Falls City, Oregon Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Falls City, Oregon auto loan rates from lenders serving Oregon range from 3.85% to 7.43% APR, verified by MonitorBankRates as of October 14, 2026. Current auto loan rates in Falls City, Oregon include South Coast ILWU Federal Credit UnionSouth Coast ILWU Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New Auto Loan at 3.85%, Sage Credit UnionSage Credit UnionA+5.0 ★Texas Ratio: 5.70% offering Auto Loans at 3.99%, IBEW And United Workers Federal Credit UnionIBEW And United Workers Federal Credit UnionA5.0 ★Texas Ratio: 6.40% offering New Auto 2024 and Newer at 3.99%, CUTTING EDGECUTTING EDGEA+5.0 ★Texas Ratio: 0.91% offering New Auto at 3.99%, Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit UnionB4.6 ★Texas Ratio: 20.11% offering New Auto Loans at 4.24%. Auto loan rates as of October 14, 2026 according to verified data from MonitorBankRates.
Falls City borrowers have access to 33 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, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Falls City, Oregon. Auto Loan Rates Last Updated and Verified: October 14, 2026
Compare Auto Loan Rates Today in Falls City, Oregon & Surrounding Area
Falls City Auto Loan Rates
Advertised: 3.85% APR for up to 72 Months
As Low As; Rates Effective: May 1, 2026; You may qualify for 90 days with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during the no payment period. Call 888.810.1148 for more details.; APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; Rates Effective: May 1, 2026; You may qualify for 90 days with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during the no payment period. Call 888.810.1148 for more details.; APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; Rates Effective: May 1, 2026; You may qualify for 90 days with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during the no payment period. Call 888.810.1148 for more details.; APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; Rates Effective: May 1, 2026; You may qualify for 90 days with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during the no payment period. Call 888.810.1148 for more details.; APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As
Published APR range: 3.99 to 15.99%.
- Sep 22, 20263.99%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Published APR range: 3.99 to 16.24%.
- Sep 22, 20263.99%▼ from 5.24%
- Sep 14, 20265.24%first recorded
Featured rate card; no term stated in source content
Published APR range: 4.24 - 18%. Rates are based on credit history, credit qualifications, and loan term
Published APR range: 4.25% - 14.25%. APR WITH Auto Payment; APR WITHOUT Automatic Payment: 5.25% - 14.50%; 2024 & Newer Purchase or Refinance. Up to 100% of MSRP (New-Never Titled), Up to 110% of Kelly Lending Value (Used - Titled)
As Low As
Auto Loans - Effective October 1, 2026; New auto as defined below. Rate based on credit qualification.
Auto loan; Margin 3.50%; Minimum APR 4.00%; Effective October 1, 2026; Vehicle is NEW if next year's, this year's, or last year's model with < 20,000 miles
As Low As; Model Year: 2024 & Newer; Rates effective August 25, 2026
As Low As; Model Year: 2024 & Newer; Rates effective August 25, 2026
As Low As; Rates include a maximum discount of 1.25%; Rates effective as of October 13, 2026
- Oct 14, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Rates include a maximum discount of 1.25%; Rates effective as of October 13, 2026
- Oct 14, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Rates include a maximum discount of 1.25%; Rates effective as of October 13, 2026
- Oct 14, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
APR range: 4.94% - 16.54%
Published APR range: 4.99% - 18.00%. 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+; Rate Adjustments: 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%; Floor Rate is 2.49%
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
As Low As; Model Year: 2024 & Newer; Rates effective August 25, 2026
As Low As; Model Year: 2024 & Newer; Rates effective August 25, 2026
Published APR range: 4.99% - 9.44%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed
Published APR range: 4.99% - 9.44%.
