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Auto Loan Rates in Spokane, Washington (WA) for June 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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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.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Spokane, Washington. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: June 3, 2026

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: 3.64% offering New Cars Loan at 4.49%, Numerica Credit UnionNumerica Credit Union405 E Farwell Rd, Spokane, WA, 99218A+5.0 ★Texas Ratio: 2.57% offering Auto loans1 at 4.74%, Cheney Federal Credit UnionCheney Federal Credit Union10505 W Westbow Rd, Spokane, WA, 99224 7434A+5.0 ★Texas Ratio: 1.29% 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: 3.86% offering Auto Loan at 5.19%, Gesa Credit UnionGesa Credit Union9625 N Newport Hwy, Spokane, WA, 99218A+5.0 ★Texas Ratio: 4.30% offering New Auto Loan at 5.74%. Auto loan rates as of June 3, 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: June 3, 2026

Compare Auto Loan Rates Today in Spokane, Washington & Surrounding Area

Jump to: All Auto Loans · New Auto · Used Auto

Spokane Auto Loan Rates

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: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars Loan
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 29, 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%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 29, 2026
Details

up to 10 years old; 0% down OAC

Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
405 E Farwell Rd, Spokane, WA, 99218
Auto loans1
4.74%
Up to 84 months
View
▼
APR4.74%
TermUp to 84 months
Last UpdatedMay 20, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
10505 W Westbow Rd, Spokane, WA, 99224 7434
New Auto/Truck Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 29, 2026
Details

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: 3.86%
41 W Riverside Ave, Spokane, WA, 99201
Auto Loan
5.19%
48 Months
View
▼
APR5.19%
Term48 Months
Last UpdatedMay 18, 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: 3.86%
41 W Riverside Ave, Spokane, WA, 99201
Auto Loan
5.44%
60 Months
View
▼
APR5.44%
Term60 Months
Last UpdatedMay 18, 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: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars Loan
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 29, 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%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 29, 2026
Details

up to 10 years old; 0% down OAC

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
41 W Riverside Ave, Spokane, WA, 99201
Auto Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 18, 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: 4.30%
9625 N Newport Hwy, Spokane, WA, 99218
New Auto Loan
5.74%
36 Months
View
▼
APR5.74%
Term36 Months
Last UpdatedMay 20, 2026
Details

As Low As

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
10505 W Westbow Rd, Spokane, WA, 99224 7434
Used Auto/Truck Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 29, 2026
Details

Fixed rate, terms up to 72 months on vehicles up to 10 years old.

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
9625 N Newport Hwy, Spokane, WA, 99218
New Auto Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 20, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details

As Low As

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
10505 W Westbow Rd, Spokane, WA, 99224 7434
New Auto/Truck Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 29, 2026
Details

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%
10505 W Westbow Rd, Spokane, WA, 99224 7434
Used Auto/Truck Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 29, 2026
Details

84 months available under certain conditions.

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 20, 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%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMay 29, 2026
Details

11-18 years old; requires 10% down

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
7.24%
60 Months
View
▼
APR7.24%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As

LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New vehicle Loan
1.99%
Up to 84 months
View
▼
APR1.99%
TermUp to 84 months
Last UpdatedJun 1, 2026
Details

As Low As

LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used vehicle (1-2 years old) Loan
1.99%
Up to 84 months
View
▼
APR1.99%
TermUp to 84 months
Last UpdatedJun 1, 2026
Details

1.99% to 8.75%

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
New & Used Autos (2021 & Newer)
3.64%
84 Months
View
▼
APR3.64%
Term84 Months
Last UpdatedMay 22, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 30, 2026
Details

IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Auto
4.00%
24 to 84 months
View
▼
APR4.00%
Term24 to 84 months
Last UpdatedMay 22, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
4.19%
36 Months
View
▼
APR4.19%
Term36 Months
Last UpdatedMay 30, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
New Vehicles Loan
4.24%
36-84 months
View
▼
APR4.24%
Term36-84 months
Last UpdatedMay 22, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details

As Low As

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Autos
4.25%
96 Months
View
▼
APR4.25%
Term96 Months
Last UpdatedMay 20, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
4.25%
0 - 36
View
▼
APR4.25%
Term0 - 36
Last UpdatedMay 22, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Purchase New Auto or Refinance
4.49%
2025 and Newer
View
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 18, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details

As Low As

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
4.74%
2016 - 2024
View
▼
APR4.74%
Term2016 - 2024
Last UpdatedMay 18, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
New Auto
4.74%
84 Months
View
▼
APR4.74%
Term84 Months
Last UpdatedMay 20, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
Used Autos (2020 & Older)
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMay 22, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
4.74%
4 years
View
▼
APR4.74%
Term4 years
Last UpdatedMay 29, 2026
Details

As Low As

Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New & Used Vehicles
4.75%
Up to 96 months
View
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 20, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As; New Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto Purchase or Refinance
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As; Terms: 60 months or less

