Prescott, Oregon Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Prescott, Oregon auto loan rates from lenders serving Oregon range from 3.85% to 7.24% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Prescott, 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%, NW Priority Credit UnionNW Priority Credit UnionA+5.0 ★Texas Ratio: 1.33% offering Purchase New Auto or Refinance at 3.99%, CUTTING EDGECUTTING EDGEA+5.0 ★Texas Ratio: 0.91% offering New Auto at 3.99%, 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%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Prescott borrowers have access to 35 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 Prescott, Oregon. Auto Loan Rates Last Updated and Verified: October 12, 2026
Compare Auto Loan Rates Today in Prescott, Oregon & Surrounding Area
Prescott Auto Loan Rates
Advertised: 3.85% APR for up to 72 Months
Published APR range: 3.99% - 17.24%.
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
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: 4.24 - 18%.
Published APR range: 4.24% - 17.49%.
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)
New auto as defined below. Rate based on credit qualification.
As Low As
Margin: 3.50%; Minimum APR: 4.00%
2024 & Newer
2024 & Newer
As Low As
- Oct 10, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As
- Oct 10, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As
- Oct 10, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
2024 & Newer
2024 & Newer
Published APR range: 4.99% - 9.44%. Annual percentage rate (fixed)*
Published APR range: 4.99% - 9.44%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
Published APR range: 4.99% - 16.99%. Default Rate: 19.9%. New = never titled or under 5,000 miles.
Published APR range: 4.99% - 13.35%.
As Low As; Payment Example: $10,000 loan at 5.24% for 60 months - $189.81/month
As Low As; Payment Example: $10,000 loan at 5.24% for 60 months - $189.81/month
As Low As
- Oct 10, 20264.99%▲ from 4.74%
- Sep 22, 20264.74%first recorded
As Low As
- Oct 10, 20264.99%▲ from 4.74%
- Sep 22, 20264.74%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
Margin: 4.50%; Minimum APR: 4.00%
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
Additional APR listed for this product: 16.65%.
Published APR range: 5.04% - 15.69%. Min. Loan Amount: $500
Published APR range: 5.14% - 9.84%.
Published APR range: 5.14% - 9.84%.
Published APR range: 5.14% - 9.84%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
As Low As
- Sep 27, 20265.15%▲ from 4.85%
- Sep 14, 20264.85%first recorded
APR* (Min)
Published APR range: 5.24 - 18%.
2018-2023
2018-2023
Additional APR listed for this product: 17.24%.
Published APR range: 5.24% - 14.99%.
Published APR range: 5.24% - 9.89%. Annual percentage rate (fixed)*
Published APR range: 5.24% - 9.89%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
Published APR range: 5.24% - 15.79%. Min. Loan Amount: $5,000
Published APR range: 5.24% - 13.60%.
As Low As
- Oct 10, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
- Oct 10, 20265.24%▲ from 4.99%
- Sep 22, 20264.99%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
Published APR range: 5.25% - 17.95%.
Published APR range: 5.25% - 17.95%.
As Low As; *
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: 5.34% - 15.89%. Min. Loan Amount: $6,000
As Low As*
As Low As*
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
Max LTV: 120%
- Oct 10, 20265.36%▲ from 5.08%
- Sep 18, 20265.08%first recorded
Published APR range: 5.39% - 10.19%.
Published APR range: 5.39% - 10.19%.
Published APR range: 5.39% - 10.19%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
Max LTV: 120%
- Oct 10, 20265.41%▲ from 5.13%
- Sep 18, 20265.13%first recorded
Published APR range: 5.44% - 20.44%.