APR range: 4.99% - 13.35%; Rates based on credit, term and vehicle age; Offer valid on purchases and vehicles refinanced from other institutions; Existing Forrit CU auto loans do not qualify
As Low As; Rates as Low as*; includes maximum 1.25% rate discount
- Oct 10, 20264.99%▲ from 4.74%
- Sep 22, 20264.74%first recorded
As Low As; Rates as Low as*; includes maximum 1.25% rate discount
- Oct 10, 20264.99%▲ from 4.74%
- Sep 22, 20264.74%first recorded
As Low As; Rate/APR* as low as
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 3; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 4; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
Margin: 4.50%; Minimum APR: 4.00%; Auto loan; Effective October 1, 2026
APR (Max): 16.65%
Min. Loan Amount: $500; APR range: 5.04% - 15.69%; Auto loan rates based on credit history and credit qualifications
Model year: 2016-2019; APR range: 5.14% - 9.84% (fixed); Estimated minimum
APR range 5.14% - 9.84% (fixed); Estimated minimum
Published APR range: 5.14% - 9.84%.
As Low As; Used Vehicles: rates increase for vehicles over 100,000 miles or more than 6 years old. Terms available up to 96 months. Effective 09/23/2026
APR range: 5.19% - 16.79%
Payment Example (per $1000): $26.11 - $32.26; APR Max: 18.00%; Loan Rate Type: Auto Loan
- Oct 13, 20265.23%▼ from 10.00%
- Oct 9, 202610.00%▼ from 18.00%
- Sep 14, 202618.00%first recorded
Financing: 100% MSRP or High KBB
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
Featured rate card; no term stated in source content
Published APR range: 5.24 - 18%. Rates are based on credit history, credit qualifications, and loan term
As Low As; Model Year: 2018-2023; Rates effective August 25, 2026
As Low As; Model Year: 2018-2023; Rates effective August 25, 2026
APR (Max): 17.24%
Published APR range: 5.24% - 14.99%. Effective Date: January 20, 2026
Published APR range: 5.24% - 9.89%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed
Published APR range: 5.24% - 9.89%.
Min. Loan Amount: $5,000; APR range: 5.24% - 15.79%; Auto loan rates based on credit history and credit qualifications
APR range: 5.24% - 13.60%; Rates based on credit, term and vehicle age; Offer valid on purchases and vehicles refinanced from other institutions; Existing Forrit CU auto loans do not qualify
As Low As; Rate applies to purchase of vehicles seven model years old and newer; STCU rates assume primary borrower gets 0.25% discount for STCU credit card in good standing
As Low As; Rates include a maximum discount of 1.25%; Rates effective as of October 13, 2026
- Oct 14, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Rates as Low as*; includes maximum 1.25% rate discount
- Oct 10, 20265.24%▲ from 4.99%
- Sep 22, 20264.99%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 5; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▼ from 5.75%
- Oct 8, 20265.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
Published APR range: 5.25% - 17.95%.
Published APR range: 5.25% - 17.95%.
As Low As; Rate/APR* as low as
Published APR range: 5.34% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Min. Loan Amount: $6,000; APR range: 5.34% - 15.89%; Auto loan rates based on credit history and credit qualifications
As Low As; APR (Fixed); For lowest rate, payments must be made via automatic payment; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As; APR (Fixed); For lowest rate, payments must be made via automatic payment; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As; APR (Fixed); For lowest rate, payments must be made via automatic payment; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Rates current as of September 30, 2026
- Oct 1, 20265.36%▲ from 5.08%
- Sep 14, 20265.08%first recorded
Model year: 2016-2019; APR range: 5.39% - 10.19% (fixed); Estimated minimum
APR range 5.39% - 10.19% (fixed); Estimated minimum
Published APR range: 5.39% - 10.19%. 72-month term for model years 2016-2019 requires a minimum $12,000 loan amount
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Rates current as of September 30, 2026
- Oct 1, 20265.41%▲ from 5.13%
- Sep 14, 20265.13%first recorded
Published APR range: 5.44% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Published APR range: 5.44% - 20.44%.
