Auto Loan Rates in Washington (WA) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
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 Washington. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Washington include LONGSHOREMENS LOCAL 4LONGSHOREMENS LOCAL 41209 Ingalls St, Vancouver, WA, 98660 2722A+5.0 ★Texas Ratio: 0.85% offering New vehicle Loan at 1.99%, Waterfront Federal Credit UnionWaterfront Federal Credit Union6419 Fauntleroy Way SW, Seattle, WA, 98136A+5.0 ★Texas Ratio: 5.62% offering New & Used Autos at 3.64%, EvergreenDIRECT Credit UnionEvergreenDIRECT Credit Union1018 Union Ave SE, Olympia, WA, 98501 1540A+5.0 ★Texas Ratio: 3.26% offering New/Used Auto at 3.99%, Delta Schools Federal Credit UnionDelta Schools Federal Credit Union1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016A+5.0 ★Texas Ratio: 0.34% offering New Vehicles Model Year 2025-2026 Loan at 3.99%, IBEW 76 Federal Credit UnionIBEW 76 Federal Credit Union3049 S 36th St, Tacoma, WA, 98409A+5.0 ★Texas Ratio: 3.57% offering New Auto at 4.00%. Auto loan rates as of July 15, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Washington side-by-side. Washington auto loan rates currently start as low as 1.99% APR from LONGSHOREMENS LOCAL 4 at 1209 Ingalls St, Vancouver, WA, 98660 2722. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Washington. Auto Loan Rates Last Updated and Verified: July 15, 2026
Compare Auto Loan Rates Today in Washington
Washington Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
1209 Ingalls St, Vancouver, WA, 98660 2722
New vehicle Loan
1.99%
Up to 84 months
▼
APR1.99%
TermUp to 84 months
Last UpdatedJul 14, 2026
Details
As low as 1.99%
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
6419 Fauntleroy Way SW, Seattle, WA, 98136
New & Used Autos
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Example: 48 monthly payments of $22.42 for every $1,000 borrowed at 3.64%
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 36 monthly payments of $29.53 per $1,000 borrowed
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026 Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3049 S 36th St, Tacoma, WA, 98409
New Auto
4.00%
up to 84 months
▼
APR4.00%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024 Loan
4.19%
36 months
▼
APR4.19%
Term36 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $22.69 per $1,000 borrowed
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
4550 S 134th Pl, Tukwila, WA, 98168
New Vehicles Loan
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedJul 15, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
1451 15th St, Clarkston, WA, 99403
Autos
4.25%
Up to 96 Months
▼
APR4.25%
TermUp to 96 Months
Last UpdatedJul 11, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026) Loan
4.25%
0 - 36 months
▼
APR4.25%
Term0 - 36 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 10, 2026
Details
As Low As; APR = Annual Percentage Rate
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
11215 NE 28th St, Vancouver, WA, 98682 7805
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedJul 11, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 60 monthly payments of $18.65 per $1,000 borrowed
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars Loan
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
Used Cars Loan
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
up to 10 years old; 0% down OAC
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
1328 Broadway, Everett, WA, 98201 1718
New Auto
4.50%
Up to 84-month term available
▼
APR4.50%
TermUp to 84-month term available
Last UpdatedJul 11, 2026
Details
2024 and newer. Loan to value based on MSRP or NADA retail.
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
1328 Broadway, Everett, WA, 98201 1718
Used Auto
4.50%
Up to 84-month term available
▼
APR4.50%
TermUp to 84-month term available
Last UpdatedJul 11, 2026
Details
2023 and older. Loan to value based on NADA retail.