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
4.85%
0 - 36
View
▼
APR4.85%
Term0 - 36
Last UpdatedMay 22, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedMay 20, 2026
Details

As Low As

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As; Used Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Auto Purchase or Refinance
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As; Terms: 60 months or less

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
4.99%
5 years
View
▼
APR4.99%
Term5 years
Last UpdatedMay 29, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 30, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 20, 2026
Details

As Low As; New Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto Purchase or Refinance
5.00%
61 Months
View
▼
APR5.00%
Term61 Months
Last UpdatedMay 20, 2026
Details

As Low As; Terms: 61 - 72 months

IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
Used Auto
5.00%
24 to 84 months
View
▼
APR5.00%
Term24 to 84 months
Last UpdatedMay 22, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
5.00%
37 - 48
View
▼
APR5.00%
Term37 - 48
Last UpdatedMay 22, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.04%
Up to 36 months
View
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 18, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loan
5.04%
36 months
View
▼
APR5.04%
Term36 months
Last UpdatedJun 3, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.19%
48 Months
View
▼
APR5.19%
Term48 Months
Last UpdatedMay 30, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicle Loans
5.21%
36 Months
View
▼
APR5.21%
Term36 Months
Last UpdatedMay 29, 2026
Details

As Low As

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles Loan
5.22%
1 to 84
View
▼
APR5.22%
Term1 to 84
Last UpdatedMay 31, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.24%
37-60 months
View
▼
APR5.24%
Term37-60 months
Last UpdatedMay 18, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 20, 2026
Details

Model Year 2025 or newer

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New Auto
5.24%
Up to 60
View
▼
APR5.24%
TermUp to 60
Last UpdatedMay 20, 2026
Details

0-10 model years old

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
Used Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details

Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New or Used Auto
5.24%
up to 84 Months
View
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 20, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details

As Low As; Used Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Auto Purchase or Refinance
5.24%
61 Months
View
▼
APR5.24%
Term61 Months
Last UpdatedMay 20, 2026
Details

As Low As; Terms: 61 - 72 months

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
Used Vehicles Loan
5.24%
36-84 months
View
▼
APR5.24%
Term36-84 months
Last UpdatedMay 22, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
5.24%
6 years
View
▼
APR5.24%
Term6 years
Last UpdatedMay 29, 2026
Details

As Low As

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMay 20, 2026
Details

As Low As; New Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto Purchase or Refinance
5.25%
73 Months
View
▼
APR5.25%
Term73 Months
Last UpdatedMay 20, 2026
Details

As Low As; Terms: 73 - 84 months

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.30%
60 Months
View
▼
APR5.30%
Term60 Months
Last UpdatedMay 23, 2026
Details

$100,000; As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loan
5.30%
48 months
View
▼
APR5.30%
Term48 months
Last UpdatedJun 3, 2026
Details

As Low As

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.34%
61-66 months
View
▼
APR5.34%
Term61-66 months
Last UpdatedMay 18, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
5.39%
84 Months
View
▼
APR5.39%
Term84 Months
Last UpdatedMay 30, 2026
Details

min loan $25,000

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.40%
60 Months
View
▼
APR5.40%
Term60 Months
Last UpdatedMay 23, 2026
Details

$100,000; As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.43%
72 Months
View
▼
APR5.43%
Term72 Months
Last UpdatedMay 23, 2026
Details

$100,000; As Low As

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.44%
67-75 months
View
▼
APR5.44%
Term67-75 months
Last UpdatedMay 18, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.49%
76-84 months
View
▼
APR5.49%
Term76-84 months
Last UpdatedMay 18, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 20, 2026
Details

Model Year 2025 or newer

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 20, 2026
Details

Model Year 2024 or older

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 20, 2026
Details

As Low As; Used Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Auto Purchase or Refinance
5.49%
73 Months
View
▼
APR5.49%
Term73 Months
Last UpdatedMay 20, 2026
Details

As Low As; Terms: 73 - 84 months

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
5.49%
7 years
View
▼
APR5.49%
Term7 years
Last UpdatedMay 29, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.49%
4 years
View
▼
APR5.49%
Term4 years
Last UpdatedMay 29, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 30, 2026
Details

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
New vehicles have never been titled or licensed and used vehicles up to 1 year old Loan
5.49%
Up to 84 months
View
▼
APR5.49%
TermUp to 84 months
Last UpdatedMay 31, 2026
Details

Rates increase without automatic payment; Rates decrease for hybrid and EV loans.

