Auto Loan Rates in Portland, Oregon (OR) for July 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 Portland, Oregon. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Portland, Oregon include Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit Union11620 NE Ainsworth Cir, Portland, OR, 97220C+4.2 ★Texas Ratio: 23.15% offering New Vehicles Loan at 4.24%, Flasher Community Credit UnionFlasher Community Credit Union1320 SW Broadway Ste 100, Portland, OR, 97201 3566A5.0 ★Texas Ratio: 5.93% offering Auto Loans at 4.49%, Teamsters Council #37 Federal Credit UnionTeamsters Council #37 Federal Credit Union1866 NE 162nd Ave, Portland, OR, 97230 5642A+5.0 ★Texas Ratio: 0.54% offering Auto Loan at 4.74%, Forrit Credit UnionForrit Credit Union18676 E Burnside St, Portland, OR, 97233 5319A5.0 ★Texas Ratio: 8.75% offering New/Used Autos at 4.99%, Columbia Community Credit UnionColumbia Community Credit Union950 SE 10th Ave, Portland, OR, 97214 2567A+5.0 ★Texas Ratio: 5.27% offering Auto Loans at 5.24%. Auto loan rates as of June 27, 2026 according to verified data from MonitorBankRates.
Portland has 9 local institutions in our database, with auto loan rates as low as 4.24% APR from Ironworkers USA Federal Credit Union at 11620 NE Ainsworth Cir, Portland, OR, 97220. 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 Portland, Oregon. Auto Loan Rates Last Updated and Verified: June 27, 2026
Compare Auto Loan Rates Today in Portland, Oregon & Surrounding Area
Portland Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
11620 NE Ainsworth Cir, Portland, OR, 97220
New Vehicles Loan
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedJun 16, 2026
Details
Flasher Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.93%
1320 SW Broadway Ste 100, Portland, OR, 97201 3566
Auto Loans
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
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.
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; 2024 & Newer
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; 2024 & Newer
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.75%
18676 E Burnside St, Portland, OR, 97233 5319
New/Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 26, 2026
Details
Columbia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
950 SE 10th Ave, Portland, OR, 97214 2567
Auto Loans
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedJun 11, 2026
Details
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.
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
11620 NE Ainsworth Cir, Portland, OR, 97220
Used Vehicles Loan
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedJun 16, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; 2018-2023
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.75%
18676 E Burnside St, Portland, OR, 97233 5319
New/Used Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedJun 26, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
10333 SE Main St, Portland, OR, 97216 2940
New Vehicles Loan
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedJun 16, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
10333 SE Main St, Portland, OR, 97216 2940
Used Vehicle Loan
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedJun 16, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
12005 NE Erin Way, Portland, OR, 97220
New Auto
5.34%
Up to 60 months
▼
APR5.34%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
12005 NE Erin Way, Portland, OR, 97220
New Auto
5.44%
61 - 72 months
▼
APR5.44%
Term61 - 72 months
Last UpdatedJun 23, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; 2018-2023
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
221 NW 2nd Ave Ste 100, Portland, OR, 97209 3959
Autos (New & Used)
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedJun 23, 2026
Details
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%
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
12005 NE Erin Way, Portland, OR, 97220
Used Auto
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
10333 SE Main St, Portland, OR, 97216 2940
Summer Auto Loan Special
5.50%
up to 72 months
▼
APR5.50%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; on new or used vehicles
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
12005 NE Erin Way, Portland, OR, 97220
Used Auto
5.59%
61 - 72 months
▼
APR5.59%
Term61 - 72 months
Last UpdatedJun 23, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
12005 NE Erin Way, Portland, OR, 97220
New Auto
5.64%
73 - 84 months
▼
APR5.64%
Term73 - 84 months
Last UpdatedJun 23, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
12005 NE Erin Way, Portland, OR, 97220
Used Auto
5.79%
73 - 84 months
▼
APR5.79%
Term73 - 84 months
Last UpdatedJun 23, 2026
Details
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; 2018-2023
Teamsters Council #37 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1866 NE 162nd Ave, Portland, OR, 97230 5642
Auto Loan
6.99%
36 months
▼
APR6.99%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; 2017 & Older
Oregonians Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
336 NE 20th Ave, Portland, OR, 97232 2805
First Time Auto Buyer
11.50%
Up to 60 months
▼
APR11.50%
TermUp to 60 months
Last UpdatedJun 27, 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 UpdatedJun 23, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
4.74%
60 Month Term
▼
APR4.74%
Term60 Month Term
Last UpdatedJun 27, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
4.89%
72 Month Term
▼
APR4.89%
Term72 Month Term
Last UpdatedJun 27, 2026
Details
As Low As
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New Autos (Model Years 2020-2026)
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details
APR* (Min)
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
New Auto
4.99%
61 to 72 months
▼
APR4.99%
Term61 to 72 months
Last UpdatedJun 16, 2026
Details
APR4.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 23, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
New Auto
5.24%
73 to 84 months
▼
APR5.24%
Term73 to 84 months
Last UpdatedJun 16, 2026
Details
APR5.24%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Auto Loans
5.24%
up to 84 months
▼
APR5.24%
Termup to 84 months
Last UpdatedJun 23, 2026
Details
As Low As; 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.
