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Auto Loan Rates in Albany, Oregon (OR) for March 2026

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Brian McKay Brian McKay
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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 Albany, Oregon. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: March 20, 2026

Current auto loan rates in Albany, Oregon include Central Willamette Credit UnionCentral Willamette Credit Union7101 Supra Dr SW, Albany, OR, 97321A5.0 ★Texas Ratio: 6.01% offering New Auto at 5.24%, Oregon State Credit UnionOregon State Credit Union1394 Clay St SE, Albany, OR, 97322 6884A+5.0 ★Texas Ratio: 3.04% offering New auto (2025 - 2027) at 5.44%, OnPoint Community Credit UnionOnPoint Community Credit Union2500 Santiam Hwy SE, Albany, OR, 97322 5265A+5.0 ★Texas Ratio: 3.91% offering New auto (2023 and newer) at 5.99%, South Coast ILWU Federal Credit UnionSouth Coast ILWU Federal Credit Union2438 Broadway Ave, North Bend, OR, 97459A+5.0 ★Texas Ratio: 0.00% offering New or Used Auto Loans at 3.85%, IBEW And United Workers Federal Credit UnionIBEW And United Workers Federal Credit Union9955 SE Washington St, Portland, OR, 97216A+5.0 ★Texas Ratio: 3.91% offering New Vehicle Loan 2024 & Newer at 3.99%.

Auto loan rates in Albany, Oregon are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.

We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Albany, Oregon. Auto Loan Rates Last Updated and Verified: March 20, 2026

Compare Auto Loan Rates Today in Albany, Oregon & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
7101 Supra Dr SW, Albany, OR, 97321
New Auto
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMar 18, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
1394 Clay St SE, Albany, OR, 97322 6884
New auto (2025 - 2027)
5.44%
72 Months
View
▼
APR5.44%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
7101 Supra Dr SW, Albany, OR, 97321
New Auto
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
1394 Clay St SE, Albany, OR, 97322 6884
Used auto (2011 - 2024)
5.94%
72 Months
View
▼
APR5.94%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
7101 Supra Dr SW, Albany, OR, 97321
Used Auto
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMar 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
2500 Santiam Hwy SE, Albany, OR, 97322 5265
New auto (2023 and newer)
5.99%
36-60
View
▼
APR5.99%
Term36-60
Last UpdatedMar 15, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
2500 Santiam Hwy SE, Albany, OR, 97322 5265
Used auto (2016-2022)
6.14%
36-60
View
▼
APR6.14%
Term36-60
Last UpdatedMar 15, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
2500 Santiam Hwy SE, Albany, OR, 97322 5265
New auto (2023 and newer)
6.24%
72 Months
View
▼
APR6.24%
Term72 Months
Last UpdatedMar 15, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
2500 Santiam Hwy SE, Albany, OR, 97322 5265
Used auto (2016-2022)
6.39%
72 Months
View
▼
APR6.39%
Term72 Months
Last UpdatedMar 15, 2026
Details

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
7101 Supra Dr SW, Albany, OR, 97321
Used Auto
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMar 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
2500 Santiam Hwy SE, Albany, OR, 97322 5265
New auto (2023 and newer)
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMar 15, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
2500 Santiam Hwy SE, Albany, OR, 97322 5265
Used auto (2020-2022)
6.84%
84 Months
View
▼
APR6.84%
Term84 Months
Last UpdatedMar 15, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
1394 Clay St SE, Albany, OR, 97322 6884
Used auto (2011 - 2024)
6.93%
84 Months
View
▼
APR6.93%
Term84 Months
Last UpdatedMar 15, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
2500 Santiam Hwy SE, Albany, OR, 97322 5265
New auto (2023 and newer)
7.24%
96 Months
View
▼
APR7.24%
Term96 Months
Last UpdatedMar 15, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
1394 Clay St SE, Albany, OR, 97322 6884
New auto (2025 - 2027)
7.43%
96 Months
View
▼
APR7.43%
Term96 Months
Last UpdatedMar 15, 2026
Details

As Low As

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
1394 Clay St SE, Albany, OR, 97322 6884
Used auto (2011 - 2024)
7.68%
96 Months
View
▼
APR7.68%
Term96 Months
Last UpdatedMar 15, 2026
Details

As Low As

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
7101 Supra Dr SW, Albany, OR, 97321
New Auto
7.89%
96 Months
View
▼
APR7.89%
Term96 Months
Last UpdatedMar 18, 2026
Details

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
7101 Supra Dr SW, Albany, OR, 97321
Used Auto
8.14%
96 Months
View
▼
APR8.14%
Term96 Months
Last UpdatedMar 18, 2026
Details

South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2438 Broadway Ave, North Bend, OR, 97459
New or Used Auto Loans
3.85%
72 Months
View
▼
APR3.85%
Term72 Months
Last UpdatedMar 17, 2026
Details

IBEW And United Workers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
9955 SE Washington St, Portland, OR, 97216
New Vehicle Loan 2024 & Newer
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Current to 2-year-old model vehicles with terms up to 84 months

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
11620 NE Ainsworth Cir, Portland, OR, 97220
New Vehicles
4.24%
36-84 months
View
▼
APR4.24%
Term36-84 months
Last UpdatedMar 17, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; New

