Auto Loan Rates in Bend, Oregon (OR) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Bend, Oregon. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Bend, Oregon include Central Willamette Credit UnionCentral Willamette Credit Union61535 S Highway 97, Bend, OR, 97702 2154A5.0 ★Texas Ratio: 6.01% offering New Auto at 4.49%, 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: 24.46% offering New Vehicles at 4.24%, EWEB EMPLOYEESEWEB EMPLOYEESC+4.1 ★Texas Ratio: 25.28% offering New & Used Vehicles (Purchase or Refinance) at 4.25%, NW Priority Credit UnionNW Priority Credit UnionA+5.0 ★Texas Ratio: 0.73% offering Purchase New Auto or Refinance at 4.49%. Auto loan rates as of May 2, 2026 according to verified data from MonitorBankRates.
Bend has 1 local institution in our database, with auto loan rates as low as 4.49% APR from Central Willamette Credit Union at 61535 S Highway 97, Bend, OR, 97702 2154. 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 Bend, Oregon. Auto Loan Rates Last Updated and Verified: May 2, 2026
Compare Auto Loan Rates Today in Bend, 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%
61535 S Highway 97, Bend, OR, 97702 2154
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
61535 S Highway 97, Bend, OR, 97702 2154
New Auto
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
61535 S Highway 97, Bend, OR, 97702 2154
Used Auto
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
61535 S Highway 97, Bend, OR, 97702 2154
Used Auto
5.99%
Up to 60 months
▼
APR5.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Auto Loans
3.85%
up to 72 Months
▼
APR3.85%
Termup to 72 Months
Last UpdatedApr 25, 2026
Details
Apply Today! Stop by 2438 Broadway NB or call (541) 756-5746
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
New Vehicles
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedApr 26, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; New
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 2, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.49%
36 Month
▼
APR4.49%
Term36 Month
Last UpdatedMay 2, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMay 2, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2015 - 2024
▼
APR4.74%
Term2015 - 2024
Last UpdatedMay 2, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
4.74%
36 Month
▼
APR4.74%
Term36 Month
Last UpdatedMay 2, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; New
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedMay 2, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMay 2, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedApr 19, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Regular APR: 13.35%
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.99%
72 Month
▼
APR4.99%
Term72 Month
Last UpdatedMay 2, 2026
Details
As Low As
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
4.99%
60 Month
▼
APR4.99%
Term60 Month
Last UpdatedMay 2, 2026
Details
As Low As
APR4.99%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
APR5.00%
Term48 Months
Last UpdatedMay 2, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
5.01%
84 Months
▼
APR5.01%
Term84 Months
Last UpdatedMay 2, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2017-2021 Auto Loan
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMay 2, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedApr 19, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Regular APR: 13.60%
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedApr 26, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
5.24%
72 Month
▼
APR5.24%
Term72 Month
Last UpdatedMay 2, 2026
Details
As Low As
APR5.24%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Vehicles
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedApr 18, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Used Vehicle
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedApr 18, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR5.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2017-2021 Auto Loan
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMay 2, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2017-2021 Auto Loan
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedMay 2, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
New auto (2025 - 2027)
5.44%
Up to 72 months
▼
APR5.44%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
As Low As
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
5.49%
84 Month
▼
APR5.49%
Term84 Month
Last UpdatedMay 2, 2026
Details
As Low As
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Member Appreciation Auto Loan Special
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; *some restrictions apply
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2017-2021 Auto Loan
5.51%
84 Months
▼
APR5.51%
Term84 Months
Last UpdatedMay 2, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedApr 17, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2016 & Older Auto Loan
5.70%
36 Months
▼
APR5.70%
Term36 Months
Last UpdatedMay 2, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedApr 19, 2026
Details
As Low As
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
5.74%
84 Month
▼
APR5.74%
Term84 Month
Last UpdatedMay 2, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedApr 17, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2016 & Older Auto Loan
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedMay 2, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2016 & Older Auto Loan
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMay 2, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
5.94%
Up to 72 months
▼
APR5.94%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
As Low As
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Autos (New & Used)
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedApr 17, 2026
Details
As Low As; Regular APR: 5.99% - 18.00%
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
5.99%
96 Month
▼
APR5.99%
Term96 Month
Last UpdatedMay 2, 2026
Details
As Low As
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2016 & Older Auto Loan
6.01%
84 Months
▼
APR6.01%
Term84 Months
Last UpdatedMay 2, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2014 and Older
▼
APR6.24%
Term2014 and Older
Last UpdatedMay 2, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedApr 18, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
6.93%
73-84 months
▼
APR6.93%
Term73-84 months
Last UpdatedMay 2, 2026
Details
As Low As
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
7.24%
48 Months
▼
APR7.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
New auto (2025 - 2027)
7.43%
85-96 months
▼
APR7.43%
Term85-96 months
Last UpdatedMay 2, 2026
Details
As Low As
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
7.68%
85-96 months
▼
APR7.68%
Term85-96 months
Last UpdatedMay 2, 2026
Details
As Low As
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
8.24%
120 Months
▼
APR8.24%
Term120 Months
Last UpdatedApr 18, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
8.49%
144 Months
▼
APR8.49%
Term144 Months
