Wallowa, Oregon Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Wallowa, Oregon include South Coast ILWU Federal Credit UnionSouth Coast ILWU Federal Credit UnionA+5.0 ★Texas Ratio: 0.09% offering New Auto Loan at 3.85%, Sage Credit UnionSage Credit UnionA+5.0 ★Texas Ratio: 3.56% offering Auto Loans at 3.99%, IBEW And United Workers Federal Credit UnionIBEW And United Workers Federal Credit UnionA5.0 ★Texas Ratio: 6.75% offering New Auto 2024 and Newer at 3.99%, NW Priority Credit UnionNW Priority Credit UnionA+5.0 ★Texas Ratio: 1.38% offering Purchase New Auto or Refinance at 3.99%, CUTTING EDGECUTTING EDGEA+5.0 ★Texas Ratio: 4.08% offering New Auto at 3.99%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Wallowa borrowers have access to 33 lenders serving the Oregon area, with auto loan rates as low as 3.85% APR from South Coast ILWU Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Wallowa, Oregon. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Wallowa, Oregon & Surrounding Area
Wallowa Auto Loan Rates
Great Rates on New Auto Loans!
As Low As; The APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; The APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; The APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; The APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As low as 3.99% APR for 36 months
Published APR range: 3.99% - 17.24%. **Actual Annual Percentage rate (APR) is based on your credit history and other qualifications. All credit is subject to approval. All rates are subject to change at any time without notice.
Published APR range: 3.99 to 15.99%.
Published APR range: 3.99 to 16.24%.
Published APR range: 4.24 - 18%.
Published APR range: 4.24% - 17.49%. **Actual Annual Percentage rate (APR) is based on your credit history and other qualifications. All credit is subject to approval. All rates are subject to change at any time without notice.
Published APR range: 4.25% - 14.25%. 2024 & Newer Purchase or Refinance. Up to 100% of MSRP (New-Never Titled) Up to 110% of Kelly Lending Value (Used - Titled)
As low as 4.49% APR for 36 months
New auto as defined below. Rate based on credit qualification.
As Low As;*
As Low As;*
As Low As;*
APR* as low as: 4.50%
APR* as low as: 4.50%
2024 & Newer
2024 & Newer
As Low As;*
As Low As;*
APR* as low as: 4.75%
APR* as low as: 4.75%
APR* as low as: 4.75%
As Low As
Published APR range: 4.94% - 16.54%. New EV auto (2025 - 2027). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+; Loan to Value: Below 80%: -0.5% | 81%-100%: Base rate | 101% & Above: +0.5%; No Automatic Payment: +0.25% | Mileage above 125,000 miles: +1%; Green Auto: -0.25%; Floor Rate is 2.49%
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+; Loan to Value: Below 80%: -0.5% | 81%-100%: Base rate | 101% & Above: +0.5%; No Automatic Payment: +0.25% | Mileage above 125,000 miles: +1%; Green Auto: -0.25%; Value is based on sales price of KBB/MSRP for new, whichever is less; Floor Rate is 2.49%
2024 & Newer
2024 & Newer
Published APR range: 4.99% - 9.44%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Published APR range: 4.99% - 13.35%.
As Low As;*
As Low As;*
As Low As;*
APR* as low as: 5.00%
APR* as low as: 5.00%
Published APR range: 5.04% - 15.69%. Min. Loan Amount: $500
As Low As
Published APR range: 5.14% - 9.84%.
Published APR range: 5.14% - 9.84%. Vehicles manufactured 2016-2022. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Published APR range: 5.19% - 16.79%. New hybrid auto (2025 - 2027). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Financing: 100% MSRP or High KBB
Published APR range: 5.24 - 18%.
2018-2023
2018-2023
APR* (Min)
Published APR range: 5.24% - 14.99%.
Published APR range: 5.24% - 9.89%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Published APR range: 5.24% - 15.79%. Min. Loan Amount: $5,000
Published APR range: 5.24% - 13.60%.
Published APR range: 5.24% - 13.60%.
As Low As;*
APR* as low as: 5.25%
APR* as low as: 5.25%
Published APR range: 5.25% - 14.50%. 2024 & Newer Purchase or Refinance. Up to 100% of MSRP (New-Never Titled) Up to 110% of Kelly Lending Value (Used - Titled)
Published APR range: 5.25% - 17.95%.
Published APR range: 5.25% - 17.95%.
As Low As;*
Published APR range: 5.34% - 15.89%. Min. Loan Amount: $6,000
As Low As*
As Low As*
As Low As*
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Published APR range: 5.39% - 10.19%.
Published APR range: 5.39% - 10.19%. Vehicles manufactured 2016-2022. Requires a minimum $12,000 loan amount for model years 2016-2019. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Published APR range: 5.44% - 20.44%.