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
11215 NE 28th St, Vancouver, WA, 98682 7805
Used Auto
4.74%
2016 - 2024
▼
APR4.74%
Term2016 - 2024
Last UpdatedJul 11, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA, 99403
Auto Loan
4.74%
60 Month Term
▼
APR4.74%
Term60 Month Term
Last UpdatedJul 11, 2026
Details
As Low As
Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
14610 E Sprague Ave, Spokane Valley, WA, 99216
Auto loans
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedJul 13, 2026
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto
4.74%
4 years / 48 months
▼
APR4.74%
Term4 years / 48 months
Last UpdatedJul 15, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
6419 Fauntleroy Way SW, Seattle, WA, 98136
Used Autos
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Example: 48 monthly payments of $22.92 for every $1,000 borrowed at 4.74%
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026 Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJul 15, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 72 monthly payments of $16.00 per $1,000 borrowed
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022) Loan
4.85%
0 - 36 months
▼
APR4.85%
Term0 - 36 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA, 99403
Auto Loan
4.89%
72 Month Term
▼
APR4.89%
Term72 Month Term
Last UpdatedJul 11, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto
4.99%
5 years / 60 months
▼
APR4.99%
Term5 years / 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026) Loan
5.00%
37 - 48 months
▼
APR5.00%
Term37 - 48 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3049 S 36th St, Tacoma, WA, 98409
Used Auto
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loans
5.04%
36 months
▼
APR5.04%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026 Loan
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedJul 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024 Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedJul 15, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
8308 Quinault DR NE, Lacey, WA, 98516
New Vehicle Loans
5.21%
36 Months
▼
APR5.21%
Term36 Months
Last UpdatedJul 15, 2026
Details
Starting At
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
1100 Dupont St, Bellingham, WA, 98225 3113
New / Used Vehicles Loan
5.22%
1 to 84 Months
▼
APR5.22%
Term1 to 84 Months
Last UpdatedJul 13, 2026
Details
APR* | rate will vary based on term
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
796 Commerce Ave, Longview, WA, 98632 2459
Auto Loans
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedJul 6, 2026
Details
As Low As; Maximum term dependent on purchase price and mileage. Auto loans up to $10,000: maximum term 60 months. Auto loans $20,000 or more: maximum term 84 months. Gas vehicles exceeding 120,000 miles: maximum term 72 months. Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles. Purchase: Front end LTV >100%, add .25%; >110%, add .50%; >120%, add .75%. Maximum LTV 130%. Refinance: Back end LTV >100%, add .25%. Maximum LTV 130%. Add 1% for Drive4Less loans.
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA, 98004 6420
New Vehicles: Model Year 2025 or newer Loan
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedJul 11, 2026
Details
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
320 SW Mt Si Blvd, North Bend, WA, 98045
Used Auto
5.24%
up to 72 months
▼
APR5.24%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
526 W Cedar St, Shelton, WA, 98584
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedJul 11, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
New Low-Speed Vehicle Loan
5.24%
60 months or less
▼
APR5.24%
Term60 months or less
Last UpdatedJul 14, 2026
Details
APR as low as
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto
5.24%
6 years / 72 months
▼
APR5.24%
Term6 years / 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
4550 S 134th Pl, Tukwila, WA, 98168
Used Vehicles Loan
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedJul 15, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
41 W Riverside Ave, Spokane, WA, 99201
Vehicle Loan
5.29%
48 months
▼
APR5.29%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024 Loan
5.29%
60 months
▼
APR5.29%
Term60 months
Last UpdatedJul 15, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
NEW AUTO
5.30%
up to 60 months
▼
APR5.30%
Termup to 60 months
Last UpdatedJul 6, 2026
Details
Max $100,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loans
5.30%
48 months
▼
APR5.30%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
USED AUTO
5.40%
up to 60 months
▼
APR5.40%
Termup to 60 months
Last UpdatedJul 6, 2026
Details
Max $100,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
NEW AUTO
5.43%
61 - 72 months
▼
APR5.43%
Term61 - 72 months
Last UpdatedJul 6, 2026
Details
Max $100,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA, 98004 6420
New Vehicles: Model Year 2025 or newer Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 11, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA, 98004 6420