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMar 20, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
1370 Center Dr, Medford, OR, 97501 7941
Newer (2023 and Newer) Auto Loans
4.49%
36 Month
View
▼
APR4.49%
Term36 Month
Last UpdatedMar 11, 2026
Details

As Low As

Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
850 Beltline Rd, Springfield, OR, 97477
New Vehicles Loans
4.50%
Up to 84 months
View
▼
APR4.50%
TermUp to 84 months
Last UpdatedMar 15, 2026
Details

2024 & Newer Purchase or Refinance. Up to 85% of MSRP (New-Never Titled) Up to 105% of Kelly Lending Value (Used - Titled)

Benton County Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2101 NW Professional DR, Corvallis, OR, 97330
New Vehicle - Variable Rate Loans
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedMar 16, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedMar 17, 2026
Details

As Low As; 2024 & Newer

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
1370 Center Dr, Medford, OR, 97501 7941
Older (2022 and Older) Auto Loans
4.74%
36 Month
View
▼
APR4.74%
Term36 Month
Last UpdatedMar 11, 2026
Details

As Low As

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
11619 Island Ave, Island City, OR, 97850
Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Auto Loan (vehicle year 2022 - 2026)
4.75%
3 Months
View
▼
APR4.75%
Term3 Months
Last UpdatedMar 17, 2026
Details

As Low As; APR*

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As; New

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
11619 Island Ave, Island City, OR, 97850
Auto Loan
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMar 18, 2026
Details

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedMar 17, 2026
Details

As Low As; 2024 & Newer

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
4.99%
Up to 66 months
View
▼
APR4.99%
TermUp to 66 months
Last UpdatedMar 15, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
4.99%
24 months
View
▼
APR4.99%
Term24 months
Last UpdatedMar 15, 2026
Details

As Low As; For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments.

Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
12550 SE 93rd Ave, Clackamas, OR, 97015
New/Used Autos Fixed
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 20, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
1370 Center Dr, Medford, OR, 97501 7941
Newer (2023 and Newer) Auto Loans
4.99%
72 Month
View
▼
APR4.99%
Term72 Month
Last UpdatedMar 11, 2026
Details

As Low As

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
1370 Center Dr, Medford, OR, 97501 7941
Older (2022 and Older) Auto Loans
4.99%
60 Month
View
▼
APR4.99%
Term60 Month
Last UpdatedMar 11, 2026
Details

As Low As

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Auto Loan (vehicle year 2022 - 2026)
5.00%
5 Months
View
▼
APR5.00%
Term5 Months
Last UpdatedMar 17, 2026
Details

As Low As; APR*

Benton County Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2101 NW Professional DR, Corvallis, OR, 97330
New Vehicle
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMar 16, 2026
Details

Benton County Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2101 NW Professional DR, Corvallis, OR, 97330
New Vehicle - Fixed Rate Loans - Effective March 1, 2026
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMar 16, 2026
Details

Benton County Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2101 NW Professional DR, Corvallis, OR, 97330
Used Vehicle (less than 6 model years old) - Variable Rate Loans
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMar 16, 2026
Details

Margin: 4.00%; Minimum APR: 4.50%

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMar 20, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
11620 NE Ainsworth Cir, Portland, OR, 97220
Used Vehicles
5.24%
36-84 months
View
▼
APR5.24%
Term36-84 months
Last UpdatedMar 17, 2026
Details

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedMar 17, 2026
Details

As Low As; 2018-2023

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedMar 15, 2026
Details

As Low As; For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments.

Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
12550 SE 93rd Ave, Clackamas, OR, 97015
New/Used Autos Fixed
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedMar 20, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
1370 Center Dr, Medford, OR, 97501 7941
Older (2022 and Older) Auto Loans
5.24%
72 Month
View
▼
APR5.24%
Term72 Month
Last UpdatedMar 11, 2026
Details

As Low As

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Auto Loan (vehicle year 2022 - 2026)
5.25%
6 Months
View
▼
APR5.25%
Term6 Months
Last UpdatedMar 17, 2026
Details

As Low As; APR*

Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
10333 SE Main St, Portland, OR, 97216 2940
New Vehicles
5.25%
24-84
View
▼
APR5.25%
Term24-84
Last UpdatedMar 17, 2026
Details

Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
10333 SE Main St, Portland, OR, 97216 2940
Used Vehicle
5.25%
24-84
View
▼
APR5.25%
Term24-84
Last UpdatedMar 17, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
4620 SE International Way Ste 105, Milwaukie, OR, 97222
New Auto
5.25%
Up to 84 Months
View
▼
APR5.25%
TermUp to 84 Months
Last UpdatedMar 16, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMar 20, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMar 20, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.29%
Up to 36 months
View
▼
APR5.29%
TermUp to 36 months
Last UpdatedMar 15, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
5.34%
24 months
View
▼
APR5.34%
Term24 months
Last UpdatedMar 15, 2026
Details

As Low As

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedMar 17, 2026
Details

As Low As; 2018-2023

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
NEW VEHICLE
5.49%
96 Months
View
▼
APR5.49%
Term96 Months
Last UpdatedMar 16, 2026
Details

Up to 100% Financing

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
USED VEHICLE
5.49%
84 Months**
View
▼
APR5.49%
Term84 Months**
Last UpdatedMar 16, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.49%
37-60 months
View
▼
APR5.49%
Term37-60 months
Last UpdatedMar 15, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedMar 15, 2026
Details

As Low As; For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments.

