Auto Loan Rates in District Of Columbia (DC) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in District Of Columbia include IDB Global Federal Credit UnionIDB Global Federal Credit Union1300 New York Ave NW, Washington, DC, 20577 0001A+5.0 ★Texas Ratio: 0.98% offering Auto Loan-New Vehicle (Fixed Rate) at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union1 Aviation Cir, Washington, DC, 20001A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Police Federal Credit UnionPolice Federal Credit Union441 4th St NW Ste 1140, Washington, DC, 20001 2714A+5.0 ★Texas Ratio: 1.85% offering New Autos at 3.74%, Commonwealth One Federal Credit UnionCommonwealth One Federal Credit Union441 G St NW Ste 3M54, Washington, DC, 20548 0001A-5.0 ★Texas Ratio: 12.83% offering Auto Loan at 3.89%, Census Federal Credit UnionCensus Federal Credit Union4600 Silver Hill Rd Rm 1K250, Washington, DC, 20233 0001A+5.0 ★Texas Ratio: 0.44% offering New Autos at 3.95%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across District Of Columbia side-by-side. District Of Columbia auto loan rates currently start as low as 3.25% APR from IDB Global Federal Credit Union at 1300 New York Ave NW, Washington, DC, 20577 0001. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in District Of Columbia. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in District Of Columbia
District Of Columbia Auto Loan Rates
APR* - From 81% to 100% LTV Ratio
As low as
As Low As
APR* - From 81% to 100% LTV Ratio
As low as
As Low As; Fixed APR*
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As
As Low As; - Minimum of $1,000 loan
As Low As*
As low as
Rates as of June 11, 2026
As Low As; Maximum Loan Amount: $150,000
As low as; Payment flexibility: 60 days with no payments; Quick approval: Apply in minutes for a fast decision; Budget-friendly terms: Finance up to 84 months
As Low As; - Minimum of $1,000 loan
APR* - From 81% to 100% LTV Ratio
As Low As*
As Low As; Fixed APR*
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As; Maximum Loan Amount: $150,000
As Low As; Maximum Loan Amount: $75,000
As Low As; Fixed APR*
As Low As; w/ Auto Pay Discount: 4.39%
As Low As; w/ Auto Pay Discount: 4.39%
APR* as low as**
APR discount for hybrids and electric vehicles. Flexible terms (up to 9 years), fixed or variable rates. Finance up to 125% including charging stations. No prepayment penalties. Easy online and automatic payments. Payments: $208.72 /mo. Fixed or variable rates.
48 Months as low as 4.50% APR*
As Low As; Fixed APR*
Rates as of June 11, 2026
As Low As
As low as
As Low As
As Low As
Loan Amount: $2,500+
As Low As; Maximum Loan Amount: $150,000
As Low As; Maximum Loan Amount: $75,000
As Low As; Fixed APR*
As Low As
As Low As; First payment may be deferred for up to 90 days. Interest will continue to accrue from the date of loan disbursal and be due once payments begin. Speak with a Signal team member for complete details. Membership required. Qualified applicants that open a new Visa Platinum Rewards credit card and a vehicle loan during the promo period will receive a 5,000 reward points bonus to their credit card rewards account. Qualified applicants that open a new Visa Signature Cash Back credit card and a vehicle loan during the promo period will receive a $50 cash back reward bonus to their credit card rewards account. Bonus rewards will be granted to qualified applicants 45 days after the promo end date. Credit card must be activated in order to receive bonus rewards. Membership required. APR=Annual Percentage Rate. Rates as of June 16, 2026. The APR shown above reflects the current minimum APR offered to qualified members enrolled in Signal Smart Plus and have automatic payments from a Signal account which results in a 0.25% APR discount, and an additional 0.25% promotional discount for Auto Loan applications entered during May 18, 2026 to July 6, 2026 promotional period. For members not enrolled in Signal Smart Plus, add 0.25% APR to the above advertised rates. Signal Smart Plus and promotional discounts do not apply to internal Signal Financial loan refinances. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, aggregate credit score and other underwriting factors. Maximum financed amount is determined by your credit score and a down payment may be required. Please apply or contact a Credit Union representative to determine the rate and term for which you qualify. Not all applicants will qualify or qualify for the lowest rate. Rates and terms are subject to change at any time without notice. Membership required.
As Low As; 100% Financing
Rates as of June 11, 2026
APR* as low as**
APR* - From 81% to 100% LTV Ratio
Rate is variable and indexed to the Prime Rate published by The Wall Street Journal. Rate may change on the last day of March, June, September, or December. Loan evaluation based on credit and repayment ability.