Used Vehicles: Model Year 2024 or older Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 11, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 84 monthly payments of $14.37 per $1,000 borrowed
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
New Low-Speed Vehicle Loan
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedJul 14, 2026
Details
APR as low as
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
520 1ST ST, Cheney, WA, 99004 1603
New Auto/Truck Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 72 months with no more than 12,000 miles.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto
5.49%
7 years / 84 months
▼
APR5.49%
Term7 years / 84 months
Last UpdatedJul 15, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto
5.49%
4 years / 48 months
▼
APR5.49%
Term4 years / 48 months
Last UpdatedJul 15, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars Loan
5.49%
up to 73 - 84 months
▼
APR5.49%
Termup to 73 - 84 months
Last UpdatedJul 15, 2026
Details
0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
Used Cars Loan
5.49%
up to 73 - 84 months
▼
APR5.49%
Termup to 73 - 84 months
Last UpdatedJul 15, 2026
Details
up to 10 years old; 0% down OAC
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026) Loan
5.50%
49 - 60 months months
▼
APR5.50%
Term49 - 60 months months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
NEW AUTO
5.53%
*73 - 84 months
▼
APR5.53%
Term*73 - 84 months
Last UpdatedJul 6, 2026
Details
Max $100,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
USED AUTO
5.54%
61 - 72 months
▼
APR5.54%
Term61 - 72 months
Last UpdatedJul 6, 2026
Details
Max $100,000
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
41 W Riverside Ave, Spokane, WA, 99201
Vehicle Loan
5.54%
60 months
▼
APR5.54%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer
5.54%
36 months
▼
APR5.54%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer - 36 months
5.54%
36 months
▼
APR5.54%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024 Loan
5.59%
84 months
▼
APR5.59%
Term84 months
Last UpdatedJul 15, 2026
Details
Minimum loan $25,000
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022) Loan
5.60%
37 - 48 months
▼
APR5.60%
Term37 - 48 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loans
5.62%
60 months
▼
APR5.62%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
USED AUTO
5.65%
*73 - 84 months
▼
APR5.65%
Term*73 - 84 months
Last UpdatedJul 6, 2026
Details
Max $100,000
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
220 S Lincoln St, Port Angeles, WA, 98362 3003
New & Used Vehicles Loan
5.69%
Up to 84 months
▼
APR5.69%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA, 98004 6420
Used Vehicles: Model Year 2024 or older Loan
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedJul 11, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
1930 6th Ave S Ste 104, Seattle, WA, 98134 1627
New Auto Loan (2024 & Newer) - Includes EV loans
5.74%
5 year
▼
APR5.74%
Term5 year
Last UpdatedJul 11, 2026
Details
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA, 99352
New Auto Loan
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2020+
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
520 1ST ST, Cheney, WA, 99004 1603
Used Auto/Truck Loan
5.74%
up to 72 months
▼
APR5.74%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 72 months on vehicles up to 10 years old.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto
5.74%
5 years / 60 months
▼
APR5.74%
Term5 years / 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
5.75%
24 - 48 months
▼
APR5.75%
Term24 - 48 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
8308 Quinault DR NE, Lacey, WA, 98516
Used Vehicle Loans
5.77%
48 Months
▼
APR5.77%
Term48 Months
Last UpdatedJul 15, 2026
Details
Starting at
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer
5.80%
48 months
▼
APR5.80%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer - 48 months
5.80%
48 months
▼
APR5.80%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
41 W Riverside Ave, Spokane, WA, 99201
Vehicle Loan
5.84%
72 months
▼
APR5.84%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
8308 Quinault DR NE, Lacey, WA, 98516
New Vehicle Loans
5.93%
60 Months
▼
APR5.93%
Term60 Months
Last UpdatedJul 15, 2026
Details
Starting At
Express Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
1930 6th Ave S Ste 104, Seattle, WA, 98134 1627
Used Car Loan (2023-1999) - Includes EV loans
5.99%
5 year
▼
APR5.99%
Term5 year
Last UpdatedJul 11, 2026
Details
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA, 99352
New Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 11, 2026
Details
Loan Amount: $15,000+; Vehicle Age: 2020+
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA, 99352
Used Auto Loan
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2015 - 2019
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
520 1ST ST, Cheney, WA, 99004 1603
New Auto/Truck Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 84 months with no more than 12,000 miles.