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
1370 Center Dr, Medford, OR, 97501 7941
Newer (2023 and Newer) Auto Loans
5.49%
84 Month
View
▼
APR5.49%
Term84 Month
Last UpdatedMar 11, 2026
Details

As Low As

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Auto Loan (vehicle year 2025 - 2026)
5.50%
3 Months
View
▼
APR5.50%
Term3 Months
Last UpdatedMar 17, 2026
Details

As Low As; 4.50%

Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
850 Beltline Rd, Springfield, OR, 97477
New Vehicles Loans
5.50%
Up to 84 months
View
▼
APR5.50%
TermUp to 84 months
Last UpdatedMar 15, 2026
Details

2024 & Newer Purchase or Refinance. Up to 85% of MSRP (New-Never Titled) Up to 105% of Kelly Lending Value (Used - Titled)

United Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
20210 SW Teton Ave, Tualatin, OR, 97062
New Vehicle
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMar 15, 2026
Details

As Low As; Vehicle that is 2024 or newer and with 40,000 or less miles.

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
5.50%
Up to 42 Months
View
▼
APR5.50%
TermUp to 42 Months
Last UpdatedMar 15, 2026
Details

Benton County Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2101 NW Professional DR, Corvallis, OR, 97330
Used Vehicle (greater than 6 model years old) - Variable Rate Loans
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedMar 16, 2026
Details

Margin: 4.50%; Minimum APR: 5.00%

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
4620 SE International Way Ste 105, Milwaukie, OR, 97222
Used Auto
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedMar 16, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMar 20, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMar 20, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1004 Pacific Ave, Hood River, OR, 97031 1961
New Auto
5.54%
Up to 60 months
View
▼
APR5.54%
TermUp to 60 months
Last UpdatedMar 15, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.59%
61-66 months
View
▼
APR5.59%
Term61-66 months
Last UpdatedMar 15, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
5.59%
60 months
View
▼
APR5.59%
Term60 months
Last UpdatedMar 15, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1004 Pacific Ave, Hood River, OR, 97031 1961
New Auto
5.64%
61 - 72 months
View
▼
APR5.64%
Term61 - 72 months
Last UpdatedMar 15, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1004 Pacific Ave, Hood River, OR, 97031 1961
Used Auto
5.69%
Up to 60 months
View
▼
APR5.69%
TermUp to 60 months
Last UpdatedMar 15, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019)
5.69%
42 Months
View
▼
APR5.69%
Term42 Months
Last UpdatedMar 15, 2026
Details

As Low As; APR (Max): 17.44%

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.69%
67-75 months
View
▼
APR5.69%
Term67-75 months
Last UpdatedMar 15, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedMar 15, 2026
Details

As Low As; For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments.

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
1370 Center Dr, Medford, OR, 97501 7941
Older (2022 and Older) Auto Loans
5.74%
84 Month
View
▼
APR5.74%
Term84 Month
Last UpdatedMar 11, 2026
Details

As Low As

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Auto Loan (vehicle year 2025 - 2026)
5.75%
5 Months
View
▼
APR5.75%
Term5 Months
Last UpdatedMar 17, 2026
Details

As Low As; 4.75%

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1004 Pacific Ave, Hood River, OR, 97031 1961
Used Auto
5.79%
61 - 72 months
View
▼
APR5.79%
Term61 - 72 months
Last UpdatedMar 15, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1004 Pacific Ave, Hood River, OR, 97031 1961
New Auto
5.84%
73 - 84 months
View
▼
APR5.84%
Term73 - 84 months
Last UpdatedMar 15, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
5.84%
72 months
View
▼
APR5.84%
Term72 months
Last UpdatedMar 15, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1004 Pacific Ave, Hood River, OR, 97031 1961
Used Auto
5.99%
73 - 84 months
View
▼
APR5.99%
Term73 - 84 months
Last UpdatedMar 15, 2026
Details

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
Auto Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMar 18, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.99%
76-84 months
View
▼
APR5.99%
Term76-84 months
Last UpdatedMar 15, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
1370 Center Dr, Medford, OR, 97501 7941
Newer (2023 and Newer) Auto Loans
5.99%
96 Month
View
▼
APR5.99%
Term96 Month
Last UpdatedMar 11, 2026
Details

As Low As

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Auto Loan (vehicle year 2025 - 2026)
6.00%
6 Months
View
▼
APR6.00%
Term6 Months
Last UpdatedMar 17, 2026
Details

As Low As; 5.00%

Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
850 Beltline Rd, Springfield, OR, 97477
Used Auto
6.00%
Up to 72 months
View
▼
APR6.00%
TermUp to 72 months
Last UpdatedMar 15, 2026
Details

Used Auto Loan Category: (2023 & Older) Purchase or Refinance Up to 105% of Kelley Wholesale Value

United Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
20210 SW Teton Ave, Tualatin, OR, 97062
Used Vehicle 1
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As; 2016-2023 or 2024+ with over 40,000 miles.