Min. Loan Amount: $10,000; APR range: 5.44% - 15.99%; Auto loan rates based on credit history and credit qualifications
As Low As; New auto loans; APR (High): 17.04%
As Low As; New auto loans; APR (High): 17.78%
APR range: 5.44% - 17.03%
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Rates current as of September 30, 2026
- Oct 1, 20265.45%▲ from 5.17%
- Sep 14, 20265.17%first recorded
As Low As; Used Vehicles: rates increase for vehicles over 100,000 miles or more than 6 years old. Terms available up to 96 months. Effective 09/23/2026
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Rates current as of September 30, 2026
- Oct 1, 20265.48%▲ from 5.20%
- Sep 14, 20265.20%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Financing: 100% High KBB
As Low As; Rates Effective: May 1, 2026; You may qualify for 90 days with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during the no payment period. Call 888.810.1148 for more details.; APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Financing: 100% MSRP or High KBB
Published APR range: 5.49% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
As Low As; Model Year: 2018-2023; Rates effective August 25, 2026
As Low As; Model Year: 2018-2023; Rates effective August 25, 2026
As Low As; Model Year: 2024 & Newer; Rates effective August 25, 2026
Published APR range: 5.49%- 14.69%. Amount Financed: Up to 100% Financing; Term (up to) 96 Months; 96-month term requires a minimum loan amount of $50,000
Published APR range: 5.49%- 14.94%. Amount Financed: 90% of Retail Book Value; Term (up to): 84 Months; 84 month term requires a minimum loan amount of $10,000
Published APR range: 5.49% - 20.84%.
Published APR range: 5.49% - 14.99%. Effective Date: January 20, 2026
Published APR range: 5.49% - 17.49%. Effective Date: January 20, 2026
Published APR range: 5.49% - 10.14%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed
Published APR range: 5.49% - 10.14%. New and Used Auto 84-month term requires a minimum $15,000 loan amount
Effective October 1, 2026; APR is the lowest rate offered; your rate may vary depending on your credit history
As Low As; Rates as Low as*; includes maximum 1.25% rate discount
- Oct 10, 20265.49%▲ from 5.24%
- Sep 22, 20265.24%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 6; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▼ from 6.00%
- Oct 8, 20266.00%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
As Low As; Vehicle that is 2024 or newer and with 40,000 or less miles.
As Low As; 2016-2023 or 2024+ with over 40,000 miles.
Auto Loans - Effective October 1, 2026; Margin: 4.50%; Minimum APR: 5.00%
As Low As; Rate/APR* as low as
As Low As; Used autos older than eight model years are limited to 80% Loan to Value or collateral loan rate plus 2.00%
Published APR range: 5.59% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
As Low As; APR (Fixed); For lowest rate, payments must be made via automatic payment; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
Published APR range: 5.64% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Min. Loan Amount: $15,000; APR range: 5.69% - 16.09%; Auto loan rates based on credit history and credit qualifications
- Sep 26, 20265.69%▲ from 5.49%
- Sep 18, 20265.49%first recorded
APR range: 5.69% - 17.28%
Financing: 100% High KBB
Financing: 100% MSRP or High KBB
APR (Max): 17.50%
- Oct 9, 20265.74%▼ from 17.50%
- Sep 21, 202617.50%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Rates include a maximum discount of 1.25%; Rates effective as of October 13, 2026
- Oct 14, 20265.74%▲ from 5.49%
- Sep 18, 20265.49%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 7; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▼ from 6.25%
- Oct 8, 20266.25%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
Published APR range: 5.75% - 14.50%. APR WITH Auto Payment; APR WITHOUT Automatic Payment: 6.75% - 14.75%; Used Auto Loan Category: (2023 & Older) Purchase or Refinance, Up to 110% of Kelley Wholesale Value
As Low As; Rate/APR* as low as
As Low As; Used autos older than eight model years are limited to 80% Loan to Value or collateral loan rate plus 2.00%
Published APR range: 5.79% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
Published APR range: 5.79% - 20.74%.