Published APR range: 5.44% - 15.99%. Min. Loan Amount: $10,000
Additional APR listed for this product: 17.04%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Additional APR listed for this product: 17.78%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 5.44% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Max LTV: 120%
- Oct 10, 20265.45%▲ from 5.17%
- Sep 18, 20265.17%first recorded
As Low As
- Sep 27, 20265.45%▲ from 5.10%
- Sep 14, 20265.10%first recorded
Max LTV: 120%
- Oct 10, 20265.48%▲ from 5.20%
- Sep 18, 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
2018-2023
2018-2023
2024 & Newer
- Sep 17, 20265.49%▼ from 6.24%
- Sep 14, 20266.24%first recorded
Published APR range: 5.49%- 14.69%. Amount Financed: Up to 100% Financing
Published APR range: 5.49%- 14.94%. Amount Financed: 90% of Retail Book Value
Published APR range: 5.49% - 20.84%.
Published APR range: 5.49% - 14.99%.
Published APR range: 5.49% - 17.49%.
Published APR range: 5.49% - 10.14%. Annual percentage rate (fixed)*
Published APR range: 5.49% - 10.14%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
As Low As
- Oct 10, 20265.49%▲ from 5.24%
- Sep 22, 20265.24%first recorded
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% High KBB
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
Margin: 4.50%; Minimum APR: 5.00%
As Low As; *
As low as*
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.
Published APR range: 5.59% - 17.99%. Default Rate: 19.9%
As Low As*
Published APR range: 5.59% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
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
Published APR range: 5.69% - 16.09%. Min. Loan Amount: $15,000
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
- Oct 10, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Financing: 100% High KBB
Financing: 100% MSRP or High KBB
As Low As; *
As low as*
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
Published APR range: 5.79% - 20.74%.
Published APR range: 5.79% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
APR* (Min)
Published APR range: 5.84% - 11.49%.
Published APR range: 5.84% - 11.49%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
As Low As*
Max LTV: 120%
- Oct 10, 20265.86%▲ from 5.58%
- Sep 18, 20265.58%first recorded
Max LTV: 120%
- Oct 10, 20265.91%▲ from 5.63%
- Sep 18, 20265.63%first recorded
Additional APR listed for this product: 17.53%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Max LTV: 120%
- Oct 10, 20265.95%▲ from 5.67%
- Sep 18, 20265.67%first recorded
Max LTV: 120%
- Oct 10, 20265.98%▲ from 5.70%
- Sep 18, 20265.70%first recorded
Published APR range: 5.99% - 21.94%.
Published APR range: 5.99% - 15.24%.
Published APR range: 5.99% - 16.72%.
Published APR range: 5.99% - 17.99%.
As Low As
- Oct 10, 20265.99%▲ from 5.74%
- Sep 22, 20265.74%first recorded
As Low As; *
As low as*
Financing: 100% High KBB
Financing: 100% MSRP or High KBB
Published APR range: 6.00% - 16.32%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!
Published APR range: 6.00% - 16.32%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!
Published APR range: 6.00% - 16.42%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!
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
Additional APR listed for this product: 7.84%.
Published APR range: 6.05% - 16.47%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!
As Low As*
Published APR range: 6.10% - 16.69%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!
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
2018-2023
Published APR range: 6.24% - 16.49%.
As Low As
- Oct 10, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Financing: 100% High KBB
Published APR range: 6.25% - 16.49%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of October 8, 2026.
Published APR range: 6.25% - 16.49%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of October 8, 2026.
Published APR range: 6.25% - 16.59%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of October 8, 2026.
As low as*
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
- 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
Max LTV: 120%
- Oct 10, 20266.36%▲ from 6.08%
- Sep 18, 20266.08%first recorded
Max LTV: 120%
- Oct 10, 20266.41%▲ from 6.13%
- Sep 18, 20266.13%first recorded
Max LTV: 120%
- Oct 10, 20266.45%▲ from 6.17%
- Sep 18, 20266.17%first recorded
Max LTV: 120%
- Oct 10, 20266.48%▲ from 6.20%
- Sep 18, 20266.20%first recorded
Published APR range: 6.49% - 16.99%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!
Published APR range: 6.49% - 17.74%.