Benton County Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2101 NW Professional DR, Corvallis, OR, 97330
Used Vehicle (less than 6 model years old) - Fixed Rate Loans
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedMar 16, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
6.09%
84 months
View
▼
APR6.09%
Term84 months
Last UpdatedMar 15, 2026
Details

As Low As

IBEW And United Workers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
9955 SE Washington St, Portland, OR, 97216
Used Auto 2015 & Older
6.14%
36 Months
View
▼
APR6.14%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Vehicles older than 10 years with terms up to 72 months

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
6.24%
84 months
View
▼
APR6.24%
Term84 months
Last UpdatedMar 17, 2026
Details

As Low As; 2018-2023

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Auto Loan (vehicle year 2025 - 2026)
6.25%
7 Months
View
▼
APR6.25%
Term7 Months
Last UpdatedMar 17, 2026
Details

As Low As; 5.25%

Benton County Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2101 NW Professional DR, Corvallis, OR, 97330
Used Vehicle (greater than 6 model years old) - Fixed Rate Loans
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedMar 16, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019)
6.29%
66 Months
View
▼
APR6.29%
Term66 Months
Last UpdatedMar 15, 2026
Details

As Low As; APR (Max): 16.24%

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
Auto Loan
6.49%
96 Months
View
▼
APR6.49%
Term96 Months
Last UpdatedMar 18, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
6.50%
Up to 90 months
View
▼
APR6.50%
TermUp to 90 months
Last UpdatedMar 15, 2026
Details

Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
6.99%
36 months
View
▼
APR6.99%
Term36 months
Last UpdatedMar 17, 2026
Details

As Low As; 2017 & Older

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
6.99%
1-60 months
View
▼
APR6.99%
Term1-60 months
Last UpdatedMar 15, 2026
Details

As Low As

Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
850 Beltline Rd, Springfield, OR, 97477
Used Auto
7.00%
Up to 72 months
View
▼
APR7.00%
TermUp to 72 months
Last UpdatedMar 15, 2026
Details

Used Auto Loan Category: (2023 & Older) Purchase or Refinance Up to 105% of Kelley Wholesale Value

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019)
7.19%
90 Months
View
▼
APR7.19%
Term90 Months
Last UpdatedMar 15, 2026
Details

As Low As; APR (Max): 8.89%

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
Auto Loan
7.24%
48 Months
View
▼
APR7.24%
Term48 Months
Last UpdatedMar 18, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles 2019-2025
7.25%
4 Months
View
▼
APR7.25%
Term4 Months
Last UpdatedMar 17, 2026
Details

As Low As

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
Auto Loan
7.49%
84 Months
View
▼
APR7.49%
Term84 Months
Last UpdatedMar 18, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Vehicles
7.50%
2 Months
View
▼
APR7.50%
Term2 Months
Last UpdatedMar 17, 2026
Details

As Low As; 6.500%

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles 2017-2018
7.50%
3 Months
View
▼
APR7.50%
Term3 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
20210 SW Teton Ave, Tualatin, OR, 97062
Used Vehicle 2
7.74%
60 Months
View
▼
APR7.74%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As; 2015 or older or any vehicle with over 100,000 miles.

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Vehicles
7.75%
4 Months
View
▼
APR7.75%
Term4 Months
Last UpdatedMar 17, 2026
Details

As Low As; 6.750%

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
USED VEHICLE TEN YEARS OR OLDER
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedMar 16, 2026
Details

Amount Financed: 80% of Retail Book Value

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Vehicles
8.00%
5 Months
View
▼
APR8.00%
Term5 Months
Last UpdatedMar 17, 2026
Details

As Low As; 7.000%

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
Auto Loan
8.24%
120 Months
View
▼
APR8.24%
Term120 Months
Last UpdatedMar 18, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Vehicles
8.25%
6 Months
View
▼
APR8.25%
Term6 Months
Last UpdatedMar 17, 2026
Details

As Low As; 7.250%

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles
8.25%
3 Months
View
▼
APR8.25%
Term3 Months
Last UpdatedMar 17, 2026
Details

As Low As

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
Auto Loan
8.49%
144 Months
View
▼
APR8.49%
Term144 Months
Last UpdatedMar 18, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles
8.50%
4 Months
View
▼
APR8.50%
Term4 Months
Last UpdatedMar 17, 2026
Details

As Low As

Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1123 W Harvard Ave, Roseburg, OR, 97471 2834
Auto Loan
8.74%
180 Months
View
▼
APR8.74%
Term180 Months
Last UpdatedMar 18, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles
8.75%
5 Months
View
▼
APR8.75%
Term5 Months
Last UpdatedMar 17, 2026
Details

As Low As

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019)
8.89%
90 Months
View
▼
APR8.89%
Term90 Months
Last UpdatedMar 15, 2026
Details

APR (Max)

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles 2015-2016
9.50%
2 Months
View
▼
APR9.50%
Term2 Months
Last UpdatedMar 17, 2026
Details

As Low As

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Older Models (Model Years 2016 and older) Auto Loan
10.00%
42 Months
View
▼
APR10.00%
Term42 Months
Last UpdatedMar 15, 2026
Details

As Low As; APR (Min)