Payment Example (per $1000): $17.75 - $23.01; APR Max: 16.24%; Loan Rate Type: Auto Loan
- Oct 13, 20265.83%▼ from 11.20%
- Oct 9, 202611.20%▲ from 5.83%
- Sep 17, 20265.83%▼ from 16.24%
- Sep 14, 202616.24%first recorded
APR range 5.84% - 11.49% (fixed); Estimated minimum
Published APR range: 5.84% - 11.49%. New and Used Auto 84-month term requires a minimum $15,000 loan amount; 84-month term offered on model years 2020-2022 only
As Low As; APR (Fixed); For lowest rate, payments must be made via automatic payment; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Rates current as of September 30, 2026
- Oct 1, 20265.86%▲ from 5.58%
- Sep 14, 20265.58%first recorded
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Rates current as of September 30, 2026
- Oct 1, 20265.91%▲ from 5.63%
- Sep 14, 20265.63%first recorded
As Low As; Used auto loans; APR (High): 17.53%
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Rates current as of September 30, 2026
- Oct 1, 20265.95%▲ from 5.67%
- Sep 14, 20265.67%first recorded
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Rates current as of September 30, 2026
- Oct 1, 20265.98%▲ from 5.70%
- Sep 14, 20265.70%first recorded
Financing: 100% High KBB
Financing: 100% MSRP or High KBB
Published APR range: 5.99% - 21.94%.
Published APR range: 5.99% - 15.24%. Effective Date: January 20, 2026
Published APR range: 5.99% - 16.72%. Effective Date: January 20, 2026
Auto Loans; Effective October 1, 2026; Vehicle greater than 6 model years old
As Low As; Rates as Low as*; includes maximum 1.25% rate discount
- Oct 10, 20265.99%▲ from 5.74%
- Sep 22, 20265.74%first recorded
As Low As; Rate/APR* as low as
As Low As; Used autos older than eight model years are limited to 80% Loan to Value or collateral loan rate plus 2.00%
Vehicle year 2025 - 2026; Maximum Term in Years: 3
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Vehicle year 2025 - 2026; Maximum Term in Years: 4
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
APR (Max): 7.84%
As Low As; APR (Fixed); For lowest rate, payments must be made via automatic payment; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As
Published APR range: 6.19% - 21.14%.
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Financing: 100% High KBB
As Low As; Model Year: 2018-2023; Rates effective August 25, 2026
APR (Minimum) 6.24%; APR (Maximum) 16.49%
As Low As; Available for loans over $40,000 on model years 2022 or newer; Rates include a maximum discount of 1.25%; Rates effective as of October 13, 2026
- Oct 14, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
Vehicle year 2025 - 2026; Maximum Term in Years: 5
- Oct 12, 20266.25%▲ from 5.75%
- Oct 8, 20265.75%first recorded
APR* (standard)
- Oct 12, 20266.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
APR* (standard)
- Oct 12, 20266.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Used autos older than eight model years are limited to 80% Loan to Value or collateral loan rate plus 2.00%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Older (2016 & Older): max term 60 months; Rates current as of September 30, 2026
- Oct 1, 20266.36%▲ from 6.08%
- Sep 14, 20266.08%first recorded
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Older (2016 & Older): max term 60 months; Rates current as of September 30, 2026
- Oct 1, 20266.41%▲ from 6.13%
- Sep 14, 20266.13%first recorded
APR range: 6.43% - 17.29%
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Older (2016 & Older): max term 60 months; Rates current as of September 30, 2026
- Oct 1, 20266.45%▲ from 6.17%
- Sep 14, 20266.17%first recorded
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Older (2016 & Older): max term 60 months; Rates current as of September 30, 2026
- Oct 1, 20266.48%▲ from 6.20%
- Sep 14, 20266.20%first recorded
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
Published APR range: 6.49% - 17.74%. Effective Date: January 20, 2026
APR (Minimum) 6.49%; APR (Maximum) 16.74%
APR (Minimum) 6.49%; APR (Maximum) 9.74%
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
Vehicle year 2025 - 2026; Maximum Term in Years: 6
- Oct 12, 20266.50%▲ from 6.00%
- Oct 8, 20266.00%first recorded
APR* (standard)
- Oct 12, 20266.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
Recreational Vehicles, Boats, Travel Trailers, 5th Wheels, Motorcycles, etc. - Purchase or refinance; *Used rate
As Low As; Used autos older than eight model years are limited to 80% Loan to Value or collateral loan rate plus 2.00%
Published APR range: 6.54% - 22.24%.