Last UpdatedApr 18, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Auto Loan
8.74%
180 Months
▼
APR8.74%
Term180 Months
Last UpdatedApr 18, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
First Time Auto Buyer Loan
11.50%
60 Months
▼
APR11.50%
Term60 Months
Last UpdatedMay 2, 2026
Details
APR15.99%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
Used Auto
16.24%
Up to 84 Months
▼
APR16.24%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Powered by
MonitorBankRates
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%
61535 S Highway 97, Bend, OR, 97702 2154
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
61535 S Highway 97, Bend, OR, 97702 2154
New Auto
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Auto Loans
3.85%
up to 72 Months
▼
APR3.85%
Termup to 72 Months
Last UpdatedApr 25, 2026
Details
Apply Today! Stop by 2438 Broadway NB or call (541) 756-5746
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
New Vehicles
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedApr 26, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; New
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 2, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.49%
36 Month
▼
APR4.49%
Term36 Month
Last UpdatedMay 2, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMay 2, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; New
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedMay 2, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMay 2, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
4.99%
24 months
▼
APR4.99%
Term24 months
Last UpdatedApr 19, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Regular APR: 13.35%
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.99%
72 Month
▼
APR4.99%
Term72 Month
Last UpdatedMay 2, 2026
Details
As Low As
APR4.99%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2022 & Newer Auto Loan
5.01%
84 Months
▼
APR5.01%
Term84 Months
Last UpdatedMay 2, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedApr 19, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Regular APR: 13.60%
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Vehicles
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedApr 18, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR5.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
New auto (2025 - 2027)
5.44%
Up to 72 months
▼
APR5.44%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
As Low As
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
5.49%
84 Month
▼
APR5.49%
Term84 Month
Last UpdatedMay 2, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedApr 17, 2026
Details
Point West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicle Loan (2023 and newer)
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedApr 19, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Autos (New & Used)
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedApr 17, 2026
Details
As Low As; Regular APR: 5.99% - 18.00%
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
5.99%
96 Month
▼
APR5.99%
Term96 Month
Last UpdatedMay 2, 2026
Details
As Low As
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
New auto (2025 - 2027)
7.43%
85-96 months
▼
APR7.43%
Term85-96 months
Last UpdatedMay 2, 2026
Details
As Low As
APR15.99%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Powered by
MonitorBankRates
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%
61535 S Highway 97, Bend, OR, 97702 2154
Used Auto
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
61535 S Highway 97, Bend, OR, 97702 2154
Used Auto
5.99%
Up to 60 months
▼
APR5.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
South Coast ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Auto Loans
3.85%
up to 72 Months
▼
APR3.85%
Termup to 72 Months
Last UpdatedApr 25, 2026
Details
Apply Today! Stop by 2438 Broadway NB or call (541) 756-5746
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; New
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2015 - 2024
▼
APR4.74%
Term2015 - 2024
Last UpdatedMay 2, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; New
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Regular APR: 13.35%
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR5.00%
Term48 Months
Last UpdatedMay 2, 2026
Details
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
New/Used Autos Fixed
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Regular APR: 13.60%
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedApr 26, 2026
Details
APR5.24%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Used Vehicle
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedApr 18, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) New
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used
EWEB EMPLOYEES
Institution Rating:
C+4.1 ★ Texas Ratio: 25.28%
New & Used Vehicles (Purchase or Refinance) Used
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedApr 17, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
5.94%
Up to 72 months
▼
APR5.94%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
As Low As
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Autos (New & Used)
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedApr 17, 2026
Details
As Low As; Regular APR: 5.99% - 18.00%
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedApr 17, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2014 and Older
▼
APR6.24%
Term2014 and Older
Last UpdatedMay 2, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
6.93%
73-84 months
▼
APR6.93%
Term73-84 months
Last UpdatedMay 2, 2026
Details
As Low As
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Used auto (2011 - 2024)
7.68%
85-96 months
▼
APR7.68%
Term85-96 months
Last UpdatedMay 2, 2026
Details
As Low As
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
Used Auto
16.24%
Up to 84 Months
▼
APR16.24%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Powered by
MonitorBankRates
Bend, OR Auto Loan Rate Trends
Compare local Bend, 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.
New Auto Loan — OR Avg
5.569%
▼ 0.083 vs 7 days ago
Oregon new auto rates fell 0.083 points over the past 7 days to 5.569% APR.
Used Auto Loan — OR Avg
6.257%
▼ 0.217 vs 7 days ago
Oregon used auto rates fell 0.217 points over the past 7 days to 6.257% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Bend, 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 Bend, 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 Bend, 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 Bend, Oregon?
Based on our current data, some of the lowest auto loan rates available in Bend, Oregon include:
- Central Willamette Credit Union: 4.49% (New Auto)
- South Coast ILWU Federal Credit Union: 3.85% (New or Used Auto Loans)
- Ironworkers USA Federal Credit Union: 4.24% (New Vehicles)
- EWEB EMPLOYEES: 4.25% (New & Used Vehicles (Purchase or Refinance))
- NW Priority Credit Union: 4.49% (Purchase New Auto or Refinance)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Bend, Oregon. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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