Sweet Home, Oregon Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Sweet Home, Oregon auto loan rates from lenders serving Oregon range from 3.85% to 6.49% APR, verified by MonitorBankRates as of October 26, 2026. Current auto loan rates in Sweet Home, Oregon include South Coast ILWU Federal Credit UnionSouth Coast ILWU Federal Credit UnionA+5.0 ★Texas Ratio: 0.00%Rate verified Oct 23, 2026 offering New Auto Loan at 3.85%, Sage Credit UnionSage Credit UnionA+5.0 ★Texas Ratio: 5.70%Rate verified Oct 23, 2026 offering Auto Loan at 3.99%, IBEW And United Workers Federal Credit UnionIBEW And United Workers Federal Credit UnionA5.0 ★Texas Ratio: 6.40%Rate verified Oct 23, 2026 offering New Auto 2024 and Newer at 3.99%, CUTTING EDGECUTTING EDGEA+5.0 ★Texas Ratio: 0.91%Rate verified Oct 26, 2026 offering New Auto at 3.99%, Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit UnionB4.6 ★Texas Ratio: 20.11%Rate verified Oct 23, 2026 offering New Vehicle Loans at 4.24%. Auto loan rates as of October 26, 2026 according to verified data from MonitorBankRates.
Sweet Home 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 Sweet Home, Oregon. Auto Loan Rates Last Updated and Verified: October 26, 2026
Compare Auto Loan Rates Today in Sweet Home, Oregon & Surrounding Area
Sweet Home Auto Loan Rates
Great Rates on New Auto Loans; Apply at 2438 Broadway NB or call (541) 756-5746
As Low As; Rates Effective: May 1, 2026; APR includes 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR; 90 days with no payments available
As Low As; Rates Effective: May 1, 2026; APR includes 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR; 90 days with no payments available
As Low As; Rates Effective: May 1, 2026; APR includes 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR; 90 days with no payments available
As Low As; Rates Effective: May 1, 2026; APR includes 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR; 90 days with no payments available
As Low As; Loan Rates - Effective Friday, July 31, 2026
Published APR range: 3.99 to 15.99%. Rates are determined by credit and collateral qualifications, and loan term.
- Sep 22, 20263.99%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Published APR range: 3.99 to 16.24%. Rates are determined by credit and collateral qualifications, and loan term.
- Sep 22, 20263.99%▼ from 5.24%
- Sep 14, 20265.24%first recorded
APR range 4.24% - 18%; Rates based on credit history, credit qualifications, and loan term; Rates effective Aug. 1, 2026
APR range: 4.24 - 18%; Rates based on credit history, qualifications, and term
Published APR range: 4.25% - 14.25%. 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; Loan Rates - Effective Friday, July 31, 2026
Auto Loans - Effective October 1, 2026; New auto as defined below. Rate based on credit qualification.
Auto Loans - Effective October 1, 2026; Variable rate; Margin: 3.50%; Minimum APR: 4.00%; Vehicle considered 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; APR (High): 16.54%; New EV auto loans; discounts available for EV financing and auto-pay
As Low As; APR (High): 17.28%; New EV auto loans; discounts available for EV financing and auto-pay
Rate range: 4.99% - 18.00%; Loan amounts per term: Up to 60 months $5,000-$9,999.99; 61-72 months $10,000-$14,999.99; 73-84 months $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%; Floor Rate 2.49%; Offer valid through December 31, 2026
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
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; Loan Amount (min/max): $1,000 / $300,000; Open Account
As Low As; Loan Amount (min/max): $1,000 / $300,000; Open Account
Annual percentage rate (fixed); APR range: 4.99% - 9.44%
APR range: 4.99% - 9.44%; Rates Effective: 10-24-2026
Auto Loans; APR range 4.99% - 13.35%; Rates based on credit evaluation, may vary by credit worthiness, term and vehicle age; Vehicles over 10 model years old subject to additional 0.50% APR
As Low As; Rates include a maximum discount of 1.25%
- Oct 26, 20264.99%▲ from 4.74%
- Oct 14, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Rates include a maximum discount of 1.25%
- Oct 26, 20264.99%▲ from 4.74%
- Oct 14, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Rates include a maximum discount of 1.25%
- Oct 26, 20264.99%▲ from 4.74%
- Oct 14, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Rate/APR* as low as
Variable rate; Margin: 4.50%; Minimum APR: 4.00%; Rate may vary depending on credit history