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles
10.50%
2 Months
View
▼
APR10.50%
Term2 Months
Last UpdatedMar 17, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles
10.75%
3 Months
View
▼
APR10.75%
Term3 Months
Last UpdatedMar 17, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles
11.00%
4 Months
View
▼
APR11.00%
Term4 Months
Last UpdatedMar 17, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Older Models (Model Years 2016 and older) Auto Loan
11.20%
66 Months
View
▼
APR11.20%
Term66 Months
Last UpdatedMar 15, 2026
Details

As Low As; APR (Min)

Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
247 E Powell Blvd, Gresham, OR, 97030 7605
First Time Auto Buyer
11.50%
60 Months
View
▼
APR11.50%
Term60 Months
Last UpdatedMar 15, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Older Models (Model Years 2016 and older) Auto Loan
12.65%
42 Months
View
▼
APR12.65%
Term42 Months
Last UpdatedMar 15, 2026
Details

As Low As; APR (Max)

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Older Models (Model Years 2016 and older) Auto Loan
13.75%
66 Months
View
▼
APR13.75%
Term66 Months
Last UpdatedMar 15, 2026
Details

As Low As; APR (Max)

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019)
16.24%
66 Months
View
▼
APR16.24%
Term66 Months
Last UpdatedMar 15, 2026
Details

APR (Max)

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019)
17.44%
42 Months
View
▼
APR17.44%
Term42 Months
Last UpdatedMar 15, 2026
Details

APR (Max)

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
7101 Supra Dr SW, Albany, OR, 97321
New Auto
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMar 18, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
1394 Clay St SE, Albany, OR, 97322 6884
New auto (2025 - 2027)
5.44%
72 Months
View
▼
APR5.44%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
7101 Supra Dr SW, Albany, OR, 97321
New Auto
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
2500 Santiam Hwy SE, Albany, OR, 97322 5265
New auto (2023 and newer)
5.99%
36-60
View
▼
APR5.99%
Term36-60
Last UpdatedMar 15, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
2500 Santiam Hwy SE, Albany, OR, 97322 5265
New auto (2023 and newer)
6.24%
72 Months
View
▼
APR6.24%
Term72 Months
Last UpdatedMar 15, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
2500 Santiam Hwy SE, Albany, OR, 97322 5265
New auto (2023 and newer)
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMar 15, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
2500 Santiam Hwy SE, Albany, OR, 97322 5265
New auto (2023 and newer)
7.24%
96 Months
View
▼
APR7.24%
Term96 Months
Last UpdatedMar 15, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
1394 Clay St SE, Albany, OR, 97322 6884
New auto (2025 - 2027)
7.43%
96 Months
View
▼
APR7.43%
Term96 Months
Last UpdatedMar 15, 2026
Details

As Low As

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
7101 Supra Dr SW, Albany, OR, 97321
New Auto
7.89%
96 Months
View
▼
APR7.89%
Term96 Months
Last UpdatedMar 18, 2026
Details

South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2438 Broadway Ave, North Bend, OR, 97459
New or Used Auto Loans
3.85%
72 Months
View
▼
APR3.85%
Term72 Months
Last UpdatedMar 17, 2026
Details

IBEW And United Workers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
9955 SE Washington St, Portland, OR, 97216
New Vehicle Loan 2024 & Newer
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Current to 2-year-old model vehicles with terms up to 84 months

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
11620 NE Ainsworth Cir, Portland, OR, 97220
New Vehicles
4.24%
36-84 months
View
▼
APR4.24%
Term36-84 months
Last UpdatedMar 17, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; New

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMar 20, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
1370 Center Dr, Medford, OR, 97501 7941
Newer (2023 and Newer) Auto Loans
4.49%
36 Month
View
▼
APR4.49%
Term36 Month
Last UpdatedMar 11, 2026
Details

As Low As

Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
850 Beltline Rd, Springfield, OR, 97477
New Vehicles Loans
4.50%
Up to 84 months
View
▼
APR4.50%
TermUp to 84 months
Last UpdatedMar 15, 2026
Details

2024 & Newer Purchase or Refinance. Up to 85% of MSRP (New-Never Titled) Up to 105% of Kelly Lending Value (Used - Titled)

Benton County Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2101 NW Professional DR, Corvallis, OR, 97330
New Vehicle - Variable Rate Loans
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedMar 16, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As; New

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
4.99%
Up to 66 months
View
▼
APR4.99%
TermUp to 66 months
Last UpdatedMar 15, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
4.99%
24 months
View
▼
APR4.99%
Term24 months
Last UpdatedMar 15, 2026
Details

As Low As; For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments.

Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
12550 SE 93rd Ave, Clackamas, OR, 97015
New/Used Autos Fixed
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 20, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
1370 Center Dr, Medford, OR, 97501 7941
Newer (2023 and Newer) Auto Loans
4.99%
72 Month
View
▼
APR4.99%
Term72 Month
Last UpdatedMar 11, 2026
Details

As Low As

Benton County Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2101 NW Professional DR, Corvallis, OR, 97330
New Vehicle
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMar 16, 2026
Details

Benton County Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2101 NW Professional DR, Corvallis, OR, 97330
New Vehicle - Fixed Rate Loans - Effective March 1, 2026
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMar 16, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMar 20, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedMar 15, 2026
Details

As Low As; For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments.

Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
12550 SE 93rd Ave, Clackamas, OR, 97015
New/Used Autos Fixed
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedMar 20, 2026
Details

Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
10333 SE Main St, Portland, OR, 97216 2940
New Vehicles
5.25%
24-84
View
▼
APR5.25%
Term24-84
Last UpdatedMar 17, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
4620 SE International Way Ste 105, Milwaukie, OR, 97222
New Auto
5.25%
Up to 84 Months
View
▼
APR5.25%
TermUp to 84 Months
Last UpdatedMar 16, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMar 20, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMar 20, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.29%
Up to 36 months
View
▼
APR5.29%
TermUp to 36 months
Last UpdatedMar 15, 2026
Details

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
NEW VEHICLE
5.49%
96 Months
View
▼
APR5.49%
Term96 Months
Last UpdatedMar 16, 2026
Details

Up to 100% Financing

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.49%
37-60 months
View
▼
APR5.49%
Term37-60 months
Last UpdatedMar 15, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedMar 15, 2026
Details

As Low As; For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments.

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
1370 Center Dr, Medford, OR, 97501 7941
Newer (2023 and Newer) Auto Loans
5.49%
84 Month
View
▼
APR5.49%
Term84 Month
Last UpdatedMar 11, 2026
Details

As Low As

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Auto Loan (vehicle year 2025 - 2026)
5.50%
3 Months
View
▼
APR5.50%
Term3 Months
Last UpdatedMar 17, 2026
Details

As Low As; 4.50%

Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
850 Beltline Rd, Springfield, OR, 97477
New Vehicles Loans
5.50%
Up to 84 months
View
▼
APR5.50%
TermUp to 84 months
Last UpdatedMar 15, 2026
Details

2024 & Newer Purchase or Refinance. Up to 85% of MSRP (New-Never Titled) Up to 105% of Kelly Lending Value (Used - Titled)

United Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
20210 SW Teton Ave, Tualatin, OR, 97062
New Vehicle
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMar 15, 2026
Details

As Low As; Vehicle that is 2024 or newer and with 40,000 or less miles.

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
5.50%
Up to 42 Months
View
▼
APR5.50%
TermUp to 42 Months
Last UpdatedMar 15, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMar 20, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMar 20, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1004 Pacific Ave, Hood River, OR, 97031 1961
New Auto
5.54%
Up to 60 months
View
▼
APR5.54%
TermUp to 60 months
Last UpdatedMar 15, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.59%
61-66 months
View
▼
APR5.59%
Term61-66 months
Last UpdatedMar 15, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1004 Pacific Ave, Hood River, OR, 97031 1961
New Auto
5.64%
61 - 72 months
View
▼
APR5.64%
Term61 - 72 months
Last UpdatedMar 15, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.69%
67-75 months
View
▼
APR5.69%
Term67-75 months
Last UpdatedMar 15, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
New Vehicle Loan (2023 and newer)
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedMar 15, 2026
Details

As Low As; For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments.

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Auto Loan (vehicle year 2025 - 2026)
5.75%
5 Months
View
▼
APR5.75%
Term5 Months
Last UpdatedMar 17, 2026
Details

As Low As; 4.75%

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1004 Pacific Ave, Hood River, OR, 97031 1961
New Auto
5.84%
73 - 84 months
View
▼
APR5.84%
Term73 - 84 months
Last UpdatedMar 15, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
1300 SW 6th Ave, Portland, OR, 97201 3464
New Autos (2025 or Newer)
5.99%
76-84 months
View
▼
APR5.99%
Term76-84 months
Last UpdatedMar 15, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
1370 Center Dr, Medford, OR, 97501 7941
Newer (2023 and Newer) Auto Loans
5.99%
96 Month
View
▼
APR5.99%
Term96 Month
Last UpdatedMar 11, 2026
Details

As Low As

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Auto Loan (vehicle year 2025 - 2026)
6.00%
6 Months
View
▼
APR6.00%
Term6 Months
Last UpdatedMar 17, 2026
Details

As Low As; 5.00%

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Auto Loan (vehicle year 2025 - 2026)
6.25%
7 Months
View
▼
APR6.25%
Term7 Months
Last UpdatedMar 17, 2026
Details

As Low As; 5.25%

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
New Autos (Model Years 2020-2026)
6.50%
Up to 90 months
View
▼
APR6.50%
TermUp to 90 months
Last UpdatedMar 15, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Vehicles
7.50%
2 Months
View
▼
APR7.50%
Term2 Months
Last UpdatedMar 17, 2026
Details

As Low As; 6.500%

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Vehicles
7.75%
4 Months
View
▼
APR7.75%
Term4 Months
Last UpdatedMar 17, 2026
Details

As Low As; 6.750%

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Vehicles
8.00%
5 Months
View
▼
APR8.00%
Term5 Months
Last UpdatedMar 17, 2026
Details

As Low As; 7.000%

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
New Vehicles
8.25%
6 Months
View
▼
APR8.25%
Term6 Months
Last UpdatedMar 17, 2026
Details