APR range: 6.68% - 17.54%
Payment Example (per $1000): $14.18 - $15.21; APR Max: 8.78%; Loan Rate Type: Auto Loan
- Sep 17, 20266.73%▼ from 8.78%
- Sep 14, 20268.78%first recorded
APR (Minimum) 6.74%; APR (Maximum) 9.99%
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
Vehicle year 2025 - 2026; Maximum Term in Years: 7
- Oct 12, 20266.75%▲ from 6.25%
- Oct 8, 20266.25%first recorded
APR* (standard)
- Oct 12, 20266.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
Recreational Vehicles, Boats, Travel Trailers, 5th Wheels, Motorcycles, etc. - Purchase or refinance; *Used rate
APR range: 6.93% - 17.03%
As Low As; Used auto loans; APR (High): 17.79%
As Low As; Model Year: 2017 & Older; Rates effective August 25, 2026
As Low As; Model Year: 2017 & Older; Rates effective August 25, 2026
As Low As; Model Year: 2017 & Older; Rates effective August 25, 2026
APR (Max): 17.50%
- Oct 9, 20266.99%▼ from 17.50%
- Sep 21, 202617.50%▲ from 6.99%
- Sep 14, 20266.99%first recorded
As Low As; APR (Fixed); Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
APR range: 7.18% - 17.28%
APR range: 7.18% - 12.03%
Published APR range: 7.24% - 12.74%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed
Published APR range: 7.24% - 12.74%. New Auto 96-month term requires a minimum $25,000 loan amount and a maximum of $15,000 negative equity
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
Recreational Vehicles, Boats, Travel Trailers, 5th Wheels, Motorcycles, etc. - Purchase or refinance; *Used rate
As Low As; New auto loans; APR (High): 17.53%
APR range: 7.43% - 12.28%
Falls City New Auto Auto Loan Rates
Advertised: 3.85% APR for up to 72 Months
As Low As
Published APR range: 3.99 to 15.99%.
- Sep 22, 20263.99%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Featured rate card; no term stated in source content
Published APR range: 4.24 - 18%. Rates are based on credit history, credit qualifications, and loan term
Published APR range: 4.25% - 14.25%. APR WITH Auto Payment; APR WITHOUT Automatic Payment: 5.25% - 14.50%; 2024 & Newer Purchase or Refinance. Up to 100% of MSRP (New-Never Titled), Up to 110% of Kelly Lending Value (Used - Titled)
Auto Loans - Effective October 1, 2026; New auto as defined below. Rate based on credit qualification.
Auto loan; Margin 3.50%; Minimum APR 4.00%; Effective October 1, 2026; Vehicle is NEW if next year's, this year's, or last year's model with < 20,000 miles
As Low As; Model Year: 2024 & Newer; Rates effective August 25, 2026
As Low As; Model Year: 2024 & Newer; Rates effective August 25, 2026
As Low As; Rates include a maximum discount of 1.25%; Rates effective as of October 13, 2026
- Oct 14, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Rates include a maximum discount of 1.25%; Rates effective as of October 13, 2026
- Oct 14, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Rates include a maximum discount of 1.25%; Rates effective as of October 13, 2026
- Oct 14, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
APR range: 4.94% - 16.54%
Published APR range: 4.99% - 18.00%. 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+; Rate Adjustments: 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%; Floor Rate is 2.49%
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
As Low As; Model Year: 2024 & Newer; Rates effective August 25, 2026
As Low As; Model Year: 2024 & Newer; Rates effective August 25, 2026
Published APR range: 4.99% - 9.44%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed
Published APR range: 4.99% - 9.44%.