Model Years 2020-2026; APR (Min) 5.04% - APR (Max) 16.65%
Credit Score: 740+; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.04% - 15.69%; Min. Loan Amount: $500; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
Model Year: 2016-2019; Annual percentage rate (fixed) range: 5.14% - 9.84%
Model Year: 2020-2022; APR range: 5.14% - 9.84% (fixed); Estimated minimum
APR range: 5.14% - 9.84%; Rates Effective: 10-24-2026
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
As Low As; APR (High): 16.79%; New Hybrid auto loans; discounts available for auto-pay and Premier Member Merits
As Low As; APR (High): 17.53%; New Hybrid auto loans; discounts available for auto-pay and Premier Member Merits
Model Years: 2017-2019; APR* (Max): 18.00%
Financing: 100% MSRP or High KBB; Model Year: 2021-2026; Maximum term dependent on purchase price and mileage; Add 1% for Drive4Less loans
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
APR range 5.24% - 18%; Rates based on credit history, credit qualifications, and loan term; Rates effective Aug. 1, 2026
APR range: 5.24 - 18%; Rates based on credit history, qualifications, and 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
Model Years 2020-2026; APR (Min) 5.24% - APR (Max) 17.24%
APR range: 5.24% - 14.99%; Effective Date: January 20, 2026
Annual percentage rate (fixed); APR range: 5.24% - 9.89%
APR range: 5.24% - 9.89%; Rates Effective: 10-24-2026
Credit Score: 740+; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.24% - 15.79%; Min. Loan Amount: $5,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
Auto Loans; APR range 5.24% - 13.60%; Rates based on credit evaluation, may vary by credit worthiness, term and vehicle age; Vehicles over 10 model years old subject to additional 0.50% APR
Published APR range: 5.24% - 13.60%. Fixed; Terms up to 72 Months (page context lists this rate under 84 Months); Rates based on credit evaluation and may vary on credit worthiness, term and vehicle age
As Low As; Rates as Low as* include a maximum discount of 1.25%; Model year 2022 and older
- Oct 26, 20265.24%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Rates as Low as* include a maximum discount of 1.25%; Model year 2022 and older
- Oct 26, 20265.24%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 3; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 4; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
APR range: 5.25% - 17.95%
APR range: 5.25% - 17.95%
As Low As; Rate/APR* as low as
APR range: 5.34% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $381.40 at 5.34% APR; Rates effective 9/30/2026
Model Year: 2022 & Newer; APR range 5.34% - 20.44%; Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history
- Oct 26, 20265.34%▼ from 5.44%
- Sep 14, 20265.44%first recorded
Credit Score: 740+; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.34% - 15.89%; Min. Loan Amount: $6,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
Credit Grade: A+ (725+); Model Year: 2022 & Newer; Max LTV: 120%
- Oct 1, 20265.36%▲ from 5.08%
- Sep 14, 20265.08%first recorded
Model Year: 2016-2019; Annual percentage rate (fixed) range: 5.39% - 10.19%
Model Year: 2020-2022; APR range: 5.39% - 10.19% (fixed); Estimated minimum
APR range: 5.39% - 10.19%; Used Auto 72-month term for model years 2016-2019 requires a minimum $12,000 loan amount; Rates Effective: 10-24-2026
Credit Grade: A+ (725+); Model Year: 2022 & Newer; Max LTV: 120%
- Oct 1, 20265.41%▲ from 5.13%
- Sep 14, 20265.13%first recorded
APR range: 5.44% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $326.95 at 5.44% APR; Rates effective 9/30/2026
Credit Score: 740+; Loan Amount: $10,000 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.44% - 15.99%; Min. Loan Amount: $10,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
As Low As; APR (High): 17.04%; New auto loans; 0.25% APR reduction with automatic loan payment and 0.25% with Premier Member Merits (excluding indirect dealership loans)
As Low As; APR (High): 17.78%; New auto loans; 0.25% APR reduction with automatic loan payment and 0.25% with Premier Member Merits (excluding indirect dealership loans)
As Low As; APR (High): 17.03%; Used EV auto loans; discounts available for EV financing and auto-pay
Credit Grade: A+ (725+); Model Year: 2022 & Newer; Max LTV: 120%
- 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 Grade: A+ (725+); Model Year: 2022 & Newer; Max LTV: 120%
- Oct 1, 20265.48%▲ from 5.20%
- Sep 14, 20265.20%first recorded