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
New auto (2025 - 2027)
5.44%
Up to 72 months
▼
APR5.44%
TermUp to 72 months
Last UpdatedJun 27, 2026
Details
APR (High): 17.04%
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
NEW VEHICLE Loan
5.49%
96 Months**
▼
APR5.49%
Term96 Months**
Last UpdatedJun 16, 2026
Details
Up to 100% Financing
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
USED VEHICLE Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJun 16, 2026
Details
Amount Financed: 90% of Retail Book Value
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
New Auto
5.49%
61 to 72 months
▼
APR5.49%
Term61 to 72 months
Last UpdatedJun 16, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
Used Auto
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
InRoads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.09%
New Auto (3 years & newer)
5.49%
3 years
▼
APR5.49%
Term3 years
Last UpdatedJun 23, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJun 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New Autos (Model Years 2020-2026)
5.50%
Up to 42 Months
▼
APR5.50%
TermUp to 42 Months
Last UpdatedJun 16, 2026
Details
APR* (Min)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
5.69%
Up to 42 Months
▼
APR5.69%
TermUp to 42 Months
Last UpdatedJun 16, 2026
Details
APR* (Min)
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
Used Auto
5.74%
Up to 72 months
▼
APR5.74%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
InRoads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.09%
Used Auto (4-10 years old)
5.75%
10 Years
▼
APR5.75%
Term10 Years
Last UpdatedJun 23, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Used auto (2011 - 2024)
5.94%
Up to 72 months
▼
APR5.94%
TermUp to 72 months
Last UpdatedJun 27, 2026
Details
APR (High): 17.53%
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
Used Auto
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJun 16, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJun 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
6.29%
Up to 66 months
▼
APR6.29%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details
APR* (Min)
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
6.34%
36 months
▼
APR6.34%
Term36 months
Last UpdatedJun 23, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
Used Auto
6.49%
73 to 84 months
▼
APR6.49%
Term73 to 84 months
Last UpdatedJun 16, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
6.49%
48 months
▼
APR6.49%
Term48 months
Last UpdatedJun 23, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans
6.49%
96 months
▼
APR6.49%
Term96 months
Last UpdatedJun 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New Autos (Model Years 2020-2026)
6.50%
Up to 90 months
▼
APR6.50%
TermUp to 90 months
Last UpdatedJun 16, 2026
Details
APR* (Min)
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
6.74%
60 months
▼
APR6.74%
Term60 months
Last UpdatedJun 23, 2026
Details
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
6.84%
36 months
▼
APR6.84%
Term36 months
Last UpdatedJun 23, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Used auto (2011 - 2024)
6.93%
73-84 months
▼
APR6.93%
Term73-84 months
Last UpdatedJun 27, 2026
Details
APR (High): 17.79%
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
6.99%
48 months
▼
APR6.99%
Term48 months
Last UpdatedJun 23, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle Loan
6.99%
60 Month Term
▼
APR6.99%
Term60 Month Term
Last UpdatedJun 27, 2026
Details
As Low As
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
7.14%
72 months
▼
APR7.14%
Term72 months
Last UpdatedJun 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
7.19%
Up to 90 months
▼
APR7.19%
TermUp to 90 months
Last UpdatedJun 16, 2026
Details
APR* (Min)
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
7.24%
60 months
▼
APR7.24%
Term60 months
Last UpdatedJun 23, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
New auto (2025 - 2027)
7.43%
85-96 months
▼
APR7.43%
Term85-96 months
Last UpdatedJun 27, 2026
Details
APR (High): 17.53%
First Federal S&L of McMinnville
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
7.64%
72 months
▼
APR7.64%
Term72 months
Last UpdatedJun 23, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Used auto (2011 - 2024)
7.68%
85-96 months
▼
APR7.68%
Term85-96 months
Last UpdatedJun 27, 2026
Details
APR (High): 12.53%
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
New Auto
7.89%
