Auto Loan Rates in Bates, Oregon (OR) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Bates, Oregon include South Coast ILWU Federal Credit UnionSouth Coast ILWU Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New or Used Auto Loans at 3.85%, Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit UnionC+4.2 ★Texas Ratio: 23.15% offering New Vehicles Loan at 4.24%, Central Willamette Credit UnionCentral Willamette Credit UnionA5.0 ★Texas Ratio: 5.68% offering New Auto at 4.49%, NW Priority Credit UnionNW Priority Credit UnionA+5.0 ★Texas Ratio: 0.71% offering Purchase New Auto or Refinance at 4.49%, Flasher Community Credit UnionFlasher Community Credit UnionA5.0 ★Texas Ratio: 5.93% offering Auto Loans at 4.49%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Bates borrowers have access to 22 lenders serving the Oregon area, with auto loan rates as low as 3.85% APR from South Coast ILWU Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Bates, Oregon. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Bates, Oregon & Surrounding Area
Bates Auto Loan Rates
As Low As; Rate accurate as of June 1, 2026, and subject to change without notice. Annual Percentage Rate of 4.49% is available up to 36 months at $29.74 per $1,000 borrowed per month for qualified borrowers. Rate reflects a 0.25% discount for loan being set up on autopay and a 0.25% discount for setting up an active Capital Credit Union checking account. Rates vary based on loan term and credit history / qualifications. All loans subject to credit approval. Fees may apply. Cannot be combined with other discounts or offers. Subject to change at any time and without notice.
As Low As; 2024 & Newer
Estimated minimum monthly payment: $281.29 based on a 60 month, $15,000 loan at 4.74% APR*
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As; 2024 & Newer
APR* (Min)
Estimated minimum monthly payment: $241.50 based on a 72 month, $15,000 loan at 4.99% APR*
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As
As Low As
As Low As
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
Get a great rate to finance your dream ride. Payment example: If you borrow $20,000 for 60 months at 5.24% APR, your monthly payment would be $379.63. Refinancing: up to 1.00% APR off your current lender's APR down to 4.74% APR. Checking Relationship Plan discount of 0.25% APR for automatic loan payments from Columbia CU checking.
As Low As; Rate Equality: every qualified member gets the same low rate. Maximum term dependent on purchase price and mileage. Auto loans up to $10,000: maximum term 60 months. Auto loans $20,000 or more: maximum term 84 months. Gas vehicles exceeding 120,000 miles: maximum term 72 months. Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles. Purchase: Front end LTV >100%, add .25%; >110%, add .50%; >120%, add .75%. Maximum LTV 130%. Refinance: Back end LTV >100%, add .25%. Maximum LTV 130%. Add 1% for Drive4Less loans.
As Low As; 2018-2023
Estimated minimum monthly payment: $213.70 based on a 84 month, $15,000 loan at 5.24% APR*
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As*
As Low As*
As Low As*
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+. Loan to Value: Below 80%: -0.5% | 81%-100%: Base rate | 101% & Above: +0.5%. No Automatic Payment: +0.25% | Mileage above 125,000 miles: +1%. Green Auto: -0.25%. Value is based on sales price of KBB/MSRP for new, whichever is less. Floor Rate is 2.49%
As Low As; 2018-2023
Up to 100% Financing
Amount Financed: 90% of Retail Book Value
As Low As
As Low As; on new or used vehicles
APR* (Min)
As Low As*
APR* (Min)
As Low As
As Low As*
As Low As*
As Low As; 2018-2023
APR* (Min)
APR* (Min)
As Low As; 2017 & Older
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As*
APR* (Min)
80% of Retail Book Value
APR* (Max)
APR* (Max)
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
APR* (Max)
APR* (Max)
APR* (Max)
APR* (Max)
Bates New Auto Auto Loan Rates
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
APR* (Min)
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As
As Low As
As Low As
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+. Loan to Value: Below 80%: -0.5% | 81%-100%: Base rate | 101% & Above: +0.5%. No Automatic Payment: +0.25% | Mileage above 125,000 miles: +1%. Green Auto: -0.25%. Value is based on sales price of KBB/MSRP for new, whichever is less. Floor Rate is 2.49%
Up to 100% Financing
As Low As
APR* (Min)
As Low As
APR* (Min)
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
APR* (Max)
APR* (Max)
APR* (Max)
Bates Used Auto Auto Loan Rates
Estimated minimum monthly payment: $281.29 based on a 60 month, $15,000 loan at 4.74% APR*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
Estimated minimum monthly payment: $241.50 based on a 72 month, $15,000 loan at 4.99% APR*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
Estimated minimum monthly payment: $213.70 based on a 84 month, $15,000 loan at 5.24% APR*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As*
As Low As*
As Low As*
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+. Loan to Value: Below 80%: -0.5% | 81%-100%: Base rate | 101% & Above: +0.5%. No Automatic Payment: +0.25% | Mileage above 125,000 miles: +1%. Green Auto: -0.25%. Value is based on sales price of KBB/MSRP for new, whichever is less. Floor Rate is 2.49%
Amount Financed: 90% of Retail Book Value
As Low As*
APR* (Min)
As Low As*
As Low As*
APR* (Min)
As Low As*
APR* (Min)
80% of Retail Book Value
APR* (Max)
APR* (Max)
APR* (Max)
Bates, OR Auto Loan Rate Trends
Compare local Bates, OR 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.
Oregon new auto rates fell 1.603 points over the past 7 days to 5.986% APR.
Oregon used auto rates fell 2.075 points over the past 7 days to 6.020% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bates, Oregon 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 Bates, Oregon 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 Bates, Oregon. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in OR.
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 Bates, Oregon
How does my credit score affect my car loan rate in Oregon?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
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What are the best Auto Loan rates in Bates, Oregon?
- South Coast ILWU Federal Credit Union: 3.85% (New or Used Auto Loans)
- Ironworkers USA Federal Credit Union: 4.24% (New Vehicles Loan)
- Central Willamette Credit Union: 4.49% (New Auto)
- NW Priority Credit Union: 4.49% (Purchase New Auto or Refinance)
- Flasher Community Credit Union: 4.49% (Auto Loans)