Published APR range: 6.49% - 16.74%.
Published APR range: 6.49% - 9.74%.
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
As low as*
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
Published APR range: 6.54% - 22.24%.
Published APR range: 6.55% - 16.74%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of October 8, 2026.
Published APR range: 6.65% - 16.99%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of October 8, 2026.
APR* (Min)
Published APR range: 6.74% - 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
Additional APR listed for this product: 17.79%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
2017 & Older
2017 & Older
2017 & Older
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*; 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%
Published APR range: 7.24% - 12.74%. Annual percentage rate (fixed)*
Published APR range: 7.24% - 12.74%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
Prescott New Auto Auto Loan Rates
Advertised: 3.85% APR for up to 72 Months
Published APR range: 3.99% - 17.24%.
Published APR range: 3.99 to 15.99%.
- Sep 22, 20263.99%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
Published APR range: 4.24 - 18%.
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)
New auto as defined below. Rate based on credit qualification.
Margin: 3.50%; Minimum APR: 4.00%
As Low As
- Oct 10, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As
- Oct 10, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As
- Oct 10, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Published APR range: 4.99% - 9.44%. Annual percentage rate (fixed)*
Published APR range: 4.99% - 9.44%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
Published APR range: 4.99% - 16.99%. Default Rate: 19.9%. New = never titled or under 5,000 miles.
Published APR range: 4.99% - 13.35%.
As Low As; Payment Example: $10,000 loan at 5.24% for 60 months - $189.81/month
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
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
Additional APR listed for this product: 16.65%.
Published APR range: 5.04% - 15.69%. Min. Loan Amount: $500
Additional APR listed for this product: 17.24%.
Published APR range: 5.24% - 14.99%.
Published APR range: 5.24% - 9.89%. Annual percentage rate (fixed)*
Published APR range: 5.24% - 9.89%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
Published APR range: 5.24% - 15.79%. Min. Loan Amount: $5,000
Published APR range: 5.24% - 13.60%.
As Low As
- Oct 10, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%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: 5.25% - 17.95%.
As Low As; *
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: 5.34% - 15.89%. Min. Loan Amount: $6,000
Published APR range: 5.34% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Max LTV: 120%
- Oct 10, 20265.36%▲ from 5.08%
- Sep 18, 20265.08%first recorded
Max LTV: 120%
- Oct 10, 20265.41%▲ from 5.13%
- Sep 18, 20265.13%first recorded
Published APR range: 5.44% - 20.44%.
Published APR range: 5.44% - 15.99%. Min. Loan Amount: $10,000
Additional APR listed for this product: 17.04%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Additional APR listed for this product: 17.78%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 5.44% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Max LTV: 120%
- Oct 10, 20265.45%▲ from 5.17%
- Sep 18, 20265.17%first recorded
Max LTV: 120%
- Oct 10, 20265.48%▲ from 5.20%
- Sep 18, 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
Published APR range: 5.49%- 14.69%. Amount Financed: Up to 100% Financing
Published APR range: 5.49% - 20.84%.
Published APR range: 5.49% - 14.99%.
Published APR range: 5.49% - 17.49%.
Published APR range: 5.49% - 10.14%. Annual percentage rate (fixed)*
Published APR range: 5.49% - 10.14%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
As Low As; *
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.
Published APR range: 5.64% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Published APR range: 5.69% - 16.09%. Min. Loan Amount: $15,000
As Low As
- Oct 10, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; *
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
Published APR range: 5.99% - 21.94%.
As Low As; *
Published APR range: 6.00% - 16.32%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!
Published APR range: 6.00% - 16.32%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!
Published APR range: 6.00% - 16.42%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!
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
Additional APR listed for this product: 7.84%.
Published APR range: 6.05% - 16.47%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!
Published APR range: 6.10% - 16.69%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!
- 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
Published APR range: 6.24% - 16.49%.
