Auto Loan Rates in Spokane, Washington (WA) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Spokane, Washington. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Spokane, Washington include Safeway Federal Credit UnionSafeway Federal Credit Union529 E North Foothills Dr, Spokane, WA, 99207A+5.0 ★Texas Ratio: 3.68% offering New Cars at 4.49%, Numerica Credit UnionNumerica Credit Union405 E Farwell Rd, Spokane, WA, 99218A+5.0 ★Texas Ratio: 2.80% offering Auto loans1 at 4.74%, Cheney Federal Credit UnionCheney Federal Credit Union10505 W Westbow Rd, Spokane, WA, 99224 7434A+5.0 ★Texas Ratio: 1.30% offering New Auto/Truck Loan at 4.99%, Idaho Central Credit UnionIdaho Central Credit Union41 W Riverside Ave, Spokane, WA, 99201A+5.0 ★Texas Ratio: 4.09% offering Auto Loan at 5.19%, Gesa Credit UnionGesa Credit Union9625 N Newport Hwy, Spokane, WA, 99218A+5.0 ★Texas Ratio: 4.63% offering New Auto Loan at 5.74%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Spokane has 5 local institutions in our database, with auto loan rates as low as 4.49% APR from Safeway Federal Credit Union at 529 E North Foothills Dr, Spokane, WA, 99207. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Spokane, Washington. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Spokane, Washington & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
Used Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
up to 10 years old; 0% down OAC
Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
405 E Farwell Rd, Spokane, WA, 99218
Auto loans1
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
New Auto/Truck Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Fixed rate, terms up to 72 months with no more than 12,000 miles.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA, 99201
Auto Loan
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA, 99201
Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
Used Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
up to 10 years old; 0% down OAC
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
Used Auto/Truck Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Fixed rate, terms up to 72 months on vehicles up to 10 years old.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA, 99201
Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
New Auto Loan
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Loan Amount: No Minimum; Vehicle Age: 2021+
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
New Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 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: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
Used Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 84 months available under certain conditions.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Vehicle Age: 2021+
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
Older Used Cars
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
11-18 years old; requires 10% down
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New vehicle
1.99%
Up to 84 months
▼
APR1.99%
TermUp to 84 months
Last UpdatedMay 12, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 7, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
New Auto
4.00%
24 to 84 months
▼
APR4.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMay 7, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
New Vehicles
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
4.25%
0 - 36
▼
APR4.25%
Term0 - 36
Last UpdatedMay 7, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Autos
4.25%
96 Months
▼
APR4.25%
Term96 Months
Last UpdatedMay 12, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 10, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Autos (2020 & Older)
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2016 - 2024
▼
APR4.74%
Term2016 - 2024
Last UpdatedMay 10, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
New Auto
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New & Used Vehicles
4.75%
Up to 96 months
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 12, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; 60 months or less
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
4.85%
0 - 36
▼
APR4.85%
Term0 - 36
Last UpdatedMay 7, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; 60 months or less
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Used Auto
5.00%
24 to 84 months
▼
APR5.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.00%
37 - 48
▼
APR5.00%
Term37 - 48
Last UpdatedMay 7, 2026
Details
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
New Auto
5.00%
84-month
▼
APR5.00%
Term84-month
Last UpdatedMay 12, 2026
Details
2024 and newer. Up to 84-month term available. Loan to value based on MSRP or NADA retail.
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
Used Auto
5.00%
72-month
▼
APR5.00%
Term72-month
Last UpdatedMay 12, 2026
Details
2023 and older. Up to 72-month term available. Loan to value based on NADA retail.