Published APR range: 5.44% - 15.99%. Min. Loan Amount: $10,000
Additional APR listed for this product: 17.04%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Additional APR listed for this product: 17.78%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 5.44% - 17.04%. New auto (2025 - 2027). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 5.44% - 17.03%. Used EV auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
As Low As; The APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Financing: 100% High KBB
Financing: 100% MSRP or High KBB
2018-2023
2018-2023
2024 & Newer
Published APR range: 5.49%- 14.69%.
Published APR range: 5.49%- 14.94%. Amount Financed: 90% of Retail Book Value
Published APR range: 5.49% - 20.84%.
Published APR range: 5.49% - 14.99%.
Published APR range: 5.49% - 17.49%.
Published APR range: 5.49% - 10.14%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Published APR range: 5.49% - 16.09%. Min. Loan Amount: $15,000
As Low As;*
APR*: 5.50%
APR*: 5.50%
Vehicle that is 2024 or newer and with 40,000 or less miles.
2016-2023 or 2024+ with over 40,000 miles.
As Low As;*
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As*
Published APR range: 5.69% - 17.28%. Used hybrid auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Financing: 100% High KBB
Financing: 100% MSRP or High KBB
As Low As;*
APR*: 5.75%
APR*: 5.75%
APR*: 5.75%
Published APR range: 5.75% - 14.50%. Used Auto Loan Category: (2023 & Older) Purchase or Refinance Up to 110% of Kelley Wholesale Value
As Low As;*
Published APR range: 5.79% - 20.74%.
APR* (Min) is 5.83%, APR* (Max) is 16.24%
Published APR range: 5.84% - 11.49%. Vehicles manufactured 2016-2022. Offered on model years 2020-2022 only. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
As Low As*
Additional APR listed for this product: 17.53%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 5.94% - 17.53%. Used auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Financing: 100% High KBB
Financing: 100% MSRP or High KBB
Published APR range: 5.99% - 21.94%.
Published APR range: 5.99% - 15.24%.
Published APR range: 5.99% - 16.72%.
Published APR range: 5.99% - 17.99%. **Actual Annual Percentage rate (APR) is based on your credit history and other qualifications. All credit is subject to approval. All rates are subject to change at any time without notice.
As Low As;*
As Low As;*
APR*: 6.00%
APR*: 6.00%
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
APR* (Min)
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As*
As low as 6.14% APR for 48 months
Published APR range: 6.19% - 21.14%.
Financing: 100% High KBB
2018-2023
Published APR range: 6.24% - 16.49%.
APR*: 6.25%
APR*: 6.25%
Published APR range: 6.43% - 17.29%. Used EV auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 6.49% - 17.74%.
Published APR range: 6.49% - 16.74%.
Published APR range: 6.49% - 9.74%.
Published APR range: 6.54% - 22.24%.
Published APR range: 6.68% - 17.54%. Used hybrid auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
APR* (Min) is 6.73%, APR* (Max) is 8.78%
Published APR range: 6.74% - 9.99%.
Published APR range: 6.75% - 14.75%. Used Auto Loan Category: (2023 & Older) Purchase or Refinance Up to 110% of Kelley Wholesale Value
Published APR range: 6.93% - 17.03%. New EV auto (2025 - 2027). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Additional APR listed for this product: 17.79%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 6.93% - 17.79%. Used auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
2017 & Older
2017 & Older
2017 & Older
As Low As*
Published APR range: 7.18% - 17.28%. New hybrid auto (2025 - 2027). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 7.18% - 12.03%. Used EV auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 7.24% - 12.74%. Vehicles manufactured 2023 and newer. Requires a minimum $25,000 loan amount and a maximum of $15,000 negative equity. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Published APR range: 7.24% - 15.99%.
Additional APR listed for this product: 17.53%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 7.43% - 17.53%. New auto (2025 - 2027). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 7.43% - 12.28%. Used hybrid auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Financing: 100% High KBB
Published APR range: 7.49% - 17.99%. Age: 2024 & Newer; Down Payment: 10%
APR*: 6.500%
APR*: 6.500%
Additional APR listed for this product: 12.53%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 7.68% - 12.53%. Used auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Financing: 100% High KBB
2015 or older or any vehicle with over 100,000 miles.
APR*: 6.750%
APR* (Max)
Published APR range: 7.89% - 22.09%.
Published APR range: 7.89% - 22.49%.
Published APR range: 7.89% - 10.49%.
Published APR range: 7.99% - 17.99%. Age: 2020 - 2023; Down Payment: 15%
Published APR range: 7.99%- 17.49%. Amount Financed: 80% of Retail Book Value
APR*: 7.000%
Published APR range: 8.14% - 8.24%.