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
520 1ST ST, Cheney, WA, 99004 1603
Used Auto/Truck Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: 84 months available under certain conditions.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto
5.99%
6 years / 72 months
▼
APR5.99%
Term6 years / 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
8308 Quinault DR NE, Lacey, WA, 98516
Used Vehicle Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 15, 2026
Details
Starting at
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
6.00%
60 - 72 months
▼
APR6.00%
Term60 - 72 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026) Loan
6.00%
61 - 72 months
▼
APR6.00%
Term61 - 72 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loans
6.04%
72 months
▼
APR6.04%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022) Loan
6.10%
49 - 60 months months
▼
APR6.10%
Term49 - 60 months months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer
6.12%
60 months
▼
APR6.12%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer - 60 months
6.12%
60 months
▼
APR6.12%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loans
6.18%
84 months
▼
APR6.18%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
11215 NE 28th St, Vancouver, WA, 98682 7805
Used Auto
6.24%
2015 and Older
▼
APR6.24%
Term2015 and Older
Last UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA, 99352
Used Auto Loan
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2015 - 2019
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
Used Low-Speed Vehicle Loan
6.24%
60 months or less
▼
APR6.24%
Term60 months or less
Last UpdatedJul 14, 2026
Details
APR as low as
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto
6.24%
7 years / 84 months
▼
APR6.24%
Term7 years / 84 months
Last UpdatedJul 15, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
18020 80th Ave S, Kent, WA, 98032
Auto Loans
6.25%
up to 36 months
▼
APR6.25%
Termup to 36 months
Last UpdatedJul 15, 2026
Details
Model years 2016 - 2026
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA, 98004 6420
New Vehicles: Model Year 2025 or newer Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 11, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.49%
48 months
▼
APR6.49%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
Used Low-Speed Vehicle Loan
6.49%
61 - 72 months
▼
APR6.49%
Term61 - 72 months
Last UpdatedJul 14, 2026
Details
APR as low as
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
18020 80th Ave S, Kent, WA, 98032
Auto Loans
6.50%
37 to 48 months
▼
APR6.50%
Term37 to 48 months
Last UpdatedJul 15, 2026
Details
Model years 2016 - 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026) Loan
6.50%
73 - 84 months
▼
APR6.50%
Term73 - 84 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer
6.54%
72 months
▼
APR6.54%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer - 72 months
6.54%
72 months
▼
APR6.54%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
18020 80th Ave S, Kent, WA, 98032
Auto Loans
6.55%
49 to 60 months
▼
APR6.55%
Term49 to 60 months
Last UpdatedJul 15, 2026
Details
Model years 2016 - 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022) Loan
6.60%
61 - 72 months
▼
APR6.60%
Term61 - 72 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer
6.68%
84 months
▼
APR6.68%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer - 84 months
6.68%
84 months
▼
APR6.68%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
18020 80th Ave S, Kent, WA, 98032
Auto Loans
6.70%
61 to 72 months
▼
APR6.70%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
Model years 2016 - 2026
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.71%
60 months
▼
APR6.71%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
18020 80th Ave S, Kent, WA, 98032
Auto Loans
6.95%
73 to 84 months
▼
APR6.95%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
Model years 2016 - 2026, minimum loan amount $15,000
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA, 99403
Used Vehicle Loan
6.99%
60 Month Term
▼
APR6.99%
Term60 Month Term
Last UpdatedJul 11, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
Older Used Cars Loan
6.99%
up to 72 months
▼
APR6.99%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
11-18 years old; requires 10% down
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Classic Used Vehicles Model Year 1972 and Older Loan
6.99%
36 months
▼
APR6.99%
Term36 months
Last UpdatedJul 15, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.00%
84 months
▼
APR7.00%
Term84 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
7.16%
72 months
▼
APR7.16%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA, 99352
Used Auto Loan
7.24%
60 months
▼
APR7.24%
Term60 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2014 & Older
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Older Used Vehicles Model Year 2015-2019 Loan
7.24%
36 months
▼
APR7.24%
Term36 months
Last UpdatedJul 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
7.30%
84 months
▼
APR7.30%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022) Loan
7.35%
73 - 84 months
▼
APR7.35%
Term73 - 84 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026 Loan
7.39%
96 month
▼
APR7.39%
Term96 month
Last UpdatedJul 15, 2026
Details
A+ A Credit Tier Only
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
OLDER USED AUTO
7.40%
up to 60 months
▼
APR7.40%
Termup to 60 months
Last UpdatedJul 6, 2026
Details
Max $25,000
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.50%
96 months
▼
APR7.50%
Term96 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