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
5.50%
49 - 60
View
▼
APR5.50%
Term49 - 60
Last UpdatedMay 22, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.53%
84 Months
View
▼
APR5.53%
Term84 Months
Last UpdatedMay 23, 2026
Details

$100,000; As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.54%
Up to 60 months
View
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 22, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.54%
72 Months
View
▼
APR5.54%
Term72 Months
Last UpdatedMay 23, 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
View
▼
APR5.54%
Term36 Months
Last UpdatedJun 3, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 36 months
5.54%
36 months
View
▼
APR5.54%
Term36 months
Last UpdatedJun 3, 2026
Details

As Low As; APR*

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
5.60%
37 - 48
View
▼
APR5.60%
Term37 - 48
Last UpdatedMay 22, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loan
5.62%
60 months
View
▼
APR5.62%
Term60 months
Last UpdatedJun 3, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.64%
61 - 72 months
View
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 22, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.65%
84 Months
View
▼
APR5.65%
Term84 Months
Last UpdatedMay 23, 2026
Details

$100,000; As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.69%
Up to 60 months
View
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 22, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
5.74%
36 - 60
View
▼
APR5.74%
Term36 - 60
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
5.74%
36-60 months
View
▼
APR5.74%
Term36-60 months
Last UpdatedMay 18, 2026
Details

2023 and newer

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 20, 2026
Details

Model Year 2024 or older

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.74%
5 years
View
▼
APR5.74%
Term5 years
Last UpdatedMay 29, 2026
Details

As Low As

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Used vehicles that have been titled or licensed and are 2 years old and older Loan
5.74%
Up to 84 months
View
▼
APR5.74%
TermUp to 84 months
Last UpdatedMay 31, 2026
Details

Rates increase without automatic payment; Rates decrease for hybrid and EV loans.

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
5.75%
24 - 48
View
▼
APR5.75%
Term24 - 48
Last UpdatedMay 20, 2026
Details

As Low As

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New Auto
5.75%
61-72
View
▼
APR5.75%
Term61-72
Last UpdatedMay 20, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Vehicle Loans
5.77%
48 Months
View
▼
APR5.77%
Term48 Months
Last UpdatedMay 29, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.79%
61 - 72 months
View
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 22, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.79%
72 Months
View
▼
APR5.79%
Term72 Months
Last UpdatedMay 30, 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
View
▼
APR5.80%
Term48 Months
Last UpdatedJun 3, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 48 months
5.80%
48 months
View
▼
APR5.80%
Term48 months
Last UpdatedJun 3, 2026
Details

As Low As; APR*

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.84%
73 - 84 months
View
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 22, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Older Used Auto Loans and Other Titled Vehicles
5.89%
36-60
View
▼
APR5.89%
Term36-60
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.89%
36 - 60
View
▼
APR5.89%
Term36 - 60
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used auto
5.89%
36-60 months
View
▼
APR5.89%
Term36-60 months
Last UpdatedMay 18, 2026
Details

2016-2022

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicle Loans
5.93%
60 Months
View
▼
APR5.93%
Term60 Months
Last UpdatedMay 29, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
5.99%
72 months
View
▼
APR5.99%
Term72 months
Last UpdatedMay 18, 2026
Details

2023 and newer

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.99%
73 - 84 months
View
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 22, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.99%
6 years
View
▼
APR5.99%
Term6 years
Last UpdatedMay 29, 2026
Details

As Low As

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Vehicle Loans
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 29, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
6.00%
60 - 72
View
▼
APR6.00%
Term60 - 72
Last UpdatedMay 20, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
6.00%
61 - 72
View
▼
APR6.00%
Term61 - 72
Last UpdatedMay 22, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loan
6.04%
72 months
View
▼
APR6.04%
Term72 months
Last UpdatedJun 3, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
6.09%
84 Months
View
▼
APR6.09%
Term84 Months
Last UpdatedMay 30, 2026
Details

min loan $25,000

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
6.10%
49 - 60
View
▼
APR6.10%
Term49 - 60
Last UpdatedMay 22, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.12%
60 Months
View
▼
APR6.12%
Term60 Months
Last UpdatedJun 3, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 60 months
6.12%
60 months
View
▼
APR6.12%
Term60 months
Last UpdatedJun 3, 2026
Details

As Low As; APR*

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Older Used Auto Loans and Other Titled Vehicles
6.14%
72 Months
View
▼
APR6.14%
Term72 Months
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
6.14%
72 Months
View
▼
APR6.14%
Term72 Months
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used auto
6.14%
72 months
View
▼
APR6.14%
Term72 months
Last UpdatedMay 18, 2026
Details

2016-2022

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loan
6.18%
84 months
View
▼
APR6.18%
Term84 months
Last UpdatedJun 3, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
6.24%
84 months
View
▼
APR6.24%
Term84 months
Last UpdatedMay 18, 2026
Details

2023 and newer

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
6.24%
2015 and Older
View
▼
APR6.24%
Term2015 and Older
Last UpdatedMay 18, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
6.24%
7 years
View
▼
APR6.24%
Term7 years
Last UpdatedMay 29, 2026
Details

As Low As

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New Auto
6.25%
73-84
View
▼
APR6.25%
Term73-84
Last UpdatedMay 20, 2026
Details

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Auto Loans
6.25%
up to 36 months
View
▼
APR6.25%
Termup to 36 months
Last UpdatedMay 29, 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
6.25%
36 months
View
▼
APR6.25%
Term36 months
Last UpdatedJun 3, 2026
Details