As Low As*
As Low As; - Minimum of $1,000 loan
60 Months as low as 4.85% APR*
As Low As; Rates starting at 4.87%
As Low As; Fixed APR*
Loan Amount: $2,500+
As Low As
As Low As; Maximum Loan Amount: $150,000
As Low As; Maximum Loan Amount: $75,000
As Low As; 100% Financing
As Low As*
As Low As; w/ Auto Pay Discount: 4.89%
As Low As; w/ Auto Pay Discount: 4.89%
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
As Low As
As Low As; - Minimum of $1,000 loan
As Low As; Fixed APR*
Rates as of June 11, 2026
Up to $25,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: $2,500+
Rates as of June 11, 2026
As Low As
As Low As; Maximum Loan Amount: $150,000
As Low As; Maximum Loan Amount: $75,000
As Low As
As Low As
APR* - From 81% to 100% LTV Ratio
Rate is variable and indexed to the Prime Rate published by The Wall Street Journal. Rate may change on the last day of March, June, September, or December. Loan evaluation based on credit and repayment ability.
APR is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
As Low As*
As Low As; Rates starting at 5.37%
As Low As; - Minimum of $7,000 loan
Loan Amount: $5,000+
Rates as of June 11, 2026
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As; Maximum Loan Amount: $75,000
As Low As; 100% Financing
As Low As; - Minimum of $7,000 loan
Loan Amount: $2,500+
As Low As
As Low As
As Low As; w/ Auto Pay Discount: 5.39%
As Low As; w/ Auto Pay Discount: 5.39%
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
Up to $15,000; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: Up to $15,000; Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable.
As Low As
As Low As; Fixed APR*
As Low As; - Minimum of $15,000 loan
Loan Amount: $15,000+
As Low As
As Low As; Used Vehicles
As Low As
As Low As
As Low As
As Low As; 100% Financing ($15K Min.)
Rates as of June 11, 2026
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.
APR* as low as**
APR is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied. Loan Amount: Over $35,000
As Low As; - Minimum of $15,000 loan
$15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; $15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Rates starting at 5.87%
As Low As; Fixed APR*
Rates as of June 11, 2026
As Low As; Used Vehicles
As Low As; Fixed APR*
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As; ***; Maximum Loan Amount: $300,000
As Low As; - Minimum of $30,000 loan
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.
As Low As
Rates as of June 11, 2026
Loan Amount: $15,000+
As Low As; - Minimum of $30,000 loan
As Low As
As Low As; ***; Maximum Loan Amount: $300,000
As Low As; Fixed APR*
As Low As
As Low As
As Low As; 100% Financing
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
As Low As*
As Low As; Rates starting at 6.37%
Rates as of June 11, 2026
$15,000 to $35,000; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: $15,000 to $35,000; Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable.
As Low As; ***; Maximum Loan Amount: $300,000
As Low As; Maximum Loan Amount: $150,000
As Low As
As Low As; w/ Auto Pay Discount: 6.39%
As Low As; w/ Auto Pay Discount: 6.39%
As Low As; Used Vehicles
As Low As
As Low As; ***; Maximum Loan Amount: $300,000
As Low As; Maximum Loan Amount: $150,000
As Low As
As Low As; 100% of the purchase price using NADA Average Retail value.
Rate is variable and indexed to the Prime Rate published by The Wall Street Journal. Rate may change on the last day of March, June, September, or December. Loan evaluation based on credit and repayment ability.
As Low As; Fixed APR*
Loan Amount: $20,000+
As Low As; ***; Maximum Loan Amount: $300,000
As Low As; Maximum Loan Amount: $150,000
As Low As
As Low As
$35,000+; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; $35,000+; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Fixed APR*
Loan Amount: $20,000+
As Low As
As Low As; ***; Maximum Loan Amount: $300,000
As Low As; Maximum Loan Amount: $150,000
As Low As; 100% of the purchase price using NADA Average Retail value.
As Low As; Used Vehicles
$35,000+; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: $35,000+; Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable.
As Low As; ***; Maximum Loan Amount: $300,000
As Low As; Maximum Loan Amount: $150,000
As Low As
As Low As; w/ Auto Pay Discount: 7.39%
As Low As; w/ Auto Pay Discount: 7.39%
As Low As; Maximum Loan Amount: $150,000
District Of Columbia New Auto Auto Loan Rates
APR* - From 81% to 100% LTV Ratio
As low as
As Low As
APR* - From 81% to 100% LTV Ratio
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As
As Low As; - Minimum of $1,000 loan
As Low As*
As low as
Rates as of June 11, 2026
As Low As; Maximum Loan Amount: $150,000
APR* - From 81% to 100% LTV Ratio
As Low As*
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As; Maximum Loan Amount: $150,000
As Low As; w/ Auto Pay Discount: 4.39%
APR* as low as**
Rates as of June 11, 2026
As Low As
As Low As
As Low As; Maximum Loan Amount: $150,000
As Low As
As Low As; 100% Financing
APR* as low as**
APR* - From 81% to 100% LTV Ratio
Rate is variable and indexed to the Prime Rate published by The Wall Street Journal. Rate may change on the last day of March, June, September, or December. Loan evaluation based on credit and repayment ability.