APR range: 4.99% - 13.35%; Rates based on credit, term and vehicle age; Offer valid on purchases and vehicles refinanced from other institutions; Existing Forrit CU auto loans do not qualify
As Low As; Rate/APR* as low as
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 3; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 4; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
APR (Max): 16.65%
Min. Loan Amount: $500; APR range: 5.04% - 15.69%; Auto loan rates based on credit history and credit qualifications
APR range: 5.19% - 16.79%
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
APR (Max): 17.24%
Published APR range: 5.24% - 14.99%. Effective Date: January 20, 2026
Published APR range: 5.24% - 9.89%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed
Published APR range: 5.24% - 9.89%.
Min. Loan Amount: $5,000; APR range: 5.24% - 15.79%; Auto loan rates based on credit history and credit qualifications
APR range: 5.24% - 13.60%; Rates based on credit, term and vehicle age; Offer valid on purchases and vehicles refinanced from other institutions; Existing Forrit CU auto loans do not qualify
As Low As; Rates include a maximum discount of 1.25%; Rates effective as of October 13, 2026
- Oct 14, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 5; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▼ from 5.75%
- Oct 8, 20265.75%first recorded
Published APR range: 5.25% - 17.95%.
As Low As; Rate/APR* as low as
Published APR range: 5.34% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Min. Loan Amount: $6,000; APR range: 5.34% - 15.89%; Auto loan rates based on credit history and credit qualifications
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Rates current as of September 30, 2026
- Oct 1, 20265.36%▲ from 5.08%
- Sep 14, 20265.08%first recorded
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Rates current as of September 30, 2026
- Oct 1, 20265.41%▲ from 5.13%
- Sep 14, 20265.13%first recorded
Published APR range: 5.44% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Published APR range: 5.44% - 20.44%.
Min. Loan Amount: $10,000; APR range: 5.44% - 15.99%; Auto loan rates based on credit history and credit qualifications
As Low As; New auto loans; APR (High): 17.04%
As Low As; New auto loans; APR (High): 17.78%
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Rates current as of September 30, 2026
- Oct 1, 20265.45%▲ from 5.17%
- Sep 14, 20265.17%first recorded
Credit Tier: A+ (725+); Max LTV: 120%; Rates are APR; Rates current as of September 30, 2026
- Oct 1, 20265.48%▲ from 5.20%
- Sep 14, 20265.20%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
As Low As; Model Year: 2024 & Newer; Rates effective August 25, 2026
Published APR range: 5.49%- 14.69%. Amount Financed: Up to 100% Financing; Term (up to) 96 Months; 96-month term requires a minimum loan amount of $50,000
Published APR range: 5.49% - 20.84%.
Published APR range: 5.49% - 14.99%. Effective Date: January 20, 2026
Published APR range: 5.49% - 17.49%. Effective Date: January 20, 2026
Published APR range: 5.49% - 10.14%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed
Published APR range: 5.49% - 10.14%. New and Used Auto 84-month term requires a minimum $15,000 loan amount
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 6; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▼ from 6.00%
- Oct 8, 20266.00%first recorded
As Low As; Vehicle that is 2024 or newer and with 40,000 or less miles.
As Low As; Rate/APR* as low as
Published APR range: 5.64% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Min. Loan Amount: $15,000; APR range: 5.69% - 16.09%; Auto loan rates based on credit history and credit qualifications
- Sep 26, 20265.69%▲ from 5.49%
- Sep 18, 20265.49%first recorded
As Low As; Rates include a maximum discount of 1.25%; Rates effective as of October 13, 2026
- Oct 14, 20265.74%▲ from 5.49%
- Sep 18, 20265.49%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 7; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▼ from 6.25%
- Oct 8, 20266.25%first recorded
As Low As; Rate/APR* as low as
Published APR range: 5.99% - 21.94%.