OLDER USED AUTO
7.54%
61 - 72 months
▼
APR7.54%
Term61 - 72 months
Last UpdatedJul 6, 2026
Details
Max $25,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Classic Used Vehicles Model Year 1972 and Older Loan
7.54%
48 months
▼
APR7.54%
Term48 months
Last UpdatedJul 15, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
OLDER USED AUTO
7.65%
73 - 84 months
▼
APR7.65%
Term73 - 84 months
Last UpdatedJul 6, 2026
Details
Max $25,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Classic Used Vehicles Model Year 1972 and Older Loan
7.79%
72 months
▼
APR7.79%
Term72 months
Last UpdatedJul 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Older Used Vehicles Model Year 2015-2019 Loan
8.24%
48 months
▼
APR8.24%
Term48 months
Last UpdatedJul 15, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
8.25%
108 months
▼
APR8.25%
Term108 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
HAPO Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
601 Williams Blvd, Richland, WA, 99354
All-Terrain, Off-Road Vehicle Loan
8.49%
2018 and Newer
▼
APR8.49%
Term2018 and Newer
Last UpdatedJul 11, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Classic Car Loan
8.99%
0 - 60 months
▼
APR8.99%
Term0 - 60 months
Last UpdatedJul 15, 2026
Details
Powered by
MonitorBankRates
Washington New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
1209 Ingalls St, Vancouver, WA, 98660 2722
New vehicle Loan
1.99%
Up to 84 months
▼
APR1.99%
TermUp to 84 months
Last UpdatedJul 14, 2026
Details
As low as 1.99%
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
6419 Fauntleroy Way SW, Seattle, WA, 98136
New & Used Autos
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Example: 48 monthly payments of $22.42 for every $1,000 borrowed at 3.64%
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 36 monthly payments of $29.53 per $1,000 borrowed
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026 Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3049 S 36th St, Tacoma, WA, 98409
New Auto
4.00%
up to 84 months
▼
APR4.00%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $22.69 per $1,000 borrowed
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
4550 S 134th Pl, Tukwila, WA, 98168
New Vehicles Loan
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedJul 15, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026) Loan
4.25%
0 - 36 months
▼
APR4.25%
Term0 - 36 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 10, 2026
Details
As Low As; APR = Annual Percentage Rate
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
11215 NE 28th St, Vancouver, WA, 98682 7805
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedJul 11, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 60 monthly payments of $18.65 per $1,000 borrowed
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars Loan
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
0% down OAC
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
1328 Broadway, Everett, WA, 98201 1718
New Auto
4.50%
Up to 84-month term available
▼
APR4.50%
TermUp to 84-month term available
Last UpdatedJul 11, 2026
Details
2024 and newer. Loan to value based on MSRP or NADA retail.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto
4.74%
4 years / 48 months
▼
APR4.74%
Term4 years / 48 months
Last UpdatedJul 15, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026 Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJul 15, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 72 monthly payments of $16.00 per $1,000 borrowed
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto
4.99%
5 years / 60 months
▼
APR4.99%
Term5 years / 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026) Loan
5.00%
37 - 48 months
▼
APR5.00%
Term37 - 48 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026 Loan
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedJul 15, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
8308 Quinault DR NE, Lacey, WA, 98516
New Vehicle Loans
5.21%
36 Months
▼
APR5.21%
Term36 Months
Last UpdatedJul 15, 2026
Details
Starting At
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
1100 Dupont St, Bellingham, WA, 98225 3113
New / Used Vehicles Loan
5.22%
1 to 84 Months
▼
APR5.22%
Term1 to 84 Months
Last UpdatedJul 13, 2026
Details
APR* | rate will vary based on term
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA, 98004 6420
New Vehicles: Model Year 2025 or newer Loan
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedJul 11, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
526 W Cedar St, Shelton, WA, 98584
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedJul 11, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
New Low-Speed Vehicle Loan
5.24%
60 months or less
▼
APR5.24%
Term60 months or less
Last UpdatedJul 14, 2026
Details
APR as low as
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto
5.24%
6 years / 72 months
▼
APR5.24%
Term6 years / 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
NEW AUTO
5.30%
up to 60 months
▼
APR5.30%
Termup to 60 months
Last UpdatedJul 6, 2026
Details
Max $100,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
NEW AUTO
5.43%
61 - 72 months
▼
APR5.43%
Term61 - 72 months
Last UpdatedJul 6, 2026
Details
Max $100,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA, 98004 6420
New Vehicles: Model Year 2025 or newer Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 11, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 84 monthly payments of $14.37 per $1,000 borrowed
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