As Low As*
As Low As; - Minimum of $1,000 loan
As Low As; Maximum Loan Amount: $150,000
As Low As; 100% Financing
As Low As; w/ Auto Pay Discount: 4.89%
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
Rates as of June 11, 2026
Up to $25,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As
As Low As; Maximum Loan Amount: $150,000
As Low As
APR* - From 81% to 100% LTV Ratio
Rate is variable and indexed to the Prime Rate published by The Wall Street Journal. Rate may change on the last day of March, June, September, or December. Loan evaluation based on credit and repayment ability.
As Low As; - Minimum of $7,000 loan
Rates as of June 11, 2026
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As; 100% Financing
As Low As
As Low As
As Low As; w/ Auto Pay Discount: 5.39%
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
As Low As
As Low As; - Minimum of $15,000 loan
As Low As
As Low As
As Low As
As Low As; 100% Financing ($15K Min.)
APR* as low as**
$15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; $15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
Rates as of June 11, 2026
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As; ***; Maximum Loan Amount: $300,000
As Low As; - Minimum of $30,000 loan
As Low As
As Low As; ***; Maximum Loan Amount: $300,000
As Low As
As Low As; 100% Financing
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
Rates as of June 11, 2026
As Low As; ***; Maximum Loan Amount: $300,000
As Low As
As Low As; w/ Auto Pay Discount: 6.39%
As Low As; ***; Maximum Loan Amount: $300,000
Rate is variable and indexed to the Prime Rate published by The Wall Street Journal. Rate may change on the last day of March, June, September, or December. Loan evaluation based on credit and repayment ability.
As Low As; ***; Maximum Loan Amount: $300,000
As Low As
As Low As
$35,000+; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; $35,000+; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As
As Low As; ***; Maximum Loan Amount: $300,000
As Low As; ***; Maximum Loan Amount: $300,000
As Low As
As Low As; w/ Auto Pay Discount: 7.39%
District Of Columbia Used Auto Auto Loan Rates
As low as
As Low As; - Minimum of $1,000 loan
As Low As; Maximum Loan Amount: $75,000
As Low As; w/ Auto Pay Discount: 4.39%
As low as
As Low As
As Low As; Maximum Loan Amount: $75,000
Rates as of June 11, 2026
As Low As
As Low As; Maximum Loan Amount: $75,000
As Low As*
As Low As; w/ Auto Pay Discount: 4.89%
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
As Low As
As Low As; - Minimum of $1,000 loan
As Low As; Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
Rates as of June 11, 2026
As Low As; Maximum Loan Amount: $75,000
As Low As
APR is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.
As Low As*
As Low As; Maximum Loan Amount: $75,000
As Low As; - Minimum of $7,000 loan
As Low As
As Low As
As Low As; w/ Auto Pay Discount: 5.39%
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
Up to $15,000; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: Up to $15,000; Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable.
As Low As; Used Vehicles
As Low As
Rates as of June 11, 2026
APR is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied. Loan Amount: Over $35,000
As Low As; - Minimum of $15,000 loan
As Low As; $15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Used Vehicles
As Low As; Fixed APR*
Rates as of June 11, 2026
As Low As; - Minimum of $30,000 loan
As Low As
As Low As; Fixed APR*
As Low As
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
As Low As*
$15,000 to $35,000; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: $15,000 to $35,000; Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable.
As Low As; Maximum Loan Amount: $150,000
As Low As
As Low As; w/ Auto Pay Discount: 6.39%
As Low As; Used Vehicles
As Low As
As Low As; Maximum Loan Amount: $150,000
As Low As
As Low As; 100% of the purchase price using NADA Average Retail value.
As Low As; Fixed APR*
As Low As; Maximum Loan Amount: $150,000
As Low As
As Low As; $35,000+; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Fixed APR*
As Low As
As Low As; Maximum Loan Amount: $150,000
As Low As; 100% of the purchase price using NADA Average Retail value.
As Low As; Used Vehicles
$35,000+; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: $35,000+; Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable.
As Low As; Maximum Loan Amount: $150,000
As Low As
As Low As; w/ Auto Pay Discount: 7.39%
As Low As; Maximum Loan Amount: $150,000
District Of Columbia Auto Loan Rate Trends
Compare local District Of Columbia 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.
District Of Columbia new auto rates rose 0.286 points over the past 7 days to 5.143% APR.
District Of Columbia used auto rates rose 0.179 points over the past 7 days to 5.529% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our District Of Columbia 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 District Of Columbia 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 District Of Columbia. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in DC.
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 District Of Columbia
How does my credit score affect my car loan rate in District Of Columbia?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in District Of Columbia?
- IDB Global Federal Credit Union: 3.25% (Auto Loan-New Vehicle (Fixed Rate))
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Police Federal Credit Union: 3.74% (New Autos)
- Commonwealth One Federal Credit Union: 3.89% (Auto Loan)
- Census Federal Credit Union: 3.95% (New Autos)
District Of Columbia Rates & Resources
Auto Loan Rates by City in District Of Columbia