As Low As; Rate/APR* as low as
Vehicle year 2025 - 2026; Maximum Term in Years: 3
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Vehicle year 2025 - 2026; Maximum Term in Years: 4
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
APR (Max): 7.84%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
APR (Minimum) 6.24%; APR (Maximum) 16.49%
As Low As; Available for loans over $40,000 on model years 2022 or newer; Rates include a maximum discount of 1.25%; Rates effective as of October 13, 2026
- Oct 14, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
Vehicle year 2025 - 2026; Maximum Term in Years: 5
- Oct 12, 20266.25%▲ from 5.75%
- Oct 8, 20265.75%first recorded
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
APR (Minimum) 6.49%; APR (Maximum) 9.74%
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
Vehicle year 2025 - 2026; Maximum Term in Years: 6
- Oct 12, 20266.50%▲ from 6.00%
- Oct 8, 20266.00%first recorded
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
Vehicle year 2025 - 2026; Maximum Term in Years: 7
- Oct 12, 20266.75%▲ from 6.25%
- Oct 8, 20266.25%first recorded
APR range: 6.93% - 17.03%
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
APR range: 7.18% - 17.28%
Published APR range: 7.24% - 12.74%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed
Published APR range: 7.24% - 12.74%. New Auto 96-month term requires a minimum $25,000 loan amount and a maximum of $15,000 negative equity
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
As Low As; New auto loans; APR (High): 17.53%
Falls City Used Auto Auto Loan Rates
Published APR range: 3.99 to 16.24%.
- Sep 22, 20263.99%▼ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As
Published APR range: 4.99% - 18.00%. 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+; Rate Adjustments: 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%; Floor Rate is 2.49%
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
APR range: 4.99% - 13.35%; Rates based on credit, term and vehicle age; Offer valid on purchases and vehicles refinanced from other institutions; Existing Forrit CU auto loans do not qualify
Margin: 4.50%; Minimum APR: 4.00%; Auto loan; Effective October 1, 2026
Model year: 2016-2019; APR range: 5.14% - 9.84% (fixed); Estimated minimum
APR range 5.14% - 9.84% (fixed); Estimated minimum
Published APR range: 5.14% - 9.84%.
Payment Example (per $1000): $26.11 - $32.26; APR Max: 18.00%; Loan Rate Type: Auto Loan
- Oct 13, 20265.23%▼ from 10.00%
- Oct 9, 202610.00%▼ from 18.00%
- Sep 14, 202618.00%first recorded
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
Featured rate card; no term stated in source content
Published APR range: 5.24 - 18%. Rates are based on credit history, credit qualifications, and loan term
APR range: 5.24% - 13.60%; Rates based on credit, term and vehicle age; Offer valid on purchases and vehicles refinanced from other institutions; Existing Forrit CU auto loans do not qualify
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
Published APR range: 5.25% - 17.95%.
As Low As; APR (Fixed); For lowest rate, payments must be made via automatic payment; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As; APR (Fixed); For lowest rate, payments must be made via automatic payment; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As; APR (Fixed); For lowest rate, payments must be made via automatic payment; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
Model year: 2016-2019; APR range: 5.39% - 10.19% (fixed); Estimated minimum
APR range 5.39% - 10.19% (fixed); Estimated minimum
Published APR range: 5.39% - 10.19%. 72-month term for model years 2016-2019 requires a minimum $12,000 loan amount
APR range: 5.44% - 17.03%
Published APR range: 5.49% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
Published APR range: 5.49%- 14.94%. Amount Financed: 90% of Retail Book Value; Term (up to): 84 Months; 84 month term requires a minimum loan amount of $10,000
Effective October 1, 2026; APR is the lowest rate offered; your rate may vary depending on your credit history
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
As Low As; 2016-2023 or 2024+ with over 40,000 miles.