85 to 96 months
▼
APR7.89%
Term85 to 96 months
Last UpdatedJun 16, 2026
Details
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
USED VEHICLE TEN YEARS OR OLDER Loan
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
80% of Retail Book Value
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
Used Auto
8.14%
85 to 96 months
▼
APR8.14%
Term85 to 96 months
Last UpdatedJun 16, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New Autos (Model Years 2020-2026)
8.30%
Up to 90 months
▼
APR8.30%
TermUp to 90 months
Last UpdatedJun 16, 2026
Details
APR* (Max)
HAPO Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
All-Terrain, Off-Road Vehicle Loan
8.49%
2018 and Newer
▼
APR8.49%
Term2018 and Newer
Last UpdatedJun 11, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
8.89%
Up to 90 months
▼
APR8.89%
TermUp to 90 months
Last UpdatedJun 16, 2026
Details
APR* (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
10.00%
Up to 42 Months
▼
APR10.00%
TermUp to 42 Months
Last UpdatedJun 16, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
11.20%
Up to 66 months
▼
APR11.20%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details
InRoads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.09%
First Time Auto Buyer (10 years & newer)
11.50%
10 years & newer
▼
APR11.50%
Term10 years & newer
Last UpdatedJun 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
12.65%
Up to 42 Months
▼
APR12.65%
TermUp to 42 Months
Last UpdatedJun 16, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
13.75%
Up to 66 months
▼
APR13.75%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
16.24%
Up to 66 months
▼
APR16.24%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details
APR* (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New Autos (Model Years 2020-2026)
16.65%
Up to 42 Months
▼
APR16.65%
TermUp to 42 Months
Last UpdatedJun 16, 2026
Details
APR* (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
17.44%
Up to 42 Months
▼
APR17.44%
TermUp to 42 Months
Last UpdatedJun 16, 2026
Details
APR* (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New Autos (Model Years 2020-2026)
17.75%
Up to 66 months
▼
APR17.75%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details
APR* (Max)
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Portland New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
11620 NE Ainsworth Cir, Portland, OR, 97220
New Vehicles Loan
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedJun 16, 2026
Details
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.75%
18676 E Burnside St, Portland, OR, 97233 5319
New/Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 26, 2026
Details
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.75%
18676 E Burnside St, Portland, OR, 97233 5319
New/Used Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedJun 26, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
10333 SE Main St, Portland, OR, 97216 2940
New Vehicles Loan
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedJun 16, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
12005 NE Erin Way, Portland, OR, 97220
New Auto
5.34%
Up to 60 months
▼
APR5.34%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
12005 NE Erin Way, Portland, OR, 97220
New Auto
5.44%
61 - 72 months
▼
APR5.44%
Term61 - 72 months
Last UpdatedJun 23, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
221 NW 2nd Ave Ste 100, Portland, OR, 97209 3959
Autos (New & Used)
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedJun 23, 2026
Details
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%
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
12005 NE Erin Way, Portland, OR, 97220
New Auto
5.64%
73 - 84 months
▼
APR5.64%
Term73 - 84 months
Last UpdatedJun 23, 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 UpdatedJun 23, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New Autos (Model Years 2020-2026)
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details
APR* (Min)
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
New Auto
4.99%
61 to 72 months
▼
APR4.99%
Term61 to 72 months
Last UpdatedJun 16, 2026
Details
APR4.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 23, 2026
Details
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
New Auto
5.24%
73 to 84 months
▼
APR5.24%
Term73 to 84 months
Last UpdatedJun 16, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
New auto (2025 - 2027)
5.44%
Up to 72 months
▼
APR5.44%