As Low As
- Oct 10, 20266.24%▲ from 5.99%
- Sep 14, 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
Published APR range: 6.49% - 16.99%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!
Published APR range: 6.49% - 9.74%.
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
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
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
Published APR range: 7.24% - 12.74%. Annual percentage rate (fixed)*
Published APR range: 7.24% - 12.74%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
Prescott 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
Published APR range: 4.24% - 17.49%.
As Low As
Published APR range: 4.99% - 13.35%.
As Low As; Payment Example: $10,000 loan at 5.24% for 60 months - $189.81/month
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
Margin: 4.50%; Minimum APR: 4.00%
Published APR range: 5.14% - 9.84%.
Published APR range: 5.14% - 9.84%.
Published APR range: 5.14% - 9.84%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
APR* (Min)
Published APR range: 5.24 - 18%.
Published APR range: 5.24% - 13.60%.
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
Published APR range: 5.25% - 17.95%.
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
As Low As*
As Low As*
As Low As*
Published APR range: 5.39% - 10.19%.
Published APR range: 5.39% - 10.19%.
Published APR range: 5.39% - 10.19%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
Published APR range: 5.49%- 14.94%. Amount Financed: 90% of Retail Book Value
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
Margin: 4.50%; Minimum APR: 5.00%
As low as*
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.
Published APR range: 5.59% - 17.99%. Default Rate: 19.9%
As Low As*
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; 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
As low as*
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
Published APR range: 5.79% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
APR* (Min)
Published APR range: 5.84% - 11.49%.
Published APR range: 5.84% - 11.49%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
As Low As*
Additional APR listed for this product: 17.53%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
Published APR range: 5.99% - 15.24%.
Published APR range: 5.99% - 16.72%.
Published APR range: 5.99% - 17.99%.
As low as*
As Low As*
As Low As
Published APR range: 6.25% - 16.49%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of October 8, 2026.
Published APR range: 6.25% - 16.49%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of October 8, 2026.
Published APR range: 6.25% - 16.59%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of October 8, 2026.
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
- 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
Published APR range: 6.49% - 17.74%.
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher; based on 'A' tier credit borrower
As low as*
APR* (standard)
- Oct 12, 20266.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
Published APR range: 6.55% - 16.74%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of October 8, 2026.
Published APR range: 6.65% - 16.99%. Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of October 8, 2026.
APR* (Min)
APR* (standard)
- Oct 12, 20266.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
Additional APR listed for this product: 17.79%. APR (Low)* indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month, and a 0.25% APR reduction (excluding indirect loans originated at a dealership) by qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.
As Low As*; Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.
Prescott, OR Auto Loan Rate Trends
Compare local Prescott, 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 0.010 points over the past 7 days to 5.215% APR.
Oregon used auto rates rose 0.018 points over the past 7 days to 5.815% APR.
Prescott, 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 @ 5.22% APR OR average | Used Auto @ 5.82% APR OR average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.55/mo | $288.71/mo | $4.16/mo |
| $25,000 | $474.25/mo | $481.18/mo | $6.93/mo |
| $35,000 | $663.95/mo | $673.65/mo | $9.70/mo |
| $45,000 | $853.65/mo | $866.12/mo | $12.47/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 Prescott, Oregon
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Prescott, 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 Prescott, 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: Prescott, 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 Prescott, 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 Prescott, 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 Prescott, 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 Prescott, 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 Prescott, 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 Prescott, 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 Prescott, 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 Prescott, 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 Prescott, Oregon?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Prescott, Oregon?
- South Coast ILWU Federal Credit Union: 3.85% (New Auto Loan)
- NW Priority Credit Union: 3.99% (Purchase New Auto or Refinance)
- CUTTING EDGE: 3.99% (New Auto)
- Sage Credit Union: 3.99% (Auto Loans)
- IBEW And United Workers Federal Credit Union: 3.99% (New Auto 2024 and Newer)
Prescott, Oregon Rates & Resources