As Low As

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
Used Auto
6.34%
Up to 60
View
▼
APR6.34%
TermUp to 60
Last UpdatedMay 20, 2026
Details

11+ model years old

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMay 20, 2026
Details

Model Year 2025 or newer

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 months
View
▼
APR6.49%
Term48 months
Last UpdatedJun 3, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedMay 22, 2026
Details

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Auto Loans
6.50%
37 to 48 months
View
▼
APR6.50%
Term37 to 48 months
Last UpdatedMay 29, 2026
Details

As Low As; Model years 2016 - 2026

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedJun 3, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 72 months
6.54%
72 months
View
▼
APR6.54%
Term72 months
Last UpdatedJun 3, 2026
Details

As Low As; APR*

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Auto Loans
6.55%
49 to 60 months
View
▼
APR6.55%
Term49 to 60 months
Last UpdatedMay 29, 2026
Details

As Low As; Model years 2016 - 2026

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
6.59%
84 Months
View
▼
APR6.59%
Term84 Months
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used auto
6.59%
84 months
View
▼
APR6.59%
Term84 months
Last UpdatedMay 18, 2026
Details

2016-2022

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
6.60%
61 - 72
View
▼
APR6.60%
Term61 - 72
Last UpdatedMay 22, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.68%
84 Months
View
▼
APR6.68%
Term84 Months
Last UpdatedJun 3, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 84 months
6.68%
84 months
View
▼
APR6.68%
Term84 months
Last UpdatedJun 3, 2026
Details

As Low As; APR*

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Auto Loans
6.70%
61 to 72 months
View
▼
APR6.70%
Term61 to 72 months
Last UpdatedMay 29, 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
View
▼
APR6.71%
Term60 months
Last UpdatedJun 3, 2026
Details

As Low As

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
Auto Loans
6.95%
73 to 84 months
View
▼
APR6.95%
Term73 to 84 months
Last UpdatedMay 29, 2026
Details

As Low As; Model years 2016 - 2026, minimum loan amount $15,000

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
6.99%
60 Months
View
▼
APR6.99%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Classic Used Vehicles Model Year 1972 and Older Loan
6.99%
36 Months
View
▼
APR6.99%
Term36 Months
Last UpdatedMay 30, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 20, 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
View
▼
APR7.16%
Term72 months
Last UpdatedJun 3, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
7.24%
96 Months
View
▼
APR7.24%
Term96 Months
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
7.24%
96 months
View
▼
APR7.24%
Term96 months
Last UpdatedMay 18, 2026
Details

2023 and newer

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Older Used Vehicles Model Year 2015-2019 Loan
7.24%
36 Months
View
▼
APR7.24%
Term36 Months
Last UpdatedMay 30, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 months
View
▼
APR7.30%
Term84 months
Last UpdatedJun 3, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
7.35%
73 - 84
View
▼
APR7.35%
Term73 - 84
Last UpdatedMay 22, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
7.39%
96 month
View
▼
APR7.39%
Term96 month
Last UpdatedMay 30, 2026
Details

min loan $45,000 A+ A Credit Tier Only

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older) - Max
7.40%
60 Months
View
▼
APR7.40%
Term60 Months
Last UpdatedMay 23, 2026
Details

$25,000; As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
7.50%
96 Months
View
▼
APR7.50%
Term96 Months
Last UpdatedMay 20, 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
View
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 23, 2026
Details

Rates range from 7.537% - 10.556% fixed APR; Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older) - Max
7.54%
72 Months
View
▼
APR7.54%
Term72 Months
Last UpdatedMay 23, 2026
Details

$25,000; As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Classic Used Vehicles Model Year 1972 and Older Loan
7.54%
48 Months
View
▼
APR7.54%
Term48 Months
Last UpdatedMay 30, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older) - Max
7.65%
84 Months
View
▼
APR7.65%
Term84 Months
Last UpdatedMay 23, 2026
Details

$25,000; As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Classic Used Vehicles Model Year 1972 and Older Loan
7.79%
72 Months
View
▼
APR7.79%
Term72 Months
Last UpdatedMay 30, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Older Used Vehicles Model Year 2015-2019 Loan
8.24%
48 Months
View
▼
APR8.24%
Term48 Months
Last UpdatedMay 30, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
8.25%
108 Months
View
▼
APR8.25%
Term108 Months
Last UpdatedMay 20, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car Loan
8.99%
0 - 60 months
View
▼
APR8.99%
Term0 - 60 months
Last UpdatedMay 22, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car Loan
13.99%
0 - 60 months
View
▼
APR13.99%
Term0 - 60 months
Last UpdatedMay 22, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
16.75%
0 - 36
View
▼
APR16.75%
Term0 - 36
Last UpdatedMay 22, 2026
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles Loan
17.47%
1 to 84
View
▼
APR17.47%
Term1 to 84
Last UpdatedMay 31, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
17.50%
37 - 48
View
▼
APR17.50%
Term37 - 48
Last UpdatedMay 22, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
17.99%
49 - 60
View
▼
APR17.99%
Term49 - 60
Last UpdatedMay 22, 2026
Details