TermUp to 72 months
Last UpdatedJun 27, 2026
Details
APR (High): 17.04%
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
NEW VEHICLE Loan
5.49%
96 Months**
▼
APR5.49%
Term96 Months**
Last UpdatedJun 16, 2026
Details
Up to 100% Financing
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
New Auto
5.49%
61 to 72 months
▼
APR5.49%
Term61 to 72 months
Last UpdatedJun 16, 2026
Details
InRoads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.09%
New Auto (3 years & newer)
5.49%
3 years
▼
APR5.49%
Term3 years
Last UpdatedJun 23, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJun 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New Autos (Model Years 2020-2026)
5.50%
Up to 42 Months
▼
APR5.50%
TermUp to 42 Months
Last UpdatedJun 16, 2026
Details
APR* (Min)
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJun 23, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans
6.49%
96 months
▼
APR6.49%
Term96 months
Last UpdatedJun 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New Autos (Model Years 2020-2026)
6.50%
Up to 90 months
▼
APR6.50%
TermUp to 90 months
Last UpdatedJun 16, 2026
Details
APR* (Min)
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
New auto (2025 - 2027)
7.43%
85-96 months
▼
APR7.43%
Term85-96 months
Last UpdatedJun 27, 2026
Details
APR (High): 17.53%
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
New Auto
7.89%
85 to 96 months
▼
APR7.89%
Term85 to 96 months
Last UpdatedJun 16, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New Autos (Model Years 2020-2026)
8.30%
Up to 90 months
▼
APR8.30%
TermUp to 90 months
Last UpdatedJun 16, 2026
Details
APR* (Max)
InRoads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.09%
First Time Auto Buyer (10 years & newer)
11.50%
10 years & newer
▼
APR11.50%
Term10 years & newer
Last UpdatedJun 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New Autos (Model Years 2020-2026)
16.65%
Up to 42 Months
▼
APR16.65%
TermUp to 42 Months
Last UpdatedJun 16, 2026
Details
APR* (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New Autos (Model Years 2020-2026)
17.75%
Up to 66 months
▼
APR17.75%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details
APR* (Max)
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Portland Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.75%
18676 E Burnside St, Portland, OR, 97233 5319
New/Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 26, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
11620 NE Ainsworth Cir, Portland, OR, 97220
Used Vehicles Loan
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedJun 16, 2026
Details
Forrit Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.75%
18676 E Burnside St, Portland, OR, 97233 5319
New/Used Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedJun 26, 2026
Details
Northwest Adventist Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
10333 SE Main St, Portland, OR, 97216 2940
Used Vehicle Loan
5.25%
24-84
▼
APR5.25%
Term24-84
Last UpdatedJun 16, 2026
Details
Trailhead Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
221 NW 2nd Ave Ste 100, Portland, OR, 97209 3959
Autos (New & Used)
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedJun 23, 2026
Details
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%
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
12005 NE Erin Way, Portland, OR, 97220
Used Auto
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedJun 23, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
12005 NE Erin Way, Portland, OR, 97220
Used Auto
5.59%
61 - 72 months
▼
APR5.59%
Term61 - 72 months
Last UpdatedJun 23, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
12005 NE Erin Way, Portland, OR, 97220
Used Auto
5.79%
73 - 84 months
▼
APR5.79%
Term73 - 84 months
Last UpdatedJun 23, 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 UpdatedJun 23, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 23, 2026
Details
APR5.24%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
USED VEHICLE Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJun 16, 2026
Details
Amount Financed: 90% of Retail Book Value
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
Used Auto
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJun 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
5.69%
Up to 42 Months
▼
APR5.69%
TermUp to 42 Months
Last UpdatedJun 16, 2026
Details
APR* (Min)
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
Used Auto
5.74%