Auto Loans - Effective October 1, 2026; Margin: 4.50%; Minimum APR: 5.00%
As Low As; Used autos older than eight model years are limited to 80% Loan to Value or collateral loan rate plus 2.00%
Published APR range: 5.59% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
As Low As; APR (Fixed); For lowest rate, payments must be made via automatic payment; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
APR range: 5.69% - 17.28%
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
Published APR range: 5.75% - 14.50%. APR WITH Auto Payment; APR WITHOUT Automatic Payment: 6.75% - 14.75%; Used Auto Loan Category: (2023 & Older) Purchase or Refinance, Up to 110% of Kelley Wholesale Value
As Low As; Used autos older than eight model years are limited to 80% Loan to Value or collateral loan rate plus 2.00%
Published APR range: 5.79% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
Payment Example (per $1000): $17.75 - $23.01; APR Max: 16.24%; Loan Rate Type: Auto Loan
- Oct 13, 20265.83%▼ from 11.20%
- Oct 9, 202611.20%▲ from 5.83%
- Sep 17, 20265.83%▼ from 16.24%
- Sep 14, 202616.24%first recorded
APR range 5.84% - 11.49% (fixed); Estimated minimum
Published APR range: 5.84% - 11.49%. New and Used Auto 84-month term requires a minimum $15,000 loan amount; 84-month term offered on model years 2020-2022 only
As Low As; APR (Fixed); For lowest rate, payments must be made via automatic payment; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As; Used auto loans; APR (High): 17.53%
Published APR range: 5.99% - 15.24%. Effective Date: January 20, 2026
Published APR range: 5.99% - 16.72%. Effective Date: January 20, 2026
Auto Loans; Effective October 1, 2026; Vehicle greater than 6 model years old
As Low As; Used autos older than eight model years are limited to 80% Loan to Value or collateral loan rate plus 2.00%
As Low As; APR (Fixed); For lowest rate, payments must be made via automatic payment; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As
APR* (standard)
- Oct 12, 20266.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
APR* (standard)
- Oct 12, 20266.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Used autos older than eight model years are limited to 80% Loan to Value or collateral loan rate plus 2.00%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
APR range: 6.43% - 17.29%
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
Published APR range: 6.49% - 17.74%. Effective Date: January 20, 2026
APR* (standard)
- Oct 12, 20266.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
As Low As; Used autos older than eight model years are limited to 80% Loan to Value or collateral loan rate plus 2.00%
APR range: 6.68% - 17.54%
Payment Example (per $1000): $14.18 - $15.21; APR Max: 8.78%; Loan Rate Type: Auto Loan
- Sep 17, 20266.73%▼ from 8.78%
- Sep 14, 20268.78%first recorded
APR* (standard)
- Oct 12, 20266.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
As Low As; Used auto loans; APR (High): 17.79%
As Low As; APR (Fixed); Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
APR range: 7.18% - 12.03%
APR range: 7.43% - 12.28%
Falls City, OR Auto Loan Rate Trends
Compare local Falls City, 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 rose 0.009 points over the past 7 days to 5.215% APR.
Oregon used auto rates rose 0.008 points over the past 7 days to 5.806% APR.
Falls City, OR Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Oregon figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Oregon APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.21% APR OR average | Used Auto @ 5.81% APR OR average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.54/mo | $288.64/mo | $4.10/mo |
| $25,000 | $474.24/mo | $481.07/mo | $6.83/mo |
| $35,000 | $663.94/mo | $673.50/mo | $9.56/mo |
| $45,000 | $853.63/mo | $865.93/mo | $12.29/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Falls City, Oregon
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Falls City, Oregon locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Oregon. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Falls City, Oregon high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Falls City, Oregon CD rates lock in a guaranteed return until you’re ready to buy
Oregon Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $569 monthly car payment works out to roughly 14.9% of the median individual income in Oregon. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Falls City, Oregon, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Falls City, Oregon. We’ve prefilled the APR with today’s OR new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Falls City, 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 Falls City, 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 Falls City, 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.
Bad Credit Auto Loans in Falls City, Oregon
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Falls City, 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?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Falls City, Oregon?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Falls City, Oregon?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Falls City, Oregon?
- South Coast ILWU Federal Credit Union: 3.85% (New Auto Loan)
- Sage Credit Union: 3.99% (Auto Loans)
- IBEW And United Workers Federal Credit Union: 3.99% (New Auto 2024 and Newer)
- CUTTING EDGE: 3.99% (New Auto)
- Ironworkers USA Federal Credit Union: 4.24% (New Auto Loans)
Falls City, Oregon Rates & Resources