Spokane New Auto Auto Loan Rates

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: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars Loan
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 29, 2026
Details

0% down OAC

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
10505 W Westbow Rd, Spokane, WA, 99224 7434
New Auto/Truck Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 29, 2026
Details

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: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars Loan
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 29, 2026
Details

0% down OAC

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
9625 N Newport Hwy, Spokane, WA, 99218
New Auto Loan
5.74%
36 Months
View
▼
APR5.74%
Term36 Months
Last UpdatedMay 20, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
9625 N Newport Hwy, Spokane, WA, 99218
New Auto Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 20, 2026
Details

As Low As

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
10505 W Westbow Rd, Spokane, WA, 99224 7434
New Auto/Truck Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 29, 2026
Details

Fixed rate, terms up to 84 months with no more than 12,000 miles.

LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New vehicle Loan
1.99%
Up to 84 months
View
▼
APR1.99%
TermUp to 84 months
Last UpdatedJun 1, 2026
Details

As Low As

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
New & Used Autos (2021 & Newer)
3.64%
84 Months
View
▼
APR3.64%
Term84 Months
Last UpdatedMay 22, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 30, 2026
Details

IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Auto
4.00%
24 to 84 months
View
▼
APR4.00%
Term24 to 84 months
Last UpdatedMay 22, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
New Vehicles Loan
4.24%
36-84 months
View
▼
APR4.24%
Term36-84 months
Last UpdatedMay 22, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
4.25%
0 - 36
View
▼
APR4.25%
Term0 - 36
Last UpdatedMay 22, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Purchase New Auto or Refinance
4.49%
2025 and Newer
View
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 18, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details

As Low As

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
New Auto
4.74%
84 Months
View
▼
APR4.74%
Term84 Months
Last UpdatedMay 20, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
4.74%
4 years
View
▼
APR4.74%
Term4 years
Last UpdatedMay 29, 2026
Details

As Low As

Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New & Used Vehicles
4.75%
Up to 96 months
View
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 20, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As; New Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto Purchase or Refinance
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As; Terms: 60 months or less

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As; Used Auto Purchase or Refinance

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
4.99%
5 years
View
▼
APR4.99%
Term5 years
Last UpdatedMay 29, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 30, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 20, 2026
Details

As Low As; New Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto Purchase or Refinance
5.00%
61 Months
View
▼
APR5.00%
Term61 Months
Last UpdatedMay 20, 2026
Details

As Low As; Terms: 61 - 72 months

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
5.00%
37 - 48
View
▼
APR5.00%
Term37 - 48
Last UpdatedMay 22, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.04%
Up to 36 months
View
▼
APR5.04%
TermUp to 36 months
Last UpdatedMay 18, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicle Loans
5.21%
36 Months
View
▼
APR5.21%
Term36 Months
Last UpdatedMay 29, 2026
Details

As Low As

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles Loan
5.22%
1 to 84
View
▼
APR5.22%
Term1 to 84
Last UpdatedMay 31, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.24%
37-60 months
View
▼
APR5.24%
Term37-60 months
Last UpdatedMay 18, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 20, 2026
Details

Model Year 2025 or newer

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New Auto
5.24%
Up to 60
View
▼
APR5.24%
TermUp to 60
Last UpdatedMay 20, 2026
Details

0-10 model years old

Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New or Used Auto
5.24%
up to 84 Months
View
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 20, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details

As Low As; Used Auto Purchase or Refinance

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
5.24%
6 years
View
▼
APR5.24%
Term6 years
Last UpdatedMay 29, 2026
Details

As Low As

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMay 20, 2026
Details

As Low As; New Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Auto Purchase or Refinance
5.25%
73 Months
View
▼
APR5.25%
Term73 Months
Last UpdatedMay 20, 2026
Details

As Low As; Terms: 73 - 84 months

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.30%
60 Months
View
▼
APR5.30%
Term60 Months
Last UpdatedMay 23, 2026
Details

$100,000; As Low As

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.34%
61-66 months
View
▼
APR5.34%
Term61-66 months
Last UpdatedMay 18, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
5.39%
84 Months
View
▼
APR5.39%
Term84 Months
Last UpdatedMay 30, 2026
Details

min loan $25,000

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.43%
72 Months
View
▼
APR5.43%
Term72 Months
Last UpdatedMay 23, 2026
Details

$100,000; As Low As

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.44%
67-75 months
View
▼
APR5.44%
Term67-75 months
Last UpdatedMay 18, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer)
5.49%
76-84 months
View
▼
APR5.49%
Term76-84 months
Last UpdatedMay 18, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 20, 2026
Details

Model Year 2025 or newer

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 20, 2026
Details

As Low As; Used Auto Purchase or Refinance

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
5.49%
7 years
View
▼
APR5.49%
Term7 years
Last UpdatedMay 29, 2026
Details

As Low As

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
New vehicles have never been titled or licensed and used vehicles up to 1 year old Loan
5.49%
Up to 84 months
View
▼
APR5.49%
TermUp to 84 months
Last UpdatedMay 31, 2026
Details

Rates increase without automatic payment; Rates decrease for hybrid and EV loans.