New Low-Speed Vehicle Loan
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedJul 14, 2026
Details
APR as low as
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
520 1ST ST, Cheney, WA, 99004 1603
New Auto/Truck Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 72 months with no more than 12,000 miles.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto
5.49%
7 years / 84 months
▼
APR5.49%
Term7 years / 84 months
Last UpdatedJul 15, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars Loan
5.49%
up to 73 - 84 months
▼
APR5.49%
Termup to 73 - 84 months
Last UpdatedJul 15, 2026
Details
0% down OAC
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026) Loan
5.50%
49 - 60 months months
▼
APR5.50%
Term49 - 60 months months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
NEW AUTO
5.53%
*73 - 84 months
▼
APR5.53%
Term*73 - 84 months
Last UpdatedJul 6, 2026
Details
Max $100,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer
5.54%
36 months
▼
APR5.54%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer - 36 months
5.54%
36 months
▼
APR5.54%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
220 S Lincoln St, Port Angeles, WA, 98362 3003
New & Used Vehicles Loan
5.69%
Up to 84 months
▼
APR5.69%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Express Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
1930 6th Ave S Ste 104, Seattle, WA, 98134 1627
New Auto Loan (2024 & Newer) - Includes EV loans
5.74%
5 year
▼
APR5.74%
Term5 year
Last UpdatedJul 11, 2026
Details
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA, 99352
New Auto Loan
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2020+
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
5.75%
24 - 48 months
▼
APR5.75%
Term24 - 48 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer
5.80%
48 months
▼
APR5.80%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer - 48 months
5.80%
48 months
▼
APR5.80%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
8308 Quinault DR NE, Lacey, WA, 98516
New Vehicle Loans
5.93%
60 Months
▼
APR5.93%
Term60 Months
Last UpdatedJul 15, 2026
Details
Starting At
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA, 99352
New Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 11, 2026
Details
Loan Amount: $15,000+; Vehicle Age: 2020+
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
520 1ST ST, Cheney, WA, 99004 1603
New Auto/Truck Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 84 months with no more than 12,000 miles.
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
6.00%
60 - 72 months
▼
APR6.00%
Term60 - 72 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026) Loan
6.00%
61 - 72 months
▼
APR6.00%
Term61 - 72 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer
6.12%
60 months
▼
APR6.12%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer - 60 months
6.12%
60 months
▼
APR6.12%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA, 98004 6420
New Vehicles: Model Year 2025 or newer Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 11, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.49%
48 months
▼
APR6.49%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026) Loan
6.50%
73 - 84 months
▼
APR6.50%
Term73 - 84 months
Last UpdatedJul 15, 2026
Details
Up to 125% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer
6.54%
72 months
▼
APR6.54%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer - 72 months
6.54%
72 months
▼
APR6.54%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer
6.68%
84 months
▼
APR6.68%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
New Auto: 2024 and Newer - 84 months
6.68%
84 months
▼
APR6.68%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.71%
60 months
▼
APR6.71%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.00%
84 months
▼
APR7.00%
Term84 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
7.16%
72 months
▼
APR7.16%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
7.30%
84 months
▼
APR7.30%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026 Loan
7.39%
96 month
▼
APR7.39%
Term96 month
Last UpdatedJul 15, 2026
Details
A+ A Credit Tier Only
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.50%
96 months
▼
APR7.50%
Term96 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
8.25%
108 months
▼
APR8.25%
Term108 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Powered by
MonitorBankRates
Washington Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
6419 Fauntleroy Way SW, Seattle, WA, 98136
New & Used Autos
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Example: 48 monthly payments of $22.42 for every $1,000 borrowed at 3.64%
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 36 monthly payments of $29.53 per $1,000 borrowed
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024 Loan
4.19%
36 months
▼
APR4.19%
Term36 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $22.69 per $1,000 borrowed
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 10, 2026
Details
As Low As; APR = Annual Percentage Rate
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 60 monthly payments of $18.65 per $1,000 borrowed
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
Used Cars Loan
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
up to 10 years old; 0% down OAC
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
1328 Broadway, Everett, WA, 98201 1718
Used Auto
4.50%
Up to 84-month term available
▼
APR4.50%
TermUp to 84-month term available
Last UpdatedJul 11, 2026
Details
2023 and older. Loan to value based on NADA retail.