APR*: 7.250%
Published APR range: 8.49% - 11.99%. Vehicles manufactured 2025 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Published APR range: 8.49% - 9.99%.
Published APR range: 8.49% to 17.99%.
Published APR range: 8.74% - 12.24%. Vehicles manufactured 2025 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Vehicle Year: 2020-2026; As Low As; APR: 7.750%
Wallowa New Auto Auto Loan Rates
Great Rates on New Auto Loans!
As low as 3.99% APR for 36 months
Published APR range: 3.99% - 17.24%. **Actual Annual Percentage rate (APR) is based on your credit history and other qualifications. All credit is subject to approval. All rates are subject to change at any time without notice.
Published APR range: 3.99 to 15.99%.
Published APR range: 4.24 - 18%.
Published APR range: 4.25% - 14.25%. 2024 & Newer Purchase or Refinance. Up to 100% of MSRP (New-Never Titled) Up to 110% of Kelly Lending Value (Used - Titled)
New auto as defined below. Rate based on credit qualification.
As Low As;*
As Low As;*
As Low As;*
Published APR range: 4.94% - 16.54%. New EV auto (2025 - 2027). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+; Loan to Value: Below 80%: -0.5% | 81%-100%: Base rate | 101% & Above: +0.5%; No Automatic Payment: +0.25% | Mileage above 125,000 miles: +1%; Green Auto: -0.25%; Floor Rate is 2.49%
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+; Loan to Value: Below 80%: -0.5% | 81%-100%: Base rate | 101% & Above: +0.5%; No Automatic Payment: +0.25% | Mileage above 125,000 miles: +1%; Green Auto: -0.25%; Value is based on sales price of KBB/MSRP for new, whichever is less; Floor Rate is 2.49%
Published APR range: 4.99% - 9.44%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
As Low As;*
As Low As;*
Published APR range: 5.04% - 15.69%. Min. Loan Amount: $500
Published APR range: 5.19% - 16.79%. New hybrid auto (2025 - 2027). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
APR* (Min)
Published APR range: 5.24% - 14.99%.
Published APR range: 5.24% - 9.89%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Published APR range: 5.24% - 15.79%. Min. Loan Amount: $5,000
Published APR range: 5.25% - 14.50%. 2024 & Newer Purchase or Refinance. Up to 100% of MSRP (New-Never Titled) Up to 110% of Kelly Lending Value (Used - Titled)
Published APR range: 5.25% - 17.95%.
As Low As;*
Published APR range: 5.34% - 15.89%. Min. Loan Amount: $6,000
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Published APR range: 5.44% - 20.44%.
Published APR range: 5.44% - 15.99%. Min. Loan Amount: $10,000
Additional APR listed for this product: 17.04%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Additional APR listed for this product: 17.78%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 5.44% - 17.04%. New auto (2025 - 2027). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 5.49%- 14.69%.
Published APR range: 5.49% - 20.84%.
Published APR range: 5.49% - 14.99%.
Published APR range: 5.49% - 17.49%.
Published APR range: 5.49% - 10.14%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Published APR range: 5.49% - 16.09%. Min. Loan Amount: $15,000
As Low As;*
Vehicle that is 2024 or newer and with 40,000 or less miles.
As Low As;*
As Low As;*
Published APR range: 5.99% - 21.94%.
As Low As;*
As Low As;*
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
APR* (Min)
Published APR range: 6.24% - 16.49%.
Published APR range: 6.49% - 9.74%.
Published APR range: 6.93% - 17.03%. New EV auto (2025 - 2027). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 7.18% - 17.28%. New hybrid auto (2025 - 2027). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 7.24% - 12.74%. Vehicles manufactured 2023 and newer. Requires a minimum $25,000 loan amount and a maximum of $15,000 negative equity. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Additional APR listed for this product: 17.53%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 7.43% - 17.53%. New auto (2025 - 2027). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 7.49% - 17.99%. Age: 2024 & Newer; Down Payment: 10%
APR* (Max)
Published APR range: 7.89% - 10.49%.
Published APR range: 8.49% - 9.99%.
Wallowa Used Auto Auto Loan Rates
Published APR range: 3.99 to 16.24%.
Published APR range: 4.24% - 17.49%. **Actual Annual Percentage rate (APR) is based on your credit history and other qualifications. All credit is subject to approval. All rates are subject to change at any time without notice.