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; 61 - 72 months
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.04%
36 Months
▼
APR5.04%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.04%
Up to 36 months
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedMay 7, 2026
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New / Used Vehicles
5.22%
1 to 84
▼
APR5.22%
Term1 to 84
Last UpdatedMay 10, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedMay 10, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 12, 2026
Details
Model Year 2025 or newer
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
5.24%
Up to 60
▼
APR5.24%
TermUp to 60
Last UpdatedMay 12, 2026
Details
0-10 model years old
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
Used Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; 61 - 72 months
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 12, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; 73 - 84 months
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.30%
48 Months
▼
APR5.30%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.30%
up to 60 months
▼
APR5.30%
Termup to 60 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.34%
61-66 months
▼
APR5.34%
Term61-66 months
Last UpdatedMay 10, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMay 7, 2026
Details
min loan $25,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.40%
up to 60 months
▼
APR5.40%
Termup to 60 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.43%
61 - 72 months
▼
APR5.43%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.44%
67-75 months
▼
APR5.44%
Term67-75 months
Last UpdatedMay 10, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
New vehicles have never been titled or licensed and used vehicles up to 1 year old
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 12, 2026
Details
Model Year 2025 or newer
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 12, 2026
Details
Model Year 2024 or older
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; 73 - 84 months
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.50%
49 - 60
▼
APR5.50%
Term49 - 60
Last UpdatedMay 7, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.53%
*73 - 84 months
▼
APR5.53%
Term*73 - 84 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.54%
36 Months
▼
APR5.54%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.54%
61 - 72 months
▼
APR5.54%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
5.60%
37 - 48
▼
APR5.60%
Term37 - 48
Last UpdatedMay 7, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.62%
60 Months
▼
APR5.62%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.65%
*73 - 84 months
▼
APR5.65%
Term*73 - 84 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New or Used Auto Loans
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
5.74%
36-60
▼
APR5.74%
Term36-60
Last UpdatedMay 10, 2026
Details
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
Used vehicles that have been titled or licensed and are 2 years old and older
5.74%
Up to 84 months
▼
APR5.74%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 12, 2026
Details
Model Year 2024 or older
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
5.75%
24 - 48
▼
APR5.75%
Term24 - 48
Last UpdatedMay 12, 2026
Details
As Low As
APR5.75%
Term61-72
Last UpdatedMay 12, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMay 7, 2026
Details
min loan $20,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.80%
48 Months
▼
APR5.80%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2016-2022)
5.89%
36-60
▼
APR5.89%
Term36-60
Last UpdatedMay 10, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 10, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.00%
61 - 72
▼
APR6.00%
Term61 - 72
Last UpdatedMay 7, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
6.00%
60 - 72
▼
APR6.00%
Term60 - 72
Last UpdatedMay 12, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
6.04%
72 Months
▼
APR6.04%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedMay 7, 2026
Details
min loan $25,000
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.10%
49 - 60
▼
APR6.10%
Term49 - 60
Last UpdatedMay 7, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.12%
60 Months
▼
APR6.12%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2016-2022)
6.14%
72 Months
▼
APR6.14%
Term72 Months
Last UpdatedMay 10, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
6.18%
84 Months
▼
APR6.18%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 10, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2015 and Older
▼
APR6.24%
Term2015 and Older
Last UpdatedMay 10, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.25%
up to 36 months
▼
APR6.25%
Termup to 36 months
Last UpdatedMay 6, 2026
Details
As Low As; Model years 2016 - 2026
APR6.25%
Term73-84
Last UpdatedMay 12, 2026
Details
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
Used Auto
6.34%
Up to 60
▼
APR6.34%
TermUp to 60
Last UpdatedMay 12, 2026
Details
11+ model years old
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 12, 2026
Details
Model Year 2025 or newer
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.50%
37 to 48 months
▼