As Low As; 7.250%

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
1394 Clay St SE, Albany, OR, 97322 6884
Used auto (2011 - 2024)
5.94%
72 Months
View
▼
APR5.94%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
7101 Supra Dr SW, Albany, OR, 97321
Used Auto
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMar 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
2500 Santiam Hwy SE, Albany, OR, 97322 5265
Used auto (2016-2022)
6.14%
36-60
View
▼
APR6.14%
Term36-60
Last UpdatedMar 15, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
2500 Santiam Hwy SE, Albany, OR, 97322 5265
Used auto (2016-2022)
6.39%
72 Months
View
▼
APR6.39%
Term72 Months
Last UpdatedMar 15, 2026
Details

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
7101 Supra Dr SW, Albany, OR, 97321
Used Auto
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMar 18, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
2500 Santiam Hwy SE, Albany, OR, 97322 5265
Used auto (2020-2022)
6.84%
84 Months
View
▼
APR6.84%
Term84 Months
Last UpdatedMar 15, 2026
Details

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
1394 Clay St SE, Albany, OR, 97322 6884
Used auto (2011 - 2024)
6.93%
84 Months
View
▼
APR6.93%
Term84 Months
Last UpdatedMar 15, 2026
Details

As Low As

Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
1394 Clay St SE, Albany, OR, 97322 6884
Used auto (2011 - 2024)
7.68%
96 Months
View
▼
APR7.68%
Term96 Months
Last UpdatedMar 15, 2026
Details

As Low As

Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
7101 Supra Dr SW, Albany, OR, 97321
Used Auto
8.14%
96 Months
View
▼
APR8.14%
Term96 Months
Last UpdatedMar 18, 2026
Details

South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2438 Broadway Ave, North Bend, OR, 97459
New or Used Auto Loans
3.85%
72 Months
View
▼
APR3.85%
Term72 Months
Last UpdatedMar 17, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; New

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMar 20, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Auto Loan (vehicle year 2022 - 2026)
4.75%
3 Months
View
▼
APR4.75%
Term3 Months
Last UpdatedMar 17, 2026
Details

As Low As; APR*

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As; New

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details

Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
12550 SE 93rd Ave, Clackamas, OR, 97015
New/Used Autos Fixed
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 20, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Auto Loan (vehicle year 2022 - 2026)
5.00%
5 Months
View
▼
APR5.00%
Term5 Months
Last UpdatedMar 17, 2026
Details

As Low As; APR*

Benton County Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2101 NW Professional DR, Corvallis, OR, 97330
Used Vehicle (less than 6 model years old) - Variable Rate Loans
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMar 16, 2026
Details

Margin: 4.00%; Minimum APR: 4.50%

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMar 20, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
11620 NE Ainsworth Cir, Portland, OR, 97220
Used Vehicles
5.24%
36-84 months
View
▼
APR5.24%
Term36-84 months
Last UpdatedMar 17, 2026
Details

Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
12550 SE 93rd Ave, Clackamas, OR, 97015
New/Used Autos Fixed
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedMar 20, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Auto Loan (vehicle year 2022 - 2026)
5.25%
6 Months
View
▼
APR5.25%
Term6 Months
Last UpdatedMar 17, 2026
Details

As Low As; APR*

Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
10333 SE Main St, Portland, OR, 97216 2940
Used Vehicle
5.25%
24-84
View
▼
APR5.25%
Term24-84
Last UpdatedMar 17, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMar 20, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMar 20, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
5.34%
24 months
View
▼
APR5.34%
Term24 months
Last UpdatedMar 15, 2026
Details

As Low As

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
USED VEHICLE
5.49%
84 Months**
View
▼
APR5.49%
Term84 Months**
Last UpdatedMar 16, 2026
Details

Benton County Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2101 NW Professional DR, Corvallis, OR, 97330
Used Vehicle (greater than 6 model years old) - Variable Rate Loans
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedMar 16, 2026
Details

Margin: 4.50%; Minimum APR: 5.00%

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
4620 SE International Way Ste 105, Milwaukie, OR, 97222
Used Auto
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedMar 16, 2026
Details

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMar 20, 2026
Details

As Low As; Used

EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
4200 Roosevelt Blvd, Eugene, OR, 97402 6520
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMar 20, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
5.59%
60 months
View
▼
APR5.59%
Term60 months
Last UpdatedMar 15, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1004 Pacific Ave, Hood River, OR, 97031 1961
Used Auto
5.69%
Up to 60 months
View
▼
APR5.69%
TermUp to 60 months
Last UpdatedMar 15, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019)
5.69%
42 Months
View
▼
APR5.69%
Term42 Months
Last UpdatedMar 15, 2026
Details

As Low As; APR (Max): 17.44%

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1004 Pacific Ave, Hood River, OR, 97031 1961
Used Auto
5.79%
61 - 72 months
View
▼
APR5.79%
Term61 - 72 months
Last UpdatedMar 15, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
5.84%
72 months
View
▼
APR5.84%
Term72 months
Last UpdatedMar 15, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1004 Pacific Ave, Hood River, OR, 97031 1961
Used Auto
5.99%
73 - 84 months
View
▼
APR5.99%
Term73 - 84 months
Last UpdatedMar 15, 2026
Details

Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
850 Beltline Rd, Springfield, OR, 97477
Used Auto
6.00%
Up to 72 months
View
▼
APR6.00%
TermUp to 72 months
Last UpdatedMar 15, 2026
Details

Used Auto Loan Category: (2023 & Older) Purchase or Refinance Up to 105% of Kelley Wholesale Value

United Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
20210 SW Teton Ave, Tualatin, OR, 97062
Used Vehicle 1
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As; 2016-2023 or 2024+ with over 40,000 miles.