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
11215 NE 28th St, Vancouver, WA, 98682 7805
Used Auto
4.74%
2016 - 2024
▼
APR4.74%
Term2016 - 2024
Last UpdatedJul 11, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
6419 Fauntleroy Way SW, Seattle, WA, 98136
Used Autos
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Example: 48 monthly payments of $22.92 for every $1,000 borrowed at 4.74%
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 72 monthly payments of $16.00 per $1,000 borrowed
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022) Loan
4.85%
0 - 36 months
▼
APR4.85%
Term0 - 36 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3049 S 36th St, Tacoma, WA, 98409
Used Auto
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedJul 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024 Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedJul 15, 2026
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
1100 Dupont St, Bellingham, WA, 98225 3113
New / Used Vehicles Loan
5.22%
1 to 84 Months
▼
APR5.22%
Term1 to 84 Months
Last UpdatedJul 13, 2026
Details
APR* | rate will vary based on term
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
320 SW Mt Si Blvd, North Bend, WA, 98045
Used Auto
5.24%
up to 72 months
▼
APR5.24%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
526 W Cedar St, Shelton, WA, 98584
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedJul 11, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
4550 S 134th Pl, Tukwila, WA, 98168
Used Vehicles Loan
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedJul 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024 Loan
5.29%
60 months
▼
APR5.29%
Term60 months
Last UpdatedJul 15, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
USED AUTO
5.40%
up to 60 months
▼
APR5.40%
Termup to 60 months
Last UpdatedJul 6, 2026
Details
Max $100,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA, 98004 6420
Used Vehicles: Model Year 2024 or older Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 11, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Estimated Monthly Payment Examples: 84 monthly payments of $14.37 per $1,000 borrowed
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto
5.49%
4 years / 48 months
▼
APR5.49%
Term4 years / 48 months
Last UpdatedJul 15, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
Used Cars Loan
5.49%
up to 73 - 84 months
▼
APR5.49%
Termup to 73 - 84 months
Last UpdatedJul 15, 2026
Details
up to 10 years old; 0% down OAC
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
USED AUTO
5.54%
61 - 72 months
▼
APR5.54%
Term61 - 72 months
Last UpdatedJul 6, 2026
Details
Max $100,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024 Loan
5.59%
84 months
▼
APR5.59%
Term84 months
Last UpdatedJul 15, 2026
Details
Minimum loan $25,000
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022) Loan
5.60%
37 - 48 months
▼
APR5.60%
Term37 - 48 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
USED AUTO
5.65%
*73 - 84 months
▼
APR5.65%
Term*73 - 84 months
Last UpdatedJul 6, 2026
Details
Max $100,000
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
220 S Lincoln St, Port Angeles, WA, 98362 3003
New & Used Vehicles Loan
5.69%
Up to 84 months
▼
APR5.69%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
11201 SE 8th St, Bellevue, WA, 98004 6420
Used Vehicles: Model Year 2024 or older Loan
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedJul 11, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
520 1ST ST, Cheney, WA, 99004 1603
Used Auto/Truck Loan
5.74%
up to 72 months
▼
APR5.74%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: Fixed rate, terms up to 72 months on vehicles up to 10 years old.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto
5.74%
5 years / 60 months
▼
APR5.74%
Term5 years / 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
5.75%
24 - 48 months
▼
APR5.75%
Term24 - 48 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
8308 Quinault DR NE, Lacey, WA, 98516
Used Vehicle Loans
5.77%
48 Months
▼
APR5.77%
Term48 Months
Last UpdatedJul 15, 2026
Details
Starting at
Express Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
1930 6th Ave S Ste 104, Seattle, WA, 98134 1627
Used Car Loan (2023-1999) - Includes EV loans
5.99%
5 year
▼
APR5.99%
Term5 year
Last UpdatedJul 11, 2026
Details
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA, 99352
Used Auto Loan
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2015 - 2019
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
520 1ST ST, Cheney, WA, 99004 1603
Used Auto/Truck Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 15, 2026
Details
Fixed rate; Annual Percentage Rate; Notes: 84 months available under certain conditions.