APR6.50%
Term37 to 48 months
Last UpdatedMay 6, 2026
Details
As Low As; Model years 2016 - 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedMay 7, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.55%
49 to 60 months
▼
APR6.55%
Term49 to 60 months
Last UpdatedMay 6, 2026
Details
As Low As; Model years 2016 - 2026
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2020-2022)
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedMay 10, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.60%
61 - 72
▼
APR6.60%
Term61 - 72
Last UpdatedMay 7, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.68%
84 Months
▼
APR6.68%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.70%
61 to 72 months
▼
APR6.70%
Term61 to 72 months
Last UpdatedMay 6, 2026
Details
As Low As; Model years 2016 - 2026
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 Months
▼
APR6.71%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.95%
73 to 84 months
▼
APR6.95%
Term73 to 84 months
Last UpdatedMay 6, 2026
Details
As Low As; Model years 2016 - 2026, minimum loan amount $15,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 Months
▼
APR7.16%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
7.24%
36 Months
▼
APR7.24%
Term36 Months
Last UpdatedMay 7, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
7.24%
96 Months
▼
APR7.24%
Term96 Months
Last UpdatedMay 10, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 Months
▼
APR7.30%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
7.35%
73 - 84
▼
APR7.35%
Term73 - 84
Last UpdatedMay 7, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
7.39%
96 month
▼
APR7.39%
Term96 month
Last UpdatedMay 7, 2026
Details
min loan $45,000 A+ A Credit Tier Only
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.40%
up to 60 months
▼
APR7.40%
Termup to 60 months
Last UpdatedMay 10, 2026
Details
$25,000; As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.50%
96 Months
▼
APR7.50%
Term96 Months
Last UpdatedMay 12, 2026
Details
As Low As
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 10, 2026
Details
Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.54%
48 Months
▼
APR7.54%
Term48 Months
Last UpdatedMay 7, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.54%
61 - 72 months
▼
APR7.54%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
$25,000; As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.65%
73 - 84 months
▼
APR7.65%
Term73 - 84 months
Last UpdatedMay 10, 2026
Details
$25,000; As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.79%
72 Months
▼
APR7.79%
Term72 Months
Last UpdatedMay 7, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
8.24%
48 Months
▼
APR8.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
8.25%
108 Months
▼
APR8.25%
Term108 Months
Last UpdatedMay 12, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car
8.99%
0 - 60 months
▼
APR8.99%
Term0 - 60 months
Last UpdatedMay 7, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Business specialty vehicle
10.99%
Up to 60
▼
APR10.99%
TermUp to 60
Last UpdatedMay 10, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car
13.99%
0 - 60 months
▼
APR13.99%
Term0 - 60 months
Last UpdatedMay 7, 2026
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New / Used Vehicles
17.47%
1 to 84
▼
APR17.47%
Term1 to 84
Last UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
0% down OAC
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
New Auto/Truck Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Fixed rate, terms up to 72 months with no more than 12,000 miles.
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
0% down OAC
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
New Auto Loan
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Loan Amount: No Minimum; Vehicle Age: 2021+
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
New Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Fixed rate, terms up to 84 months with no more than 12,000 miles.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Vehicle Age: 2021+
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New vehicle
1.99%
Up to 84 months
▼
APR1.99%
TermUp to 84 months
Last UpdatedMay 12, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 7, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
New Auto
4.00%
24 to 84 months
▼
APR4.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
New Vehicles
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
4.25%
0 - 36
▼
APR4.25%
Term0 - 36
Last UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
New Auto
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMay 12, 2026
Details
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New & Used Vehicles
4.75%
Up to 96 months
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 12, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; 60 months or less
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.00%
37 - 48
▼
APR5.00%
Term37 - 48
Last UpdatedMay 7, 2026
Details
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
New Auto
5.00%
84-month
▼
APR5.00%
Term84-month
Last UpdatedMay 12, 2026
Details
2024 and newer. Up to 84-month term available. Loan to value based on MSRP or NADA retail.