Up to 72 months
▼
APR5.74%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
InRoads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.09%
Used Auto (4-10 years old)
5.75%
10 Years
▼
APR5.75%
Term10 Years
Last UpdatedJun 23, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Used auto (2011 - 2024)
5.94%
Up to 72 months
▼
APR5.94%
TermUp to 72 months
Last UpdatedJun 27, 2026
Details
APR (High): 17.53%
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
Used Auto
5.99%
73 to 84 months
▼
APR5.99%
Term73 to 84 months
Last UpdatedJun 16, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJun 23, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
6.29%
Up to 66 months
▼
APR6.29%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details
APR* (Min)
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
Used Auto
6.49%
73 to 84 months
▼
APR6.49%
Term73 to 84 months
Last UpdatedJun 16, 2026
Details
Cascade Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans
6.49%
96 months
▼
APR6.49%
Term96 months
Last UpdatedJun 23, 2026
Details
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Used auto (2011 - 2024)
6.93%
73-84 months
▼
APR6.93%
Term73-84 months
Last UpdatedJun 27, 2026
Details
APR (High): 17.79%
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle Loan
6.99%
60 Month Term
▼
APR6.99%
Term60 Month Term
Last UpdatedJun 27, 2026
Details
As Low As
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
7.19%
Up to 90 months
▼
APR7.19%
TermUp to 90 months
Last UpdatedJun 16, 2026
Details
APR* (Min)
Oregon State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Used auto (2011 - 2024)
7.68%
85-96 months
▼
APR7.68%
Term85-96 months
Last UpdatedJun 27, 2026
Details
APR (High): 12.53%
IBEW SJ Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
USED VEHICLE TEN YEARS OR OLDER Loan
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
80% of Retail Book Value
Central Willamette Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.68%
Used Auto
8.14%
85 to 96 months
▼
APR8.14%
Term85 to 96 months
Last UpdatedJun 16, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
8.89%
Up to 90 months
▼
APR8.89%
TermUp to 90 months
Last UpdatedJun 16, 2026
Details
APR* (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
10.00%
Up to 42 Months
▼
APR10.00%
TermUp to 42 Months
Last UpdatedJun 16, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
11.20%
Up to 66 months
▼
APR11.20%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
12.65%
Up to 42 Months
▼
APR12.65%
TermUp to 42 Months
Last UpdatedJun 16, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
13.75%
Up to 66 months
▼
APR13.75%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
16.24%
Up to 66 months
▼
APR16.24%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details
APR* (Max)
Wauna Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Pre-Owned Vehicles (Model Years 2017-2019) Loan
17.44%
Up to 42 Months
▼
APR17.44%
TermUp to 42 Months
Last UpdatedJun 16, 2026
Details
APR* (Max)
Powered by
MonitorBankRates
Portland, OR Auto Loan Rate Trends
Compare local Portland, 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
6.878%
▼ 0.087 vs 7 days ago
Oregon new auto rates fell 0.087 points over the past 7 days to 6.878% APR.
Used Auto Loan — OR Avg
8.262%
▼ 0.416 vs 7 days ago
Oregon used auto rates fell 0.416 points over the past 7 days to 8.262% APR.
As of Jul 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Portland, 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 Portland, 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 Portland, 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 Portland, 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 Portland, 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 Portland, 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 Portland, Oregon?
Based on our current data, some of the lowest auto loan rates available in Portland, Oregon include:
- Ironworkers USA Federal Credit Union: 4.24% (New Vehicles Loan)
- Flasher Community Credit Union: 4.49% (Auto Loans)
- Teamsters Council #37 Federal Credit Union: 4.74% (Auto Loan)
- Forrit Credit Union: 4.99% (New/Used Autos)
- Columbia Community Credit Union: 5.24% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Portland, Oregon. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 27, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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