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
5.50%
49 - 60
View
▼
APR5.50%
Term49 - 60
Last UpdatedMay 22, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.53%
84 Months
View
▼
APR5.53%
Term84 Months
Last UpdatedMay 23, 2026
Details

$100,000; As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.54%
Up to 60 months
View
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 22, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.54%
36 Months
View
▼
APR5.54%
Term36 Months
Last UpdatedJun 3, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 36 months
5.54%
36 months
View
▼
APR5.54%
Term36 months
Last UpdatedJun 3, 2026
Details

As Low As; APR*

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.64%
61 - 72 months
View
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 22, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
5.74%
36 - 60
View
▼
APR5.74%
Term36 - 60
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
5.74%
36-60 months
View
▼
APR5.74%
Term36-60 months
Last UpdatedMay 18, 2026
Details

2023 and newer

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
5.75%
24 - 48
View
▼
APR5.75%
Term24 - 48
Last UpdatedMay 20, 2026
Details

As Low As

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New Auto
5.75%
61-72
View
▼
APR5.75%
Term61-72
Last UpdatedMay 20, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.80%
48 Months
View
▼
APR5.80%
Term48 Months
Last UpdatedJun 3, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 48 months
5.80%
48 months
View
▼
APR5.80%
Term48 months
Last UpdatedJun 3, 2026
Details

As Low As; APR*

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.84%
73 - 84 months
View
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 22, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Vehicle Loans
5.93%
60 Months
View
▼
APR5.93%
Term60 Months
Last UpdatedMay 29, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
5.99%
72 months
View
▼
APR5.99%
Term72 months
Last UpdatedMay 18, 2026
Details

2023 and newer

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
6.00%
60 - 72
View
▼
APR6.00%
Term60 - 72
Last UpdatedMay 20, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
6.00%
61 - 72
View
▼
APR6.00%
Term61 - 72
Last UpdatedMay 22, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.12%
60 Months
View
▼
APR6.12%
Term60 Months
Last UpdatedJun 3, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 60 months
6.12%
60 months
View
▼
APR6.12%
Term60 months
Last UpdatedJun 3, 2026
Details

As Low As; APR*

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
6.24%
84 months
View
▼
APR6.24%
Term84 months
Last UpdatedMay 18, 2026
Details

2023 and newer

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New Auto
6.25%
73-84
View
▼
APR6.25%
Term73-84
Last UpdatedMay 20, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 months
View
▼
APR6.25%
Term36 months
Last UpdatedJun 3, 2026
Details

As Low As

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMay 20, 2026
Details

Model Year 2025 or newer

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 months
View
▼
APR6.49%
Term48 months
Last UpdatedJun 3, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedMay 22, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedJun 3, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 72 months
6.54%
72 months
View
▼
APR6.54%
Term72 months
Last UpdatedJun 3, 2026
Details

As Low As; APR*

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.68%
84 Months
View
▼
APR6.68%
Term84 Months
Last UpdatedJun 3, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer - 84 months
6.68%
84 months
View
▼
APR6.68%
Term84 months
Last UpdatedJun 3, 2026
Details

As Low As; APR*

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 months
View
▼
APR6.71%
Term60 months
Last UpdatedJun 3, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 20, 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
View
▼
APR7.16%
Term72 months
Last UpdatedJun 3, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans)
7.24%
96 Months
View
▼
APR7.24%
Term96 Months
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New auto
7.24%
96 months
View
▼
APR7.24%
Term96 months
Last UpdatedMay 18, 2026
Details

2023 and newer

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 months
View
▼
APR7.30%
Term84 months
Last UpdatedJun 3, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
7.39%
96 month
View
▼
APR7.39%
Term96 month
Last UpdatedMay 30, 2026
Details

min loan $45,000 A+ A Credit Tier Only

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
7.50%
96 Months
View
▼
APR7.50%
Term96 Months
Last UpdatedMay 20, 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
View
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 23, 2026
Details

Rates range from 7.537% - 10.556% fixed APR; 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: 7.98%
New & Used Auto Loans
8.25%
108 Months
View
▼
APR8.25%
Term108 Months
Last UpdatedMay 20, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
16.75%
0 - 36
View
▼
APR16.75%
Term0 - 36
Last UpdatedMay 22, 2026
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles Loan
17.47%
1 to 84
View
▼
APR17.47%
Term1 to 84
Last UpdatedMay 31, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
17.50%
37 - 48
View
▼
APR17.50%
Term37 - 48
Last UpdatedMay 22, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
17.99%
49 - 60
View
▼
APR17.99%
Term49 - 60
Last UpdatedMay 22, 2026
Details

Spokane Used Auto Auto Loan Rates

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: 3.64%
529 E North Foothills Dr, Spokane, WA, 99207
Used Cars Loan
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 29, 2026
Details

up to 10 years old; 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%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 29, 2026
Details

up to 10 years old; 0% down OAC

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
10505 W Westbow Rd, Spokane, WA, 99224 7434
Used Auto/Truck Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 29, 2026
Details

Fixed rate, terms up to 72 months on vehicles up to 10 years old.