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; 61 - 72 months
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.04%
Up to 36 months
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 10, 2026
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New / Used Vehicles
5.22%
1 to 84
▼
APR5.22%
Term1 to 84
Last UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.24%
37-60 months
▼
APR5.24%
Term37-60 months
Last UpdatedMay 10, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 12, 2026
Details
Model Year 2025 or newer
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
5.24%
Up to 60
▼
APR5.24%
TermUp to 60
Last UpdatedMay 12, 2026
Details
0-10 model years old
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 12, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; 73 - 84 months
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.30%
up to 60 months
▼
APR5.30%
Termup to 60 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.34%
61-66 months
▼
APR5.34%
Term61-66 months
Last UpdatedMay 10, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMay 7, 2026
Details
min loan $25,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.43%
61 - 72 months
▼
APR5.43%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
New Autos (2025 or Newer)
5.44%
67-75 months
▼
APR5.44%
Term67-75 months
Last UpdatedMay 10, 2026
Details
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
New vehicles have never been titled or licensed and used vehicles up to 1 year old
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 12, 2026
Details
Model Year 2025 or newer
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.50%
49 - 60
▼
APR5.50%
Term49 - 60
Last UpdatedMay 7, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.53%
*73 - 84 months
▼
APR5.53%
Term*73 - 84 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.54%
36 Months
▼
APR5.54%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New or Used Auto Loans
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
5.74%
36-60
▼
APR5.74%
Term36-60
Last UpdatedMay 10, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
5.75%
24 - 48
▼
APR5.75%
Term24 - 48
Last UpdatedMay 12, 2026
Details
As Low As
APR5.75%
Term61-72
Last UpdatedMay 12, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.80%
48 Months
▼
APR5.80%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 10, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.00%
61 - 72
▼
APR6.00%
Term61 - 72
Last UpdatedMay 7, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
6.00%
60 - 72
▼
APR6.00%
Term60 - 72
Last UpdatedMay 12, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.12%
60 Months
▼
APR6.12%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 10, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
APR6.25%
Term73-84
Last UpdatedMay 12, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 12, 2026
Details
Model Year 2025 or newer
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedMay 7, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.68%
84 Months
▼
APR6.68%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 Months
▼
APR6.71%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 Months
▼
APR7.16%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans New auto (2023 and newer)
7.24%
96 Months
▼
APR7.24%
Term96 Months
Last UpdatedMay 10, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 Months
▼
APR7.30%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
7.39%
96 month
▼
APR7.39%
Term96 month
Last UpdatedMay 7, 2026
Details
min loan $45,000 A+ A Credit Tier Only
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.50%
96 Months
▼
APR7.50%
Term96 Months
Last UpdatedMay 12, 2026
Details
As Low As
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 10, 2026
Details
Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
8.25%
108 Months
▼
APR8.25%
Term108 Months
Last UpdatedMay 12, 2026
Details
As Low As
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New / Used Vehicles
17.47%
1 to 84
▼
APR17.47%
Term1 to 84
Last UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
Used Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
up to 10 years old; 0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
Used Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
up to 10 years old; 0% down OAC
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
Used Auto/Truck Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Fixed rate, terms up to 72 months on vehicles up to 10 years old.
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
Used Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 84 months available under certain conditions.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
Older Used Cars
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
11-18 years old; requires 10% down
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 7, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Autos (2020 & Older)
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2016 - 2024
▼
APR4.74%
Term2016 - 2024
Last UpdatedMay 10, 2026
Details
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New & Used Vehicles
4.75%
Up to 96 months
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 12, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
4.85%
0 - 36
▼
APR4.85%
Term0 - 36
Last UpdatedMay 7, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; 60 months or less
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Used Auto
5.00%
24 to 84 months
▼
APR5.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
Used Auto
5.00%
72-month
▼
APR5.00%
Term72-month
Last UpdatedMay 12, 2026
Details
2023 and older. Up to 72-month term available. Loan to value based on NADA retail.