As low as 4.49% APR for 36 months
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+; Loan to Value: Below 80%: -0.5% | 81%-100%: Base rate | 101% & Above: +0.5%; No Automatic Payment: +0.25% | Mileage above 125,000 miles: +1%; Green Auto: -0.25%; Floor Rate is 2.49%
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+; Loan to Value: Below 80%: -0.5% | 81%-100%: Base rate | 101% & Above: +0.5%; No Automatic Payment: +0.25% | Mileage above 125,000 miles: +1%; Green Auto: -0.25%; Value is based on sales price of KBB/MSRP for new, whichever is less; Floor Rate is 2.49%
Published APR range: 5.14% - 9.84%.
Published APR range: 5.14% - 9.84%. Vehicles manufactured 2016-2022. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Published APR range: 5.24 - 18%.
Published APR range: 5.25% - 17.95%.
As Low As*
As Low As*
As Low As*
Published APR range: 5.39% - 10.19%.
Published APR range: 5.39% - 10.19%. Vehicles manufactured 2016-2022. Requires a minimum $12,000 loan amount for model years 2016-2019. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Published APR range: 5.44% - 17.03%. Used EV auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 5.49%- 14.94%. Amount Financed: 90% of Retail Book Value
2016-2023 or 2024+ with over 40,000 miles.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As*
Published APR range: 5.69% - 17.28%. Used hybrid auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 5.75% - 14.50%. Used Auto Loan Category: (2023 & Older) Purchase or Refinance Up to 110% of Kelley Wholesale Value
APR* (Min) is 5.83%, APR* (Max) is 16.24%
Published APR range: 5.84% - 11.49%. Vehicles manufactured 2016-2022. Offered on model years 2020-2022 only. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
As Low As*
Additional APR listed for this product: 17.53%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 5.94% - 17.53%. Used auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 5.99% - 15.24%.
Published APR range: 5.99% - 16.72%.
Published APR range: 5.99% - 17.99%. **Actual Annual Percentage rate (APR) is based on your credit history and other qualifications. All credit is subject to approval. All rates are subject to change at any time without notice.
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As*
As low as 6.14% APR for 48 months
Published APR range: 6.43% - 17.29%. Used EV auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 6.49% - 17.74%.
Published APR range: 6.68% - 17.54%. Used hybrid auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
APR* (Min) is 6.73%, APR* (Max) is 8.78%
Published APR range: 6.75% - 14.75%. Used Auto Loan Category: (2023 & Older) Purchase or Refinance Up to 110% of Kelley Wholesale Value
Additional APR listed for this product: 17.79%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 6.93% - 17.79%. Used auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
As Low As*
Published APR range: 7.18% - 12.03%. Used EV auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 7.43% - 12.28%. Used hybrid auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.50% discount for financing an electric vehicle, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Additional APR listed for this product: 12.53%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 7.68% - 12.53%. Used auto (2011 - 2024). APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
2015 or older or any vehicle with over 100,000 miles.
Published APR range: 7.99% - 17.99%. Age: 2020 - 2023; Down Payment: 15%
Published APR range: 7.99%- 17.49%. Amount Financed: 80% of Retail Book Value
Published APR range: 8.14% - 8.24%.
Wallowa, OR Auto Loan Rate Trends
Compare local Wallowa, OR auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Oregon new auto rates fell 1.104 points over the past 7 days to 6.481% APR.
Oregon used auto rates fell 1.478 points over the past 7 days to 6.318% APR.
Wallowa, OR Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Oregon figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Oregon APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.48% APR OR average | Used Auto @ 6.32% APR OR average | Monthly Difference |
|---|---|---|---|
| $15,000 | $293.36/mo | $292.21/mo | $1.14/mo |
| $25,000 | $488.93/mo | $487.02/mo | $1.90/mo |
| $35,000 | $684.50/mo | $681.83/mo | $2.67/mo |
| $45,000 | $880.07/mo | $876.64/mo | $3.43/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Wallowa, Oregon
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Wallowa, Oregon locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Oregon. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Wallowa, Oregon high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Wallowa, Oregon CD rates lock in a guaranteed return until you’re ready to buy
Oregon Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $587 monthly car payment works out to roughly 15.3% of the median individual income in Oregon. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Wallowa, Oregon, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Wallowa, Oregon. We’ve prefilled the APR with today’s OR new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wallowa, Oregon auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Wallowa, Oregon directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Wallowa, Oregon. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in OR.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Wallowa, Oregon
How does my credit score affect my car loan rate in Oregon?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Wallowa, Oregon?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Wallowa, Oregon?
- South Coast ILWU Federal Credit Union: 3.85% (New Auto Loan)
- Sage Credit Union: 3.99% (Auto Loans)
- IBEW And United Workers Federal Credit Union: 3.99% (New Auto 2024 and Newer)
- NW Priority Credit Union: 3.99% (Purchase New Auto or Refinance)
- CUTTING EDGE: 3.99% (New Auto)
Wallowa, Oregon Rates & Resources