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details

As Low As

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
10505 W Westbow Rd, Spokane, WA, 99224 7434
Used Auto/Truck Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 29, 2026
Details

84 months available under certain conditions.

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 20, 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%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMay 29, 2026
Details

11-18 years old; requires 10% down

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
7.24%
60 Months
View
▼
APR7.24%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As

LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used vehicle (1-2 years old) Loan
1.99%
Up to 84 months
View
▼
APR1.99%
TermUp to 84 months
Last UpdatedJun 1, 2026
Details

1.99% to 8.75%

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
New & Used Autos (2021 & Newer)
3.64%
84 Months
View
▼
APR3.64%
Term84 Months
Last UpdatedMay 22, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
4.19%
36 Months
View
▼
APR4.19%
Term36 Months
Last UpdatedMay 30, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details

As Low As

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
4.74%
2016 - 2024
View
▼
APR4.74%
Term2016 - 2024
Last UpdatedMay 18, 2026
Details

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
Used Autos (2020 & Older)
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMay 22, 2026
Details

As Low As

Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New & Used Vehicles
4.75%
Up to 96 months
View
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 20, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As; New Auto Purchase or Refinance

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
4.85%
0 - 36
View
▼
APR4.85%
Term0 - 36
Last UpdatedMay 22, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As; Used Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Auto Purchase or Refinance
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As; Terms: 60 months or less

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details

As Low As

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 20, 2026
Details

As Low As; New Auto Purchase or Refinance

IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
Used Auto
5.00%
24 to 84 months
View
▼
APR5.00%
Term24 to 84 months
Last UpdatedMay 22, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.19%
48 Months
View
▼
APR5.19%
Term48 Months
Last UpdatedMay 30, 2026
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles Loan
5.22%
1 to 84
View
▼
APR5.22%
Term1 to 84
Last UpdatedMay 31, 2026
Details

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
Used Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details

Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New or Used Auto
5.24%
up to 84 Months
View
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 20, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details

As Low As; Used Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Auto Purchase or Refinance
5.24%
61 Months
View
▼
APR5.24%
Term61 Months
Last UpdatedMay 20, 2026
Details

As Low As; Terms: 61 - 72 months

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
Used Vehicles Loan
5.24%
36-84 months
View
▼
APR5.24%
Term36-84 months
Last UpdatedMay 22, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMay 20, 2026
Details

As Low As; New Auto Purchase or Refinance

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.40%
60 Months
View
▼
APR5.40%
Term60 Months
Last UpdatedMay 23, 2026
Details

$100,000; As Low As

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 20, 2026
Details

Model Year 2024 or older

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New & Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 20, 2026
Details

As Low As; Used Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Auto Purchase or Refinance
5.49%
73 Months
View
▼
APR5.49%
Term73 Months
Last UpdatedMay 20, 2026
Details

As Low As; Terms: 73 - 84 months

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.49%
4 years
View
▼
APR5.49%
Term4 years
Last UpdatedMay 29, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 30, 2026
Details

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
New vehicles have never been titled or licensed and used vehicles up to 1 year old Loan
5.49%
Up to 84 months
View
▼
APR5.49%
TermUp to 84 months
Last UpdatedMay 31, 2026
Details

Rates increase without automatic payment; Rates decrease for hybrid and EV loans.

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.54%
72 Months
View
▼
APR5.54%
Term72 Months
Last UpdatedMay 23, 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) Loan
5.60%
37 - 48
View
▼
APR5.60%
Term37 - 48
Last UpdatedMay 22, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.65%
84 Months
View
▼
APR5.65%
Term84 Months
Last UpdatedMay 23, 2026
Details

$100,000; As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.69%
Up to 60 months
View
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 22, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 20, 2026
Details

Model Year 2024 or older

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.74%
5 years
View
▼
APR5.74%
Term5 years
Last UpdatedMay 29, 2026
Details

As Low As

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Used vehicles that have been titled or licensed and are 2 years old and older Loan
5.74%
Up to 84 months
View
▼
APR5.74%
TermUp to 84 months
Last UpdatedMay 31, 2026
Details

Rates increase without automatic payment; Rates decrease for hybrid and EV loans.