As Low As; Rates Effective: May 1, 2026; APR includes 0.50% automatic payment discount; Used vehicles (2023 & older) may not qualify for lowest APR; 90 days with no payments available
Financing: 100% High KBB; Rates effective as of October 22, 2026; Maximum term dependent on purchase price and mileage; Auto loans up to $10,000: maximum term 60 months; Auto loans $20,000 or more: maximum term 84 months; Add 1% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles
Financing: 100% MSRP or High KBB; Model Year: 2021-2026; Maximum term dependent on purchase price and mileage; Add 1% for Drive4Less loans
Model Year: 2022-2027; Financing: Up to 100%; Fixed rate; APR range: 5.49% - 17.99%
APR range: 5.49% - 18.00%; Collateral year: 2017-2022; Estimated payment $382.82 at 5.49% APR; Rates effective 9/30/2026
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
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
- Sep 17, 20265.49%▼ from 6.24%
- Sep 14, 20266.24%first recorded
APR range 5.49%-14.69%; Amount Financed: Up to 100% Financing; 96-month term requires a minimum loan amount of $50,000; Rates based on credit qualifications
As Low As; 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; .50 percent off interest rate if member participates in AFT, automatic deposit, and has an active savings or checking account
As Low As; Loan Amount (min/max): $5,000 / $300,000
As Low As; Loan Amount (min/max): $5,000 / $300,000
APR range: 5.49% - 14.99%; Effective Date: January 20, 2026
APR range: 5.49% - 17.49%; Effective Date: January 20, 2026
Annual percentage rate (fixed); APR range: 5.49% - 10.14%
APR range: 5.49% - 10.14%; Rates Effective: 10-24-2026
Credit Score: 700-739; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements
Used vehicle less than 6 model years old; APR is the lowest rate offered and may vary depending on credit history
As Low As; Rates include a maximum discount of 1.25%
- Oct 26, 20265.49%▲ from 5.24%
- Oct 14, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Rates as Low as* include a maximum discount of 1.25%; Model year 2022 and older
- Oct 26, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Standard APR*: 6.50%; Maximum Term in Years: 5; Best rates based on approved credit, reflects 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.
Variable rate; Margin: 4.50%; Minimum APR: 5.00%; Auto Loans effective October 1, 2026
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%
APR range: 5.59% - 18.00%; Collateral year: 2017-2022; Estimated payment $328.37 at 5.59% APR; Rates effective 9/30/2026
As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As; Fixed-rate new car loan; 60-month auto loan options; as of Oct. 26, 2026; excludes BofA Rewards discount of up to 0.50%; advertised APR assumes excellent credit
APR range: 5.64% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $289.42 at 5.64% APR; Rates effective 9/30/2026
Model Year: 2018-2021; APR range 5.69% - 20.74%; Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history
- Oct 26, 20265.69%▼ from 5.79%
- Sep 14, 20265.79%first recorded
Credit Score: 700-739; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements
Credit Score: 740+; Loan Amount: $15,000 - $250,000; 84 month term available on 2017 or newer models only; Rates assume ACH payment and e-statements
APR range: 5.69% - 16.09%; Min. Loan Amount: $15,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
- Sep 26, 20265.69%▲ from 5.49%
- Sep 18, 20265.49%first recorded
As Low As; APR (High): 17.28%; Used Hybrid auto loans; discounts available for auto-pay and Premier Member Merits
Financing: 100% High KBB; Rates effective as of October 22, 2026; Maximum term dependent on purchase price and mileage; Auto loans up to $10,000: maximum term 60 months; Auto loans $20,000 or more: maximum term 84 months; Add 1% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles
Financing: 100% MSRP or High KBB; Model Year: 2021-2026; Maximum term dependent on purchase price and mileage; Add 1% for Drive4Less loans
Model Year: 2022-2027; Financing: Up to 100%; Fixed rate; APR range: 5.74% - 17.99%
APR (Min) 5.74%; APR (Max) 17.50%
- Oct 9, 20265.74%▼ from 17.50%
- Sep 21, 202617.50%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Model Year: 2022 & Newer; APR range 5.74% - 20.84%; Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history
- Oct 26, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Rates as Low as* include a maximum discount of 1.25%; Model year 2022 and older