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto
5.99%
6 years / 72 months
▼
APR5.99%
Term6 years / 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
8308 Quinault DR NE, Lacey, WA, 98516
Used Vehicle Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 15, 2026
Details
Starting at
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
6.00%
60 - 72 months
▼
APR6.00%
Term60 - 72 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022) Loan
6.10%
49 - 60 months months
▼
APR6.10%
Term49 - 60 months months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
11215 NE 28th St, Vancouver, WA, 98682 7805
Used Auto
6.24%
2015 and Older
▼
APR6.24%
Term2015 and Older
Last UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA, 99352
Used Auto Loan
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2015 - 2019
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
Used Low-Speed Vehicle Loan
6.24%
60 months or less
▼
APR6.24%
Term60 months or less
Last UpdatedJul 14, 2026
Details
APR as low as
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto
6.24%
7 years / 84 months
▼
APR6.24%
Term7 years / 84 months
Last UpdatedJul 15, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedJul 11, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.49%
48 months
▼
APR6.49%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
Used Low-Speed Vehicle Loan
6.49%
61 - 72 months
▼
APR6.49%
Term61 - 72 months
Last UpdatedJul 14, 2026
Details
APR as low as
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022) Loan
6.60%
61 - 72 months
▼
APR6.60%
Term61 - 72 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.71%
60 months
▼
APR6.71%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1301 HIGHLAND AVE, CLARKSTON, WA, 99403
Used Vehicle Loan
6.99%
60 Month Term
▼
APR6.99%
Term60 Month Term
Last UpdatedJul 11, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
Older Used Cars Loan
6.99%
up to 72 months
▼
APR6.99%
Termup to 72 months
Last UpdatedJul 15, 2026
Details
11-18 years old; requires 10% down
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Classic Used Vehicles Model Year 1972 and Older Loan
6.99%
36 months
▼
APR6.99%
Term36 months
Last UpdatedJul 15, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.00%
84 months
▼
APR7.00%
Term84 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
7.16%
72 months
▼
APR7.16%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
825 Goethals Dr, Richland, WA, 99352
Used Auto Loan
7.24%
60 months
▼
APR7.24%
Term60 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2014 & Older
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Older Used Vehicles Model Year 2015-2019 Loan
7.24%
36 months
▼
APR7.24%
Term36 months
Last UpdatedJul 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
7.30%
84 months
▼
APR7.30%
Term84 months
Last UpdatedJul 11, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022) Loan
7.35%
73 - 84 months
▼
APR7.35%
Term73 - 84 months
Last UpdatedJul 15, 2026
Details
Up to 100% LTV/Mileage maximum: 150,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
OLDER USED AUTO
7.40%
up to 60 months
▼
APR7.40%
Termup to 60 months
Last UpdatedJul 6, 2026
Details
Max $25,000
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.50%
96 months
▼
APR7.50%
Term96 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
OLDER USED AUTO
7.54%
61 - 72 months
▼
APR7.54%
Term61 - 72 months
Last UpdatedJul 6, 2026
Details
Max $25,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Classic Used Vehicles Model Year 1972 and Older Loan
7.54%
48 months
▼
APR7.54%
Term48 months
Last UpdatedJul 15, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
OLDER USED AUTO
7.65%
73 - 84 months
▼
APR7.65%
Term73 - 84 months
Last UpdatedJul 6, 2026
Details
Max $25,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Classic Used Vehicles Model Year 1972 and Older Loan
7.79%
72 months
▼
APR7.79%
Term72 months
Last UpdatedJul 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Older Used Vehicles Model Year 2015-2019 Loan
8.24%
48 months
▼
APR8.24%
Term48 months
Last UpdatedJul 15, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
8.25%
108 months
▼
APR8.25%
Term108 months
Last UpdatedJul 11, 2026
Details
New & Used Auto Loans starting at
Powered by
MonitorBankRates
Washington Auto Loan Rate Trends
Compare local Washington auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — WA Avg
5.933%
▲ 0.072 vs 7 days ago
Washington new auto rates rose 0.072 points over the past 7 days to 5.933% APR.
Used Auto Loan — WA Avg
6.311%
▼ 0.069 vs 7 days ago
Washington used auto rates fell 0.069 points over the past 7 days to 6.311% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Washington 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 Washington 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 Washington. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in WA.
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 Washington
How does my credit score affect my car loan rate in Washington?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Washington 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 Washington *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 Washington 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 Washington?
Based on our current data, some of the lowest auto loan rates available in Washington include:
- LONGSHOREMENS LOCAL 4: 1.99% (New vehicle Loan)
- Waterfront Federal Credit Union: 3.64% (New & Used Autos)
- EvergreenDIRECT Credit Union: 3.99% (New/Used Auto)
- Delta Schools Federal Credit Union: 3.99% (New Vehicles Model Year 2025-2026 Loan)
- IBEW 76 Federal Credit Union: 4.00% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Washington. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 15, 2026
Auto Loan Rates by City in Washington
Rate Assistant
MonitorBankRates.com · Live Data
Try asking