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
5.75%
24 - 48
View
▼
APR5.75%
Term24 - 48
Last UpdatedMay 20, 2026
Details

As Low As

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Vehicle Loans
5.77%
48 Months
View
▼
APR5.77%
Term48 Months
Last UpdatedMay 29, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.79%
61 - 72 months
View
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 22, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.79%
72 Months
View
▼
APR5.79%
Term72 Months
Last UpdatedMay 30, 2026
Details

min loan $20,000

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Older Used Auto Loans and Other Titled Vehicles
5.89%
36-60
View
▼
APR5.89%
Term36-60
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.89%
36 - 60
View
▼
APR5.89%
Term36 - 60
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used auto
5.89%
36-60 months
View
▼
APR5.89%
Term36-60 months
Last UpdatedMay 18, 2026
Details

2016-2022

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.99%
73 - 84 months
View
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 22, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.99%
6 years
View
▼
APR5.99%
Term6 years
Last UpdatedMay 29, 2026
Details

As Low As

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Vehicle Loans
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 29, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
6.00%
60 - 72
View
▼
APR6.00%
Term60 - 72
Last UpdatedMay 20, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
6.09%
84 Months
View
▼
APR6.09%
Term84 Months
Last UpdatedMay 30, 2026
Details

min loan $25,000

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
6.10%
49 - 60
View
▼
APR6.10%
Term49 - 60
Last UpdatedMay 22, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Older Used Auto Loans and Other Titled Vehicles
6.14%
72 Months
View
▼
APR6.14%
Term72 Months
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
6.14%
72 Months
View
▼
APR6.14%
Term72 Months
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used auto
6.14%
72 months
View
▼
APR6.14%
Term72 months
Last UpdatedMay 18, 2026
Details

2016-2022

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
6.24%
2015 and Older
View
▼
APR6.24%
Term2015 and Older
Last UpdatedMay 18, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
6.24%
7 years
View
▼
APR6.24%
Term7 years
Last UpdatedMay 29, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 months
View
▼
APR6.25%
Term36 months
Last UpdatedJun 3, 2026
Details

As Low As

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
Used Auto
6.34%
Up to 60
View
▼
APR6.34%
TermUp to 60
Last UpdatedMay 20, 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
View
▼
APR6.49%
Term48 months
Last UpdatedJun 3, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
6.59%
84 Months
View
▼
APR6.59%
Term84 Months
Last UpdatedMay 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used auto
6.59%
84 months
View
▼
APR6.59%
Term84 months
Last UpdatedMay 18, 2026
Details

2016-2022

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
6.60%
61 - 72
View
▼
APR6.60%
Term61 - 72
Last UpdatedMay 22, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 months
View
▼
APR6.71%
Term60 months
Last UpdatedJun 3, 2026
Details

As Low As

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
6.99%
60 Months
View
▼
APR6.99%
Term60 Months
Last UpdatedMay 20, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Classic Used Vehicles Model Year 1972 and Older Loan
6.99%
36 Months
View
▼
APR6.99%
Term36 Months
Last UpdatedMay 30, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 20, 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
View
▼
APR7.16%
Term72 months
Last UpdatedJun 3, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Older Used Vehicles Model Year 2015-2019 Loan
7.24%
36 Months
View
▼
APR7.24%
Term36 Months
Last UpdatedMay 30, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 months
View
▼
APR7.30%
Term84 months
Last UpdatedJun 3, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
7.35%
73 - 84
View
▼
APR7.35%
Term73 - 84
Last UpdatedMay 22, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older) - Max
7.40%
60 Months
View
▼
APR7.40%
Term60 Months
Last UpdatedMay 23, 2026
Details

$25,000; As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
7.50%
96 Months
View
▼
APR7.50%
Term96 Months
Last UpdatedMay 20, 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
View
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 23, 2026
Details

Rates range from 7.537% - 10.556% fixed APR; Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older) - Max
7.54%
72 Months
View
▼
APR7.54%
Term72 Months
Last UpdatedMay 23, 2026
Details

$25,000; As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Classic Used Vehicles Model Year 1972 and Older Loan
7.54%
48 Months
View
▼
APR7.54%
Term48 Months
Last UpdatedMay 30, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older) - Max
7.65%
84 Months
View
▼
APR7.65%
Term84 Months
Last UpdatedMay 23, 2026
Details

$25,000; As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Classic Used Vehicles Model Year 1972 and Older Loan
7.79%
72 Months
View
▼
APR7.79%
Term72 Months
Last UpdatedMay 30, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Older Used Vehicles Model Year 2015-2019 Loan
8.24%
48 Months
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▼
APR8.24%
Term48 Months
Last UpdatedMay 30, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loans
8.25%
108 Months
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▼
APR8.25%
Term108 Months
Last UpdatedMay 20, 2026
Details

As Low As

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles Loan
17.47%
1 to 84
View
▼
APR17.47%
Term1 to 84
Last UpdatedMay 31, 2026
Details

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.

View Full Washington Auto Trends →
New Auto Loan — WA Avg
5.907%
▲ 0.032 vs 7 days ago

Washington new auto rates rose 0.032 points over the past 7 days to 5.907% APR.

Used Auto Loan — WA Avg
6.778%
▼ 0.121 vs 7 days ago

Washington used auto rates fell 0.121 points over the past 7 days to 6.778% APR.

As of Jun 4, 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 Spokane, 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 Spokane, 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 Spokane, 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 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 Loan)
  • 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: June 3, 2026

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