Benton County Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2101 NW Professional DR, Corvallis, OR, 97330
Used Vehicle (less than 6 model years old) - Fixed Rate Loans
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedMar 16, 2026
Details

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
6.09%
84 months
View
▼
APR6.09%
Term84 months
Last UpdatedMar 15, 2026
Details

As Low As

IBEW And United Workers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
9955 SE Washington St, Portland, OR, 97216
Used Auto 2015 & Older
6.14%
36 Months
View
▼
APR6.14%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Vehicles older than 10 years with terms up to 72 months

Benton County Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
2101 NW Professional DR, Corvallis, OR, 97330
Used Vehicle (greater than 6 model years old) - Fixed Rate Loans
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedMar 16, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019)
6.29%
66 Months
View
▼
APR6.29%
Term66 Months
Last UpdatedMar 15, 2026
Details

As Low As; APR (Max): 16.24%

Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
5257 NE M L King Blvd Ste 301, Portland, OR, 97211 3283
Used Vehicle Loan (2018 - 2022)
6.99%
1-60 months
View
▼
APR6.99%
Term1-60 months
Last UpdatedMar 15, 2026
Details

As Low As

Emerald Empire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
850 Beltline Rd, Springfield, OR, 97477
Used Auto
7.00%
Up to 72 months
View
▼
APR7.00%
TermUp to 72 months
Last UpdatedMar 15, 2026
Details

Used Auto Loan Category: (2023 & Older) Purchase or Refinance Up to 105% of Kelley Wholesale Value

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019)
7.19%
90 Months
View
▼
APR7.19%
Term90 Months
Last UpdatedMar 15, 2026
Details

As Low As; APR (Max): 8.89%

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles 2019-2025
7.25%
4 Months
View
▼
APR7.25%
Term4 Months
Last UpdatedMar 17, 2026
Details

As Low As

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles 2017-2018
7.50%
3 Months
View
▼
APR7.50%
Term3 Months
Last UpdatedMar 17, 2026
Details

As Low As

United Trades Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
20210 SW Teton Ave, Tualatin, OR, 97062
Used Vehicle 2
7.74%
60 Months
View
▼
APR7.74%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As; 2015 or older or any vehicle with over 100,000 miles.

IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
1825 12th St SE Ste 130, Salem, OR, 97302 2159
USED VEHICLE TEN YEARS OR OLDER
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedMar 16, 2026
Details

Amount Financed: 80% of Retail Book Value

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles
8.25%
3 Months
View
▼
APR8.25%
Term3 Months
Last UpdatedMar 17, 2026
Details

As Low As

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles
8.50%
4 Months
View
▼
APR8.50%
Term4 Months
Last UpdatedMar 17, 2026
Details

As Low As

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles
8.75%
5 Months
View
▼
APR8.75%
Term5 Months
Last UpdatedMar 17, 2026
Details

As Low As

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019)
8.89%
90 Months
View
▼
APR8.89%
Term90 Months
Last UpdatedMar 15, 2026
Details

APR (Max)

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles 2015-2016
9.50%
2 Months
View
▼
APR9.50%
Term2 Months
Last UpdatedMar 17, 2026
Details

As Low As

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles
10.50%
2 Months
View
▼
APR10.50%
Term2 Months
Last UpdatedMar 17, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles
10.75%
3 Months
View
▼
APR10.75%
Term3 Months
Last UpdatedMar 17, 2026
Details

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
12893 SE 97th Ave, Clackamas, OR, 97015
Used Vehicles
11.00%
4 Months
View
▼
APR11.00%
Term4 Months
Last UpdatedMar 17, 2026
Details

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019)
16.24%
66 Months
View
▼
APR16.24%
Term66 Months
Last UpdatedMar 15, 2026
Details

APR (Max)

Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
1540 SE Discovery Ln, Warrenton, OR, 97146 7359
Pre-Owned Vehicles (Model Years 2017-2019)
17.44%
42 Months
View
▼
APR17.44%
Term42 Months
Last UpdatedMar 15, 2026
Details

APR (Max)

Frequently Asked Questions about Auto Loans in Albany, Oregon

How does my credit score affect my car loan rate in Oregon?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Albany, Oregon 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 Oregon *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 Albany, Oregon 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 Albany, Oregon?

Based on our current data, some of the lowest auto loan rates available in Albany, Oregon include:
  • Central Willamette Credit Union: 5.24% (New Auto)
  • Oregon State Credit Union: 5.44% (New auto (2025 - 2027))
  • OnPoint Community Credit Union: 5.99% (New auto (2023 and newer))
  • South Coast ILWU Federal Credit Union: 3.85% (New or Used Auto Loans)
  • IBEW And United Workers Federal Credit Union: 3.99% (New Vehicle Loan 2024 & Newer)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Albany, Oregon. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026

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