 6, 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 UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 12, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
5.59%
60 months
View
▼
APR5.59%
Term60 months
Last UpdatedMay 10, 2026
Details

As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
View
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
5.69%
42 Months
View
▼
APR5.69%
Term42 Months
Last UpdatedMay 7, 2026
Details

As Low As; APR (Min)

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 UpdatedMay 6, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
5.84%
72 months
View
▼
APR5.84%
Term72 months
Last UpdatedMay 10, 2026
Details

As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
View
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
6.09%
84 months
View
▼
APR6.09%
Term84 months
Last UpdatedMay 10, 2026
Details

As Low As; *APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2015 and Older
View
▼
APR6.24%
Term2015 and Older
Last UpdatedMay 10, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
6.29%
66 Months
View
▼
APR6.29%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As; APR (Min)

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Auto Loans
6.49%
96 Months
View
▼
APR6.49%
Term96 Months
Last UpdatedMay 6, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Used Vehicle Loan (2018 - 2022)
6.99%
1-60 months
View
▼
APR6.99%
Term1-60 months
Last UpdatedMay 10, 2026
Details

As Low As; For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments.

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
6.99%
60 Months
View
▼
APR6.99%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
7.19%
90 Months
View
▼
APR7.19%
Term90 Months
Last UpdatedMay 7, 2026
Details

As Low As; APR (Min)

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
8.89%
90 Months
View
▼
APR8.89%
Term90 Months
Last UpdatedMay 7, 2026
Details

APR (Max)

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
10.00%
Up to 42 Months
View
▼
APR10.00%
TermUp to 42 Months
Last UpdatedMay 7, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
11.20%
Up to 66 months
View
▼
APR11.20%
TermUp to 66 months
Last UpdatedMay 7, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
12.65%
Up to 42 Months
View
▼
APR12.65%
TermUp to 42 Months
Last UpdatedMay 7, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
13.75%
Up to 66 months
View
▼
APR13.75%
TermUp to 66 months
Last UpdatedMay 7, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
16.24%
66 Months
View
▼
APR16.24%
Term66 Months
Last UpdatedMay 7, 2026
Details

APR (Max)

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Pre-Owned Vehicles (Model Years 2017-2019)
17.44%
42 Months
View
▼
APR17.44%
Term42 Months
Last UpdatedMay 7, 2026
Details

APR (Max)

Salem, OR Auto Loan Rate Trends

Compare local Salem, 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
6.037%
▲ 0.277 vs 7 days ago

Oregon new auto rates rose 0.277 points over the past 7 days to 6.037% APR.

Used Auto Loan — OR Avg
7.278%
▼ 0.785 vs 7 days ago

Oregon used auto rates fell 0.785 points over the past 7 days to 7.278% APR.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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

Based on our current data, some of the lowest auto loan rates available in Salem, Oregon include:
  • Teamsters Council #37 Federal Credit Union: 4.74% (Auto Loan)
  • Unitus Community Credit Union: 5.04% (New Autos (2025 or Newer))
  • Central Willamette Credit Union: 5.24% (New Auto)
  • Oregon State Credit Union: 5.44% (New auto (2025 - 2027))
  • IBEW SJ Cascade Federal Credit Union: 5.49% (NEW VEHICLE)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Salem, Oregon. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026

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