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedMay 7, 2026
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New / Used Vehicles
5.22%
1 to 84
▼
APR5.22%
Term1 to 84
Last UpdatedMay 10, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
Used Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; 61 - 72 months
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 12, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.40%
up to 60 months
▼
APR5.40%
Termup to 60 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
New vehicles have never been titled or licensed and used vehicles up to 1 year old
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 12, 2026
Details
Model Year 2024 or older
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; 73 - 84 months
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.54%
61 - 72 months
▼
APR5.54%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
5.60%
37 - 48
▼
APR5.60%
Term37 - 48
Last UpdatedMay 7, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.65%
*73 - 84 months
▼
APR5.65%
Term*73 - 84 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New or Used Auto Loans
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
Used vehicles that have been titled or licensed and are 2 years old and older
5.74%
Up to 84 months
▼
APR5.74%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 12, 2026
Details
Model Year 2024 or older
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
5.75%
24 - 48
▼
APR5.75%
Term24 - 48
Last UpdatedMay 12, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMay 7, 2026
Details
min loan $20,000
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2016-2022)
5.89%
36-60
▼
APR5.89%
Term36-60
Last UpdatedMay 10, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
6.00%
60 - 72
▼
APR6.00%
Term60 - 72
Last UpdatedMay 12, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedMay 7, 2026
Details
min loan $25,000
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.10%
49 - 60
▼
APR6.10%
Term49 - 60
Last UpdatedMay 7, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2016-2022)
6.14%
72 Months
▼
APR6.14%
Term72 Months
Last UpdatedMay 10, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2015 and Older
▼
APR6.24%
Term2015 and Older
Last UpdatedMay 10, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
Used Auto
6.34%
Up to 60
▼
APR6.34%
TermUp to 60
Last UpdatedMay 12, 2026
Details
11+ model years old
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Business Auto Loans Used auto (2020-2022)
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedMay 10, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.60%
61 - 72
▼
APR6.60%
Term61 - 72
Last UpdatedMay 7, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 Months
▼
APR6.71%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 Months
▼
APR7.16%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
7.24%
36 Months
▼
APR7.24%
Term36 Months
Last UpdatedMay 7, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 Months
▼
APR7.30%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
7.35%
73 - 84
▼
APR7.35%
Term73 - 84
Last UpdatedMay 7, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.40%
up to 60 months
▼
APR7.40%
Termup to 60 months
Last UpdatedMay 10, 2026
Details
$25,000; As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.50%
96 Months
▼
APR7.50%
Term96 Months
Last UpdatedMay 12, 2026
Details
As Low As
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 10, 2026
Details
Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.54%
48 Months
▼
APR7.54%
Term48 Months
Last UpdatedMay 7, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.54%
61 - 72 months
▼
APR7.54%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
$25,000; As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.65%
73 - 84 months
▼
APR7.65%
Term73 - 84 months
Last UpdatedMay 10, 2026
Details
$25,000; As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.79%
72 Months
▼
APR7.79%
Term72 Months
Last UpdatedMay 7, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
8.24%
48 Months
▼
APR8.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
8.25%
108 Months
▼
APR8.25%
Term108 Months
Last UpdatedMay 12, 2026
Details
As Low As
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New / Used Vehicles
17.47%
1 to 84
▼
APR17.47%
Term1 to 84
Last UpdatedMay 10, 2026
Details
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MonitorBankRates
Spokane, WA Auto Loan Rate Trends
Compare local Spokane, WA 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
5.733%
▼ 0.061 vs 7 days ago
Washington new auto rates fell 0.061 points over the past 7 days to 5.733% APR.
Used Auto Loan — WA Avg
6.794%
▲ 0.138 vs 7 days ago
Washington used auto rates rose 0.138 points over the past 7 days to 6.794% APR.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Spokane, 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 Spokane, 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 Spokane, 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 Spokane, Washington?
Based on our current data, some of the lowest auto loan rates available in Spokane, Washington include:
- Safeway Federal Credit Union: 4.49% (New Cars)
- Numerica Credit Union: 4.74% (Auto loans1)
- Cheney Federal Credit Union: 4.99% (New Auto/Truck Loan)
- Idaho Central Credit Union: 5.19% (Auto Loan)
- Gesa Credit Union: 5.74% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Spokane, Washington. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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