- Oct 26, 20265.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Standard APR*: 6.75%; Maximum Term in Years: 6; Best rates based on approved credit, reflects 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 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%
As Low As; Rates Effective: May 1, 2026; APRs include 0.50% discount for automatic payments; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account
- Oct 23, 20265.79%▲ from 3.99%
- Sep 16, 20263.99%first recorded
APR range: 5.79% - 18.00%; Collateral year: 2017-2022; Estimated payment $290.87 at 5.79% APR; Rates effective 9/30/2026
Credit Score: 700-739; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements
Model Years: 2017-2019; APR* (Max): 16.24%
As Low As; Fixed-rate used car loan; 60-month auto loan options; as of Oct. 26, 2026; excludes BofA Rewards discount of up to 0.50%; advertised APR assumes excellent credit
Model Year: 2020-2022; APR range: 5.84% - 11.49% (fixed); Estimated minimum
APR range: 5.84% - 11.49%; Used Auto 84-month term requires a minimum $15,000 loan amount and is offered on model years 2020-2022 only; Rates Effective: 10-24-2026
As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
Credit Grade: A+ (725+); Model Year: 2017-2021; Max LTV: 120%
- Oct 1, 20265.86%▲ from 5.58%
- Sep 14, 20265.58%first recorded
Credit Score: 700-739; Loan Amount: $10,000 - $250,000; Rates assume ACH payment and e-statements
Credit Grade: A+ (725+); Model Year: 2017-2021; Max LTV: 120%
- Oct 1, 20265.91%▲ from 5.63%
- Sep 14, 20265.63%first recorded
Model Year: 2022-2027; Financing: Up to 100%; Fixed rate; APR range: 5.94% - 17.99%
As Low As; APR (High): 17.53%; Used auto loans; 0.25% APR reduction with automatic loan payment and 0.25% with Premier Member Merits (excluding indirect dealership loans)
Credit Grade: A+ (725+); Model Year: 2017-2021; Max LTV: 120%
- Oct 1, 20265.95%▲ from 5.67%
- Sep 14, 20265.67%first recorded
Credit Grade: A+ (725+); Model Year: 2017-2021; Max LTV: 120%
- Oct 1, 20265.98%▲ from 5.70%
- Sep 14, 20265.70%first recorded
Financing: 100% High KBB; Rates effective as of October 22, 2026; Maximum term dependent on purchase price and mileage; Auto loans up to $10,000: maximum term 60 months; Auto loans $20,000 or more: maximum term 84 months; Add 1% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles
Financing: 100% MSRP or High KBB; Model Year: 2021-2026; Maximum term dependent on purchase price and mileage; Add 1% for Drive4Less loans
Model Year: 2017-2021; Financing: Up to 100%; Fixed rate; APR range: 5.99% - 17.99%
APR range: 5.99% - 15.24%; Effective Date: January 20, 2026
APR range: 5.99% - 16.72%; Effective Date: January 20, 2026
Auto Loans; Maximum Term: Up to 72 Months
As Low As; Rates include a maximum discount of 1.25%
- Oct 26, 20265.99%▲ from 5.74%
- Oct 14, 20265.74%▲ from 5.49%
- Sep 18, 20265.49%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%
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Model Year: 2024-2027; APR range 6.00% - 16.32%; Member Perks pricing applies, resulting in 0.25% discount on listed rates; Rates effective as of October 23, 2026
Model Year: 2024-2027; APR range 6.00% - 16.32%; Member Perks pricing applies, resulting in 0.25% discount on listed rates; Rates effective as of October 23, 2026
Model Year: 2024-2027; APR range 6.00% - 16.42%; Member Perks pricing applies, resulting in 0.25% discount on listed rates; Rates effective as of October 23, 2026
Financing amount: $45,000; For online applicants with excellent credit history; Last updated 10/22/2026
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $45,000; APR based on 60 months and $45,000; for online applicants with excellent credit; rates may vary by credit history, vehicle, financing amount and term
- Oct 26, 20266.04%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
Model Years 2020-2026; APR (Min) 6.04% - APR (Max) 7.84%
Model Year: 2024-2027; APR range 6.05% - 16.47%; Member Perks pricing applies, resulting in 0.25% discount on listed rates; Rates effective as of October 23, 2026
Financing amount: $30,000; For online applicants with excellent credit history; Last updated 10/22/2026
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
Financing amount: $30,000; APR based on 60 months and $30,000; for online applicants with excellent credit; rates may vary by credit history, vehicle, financing amount and term
- Oct 26, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
Model Year: 2016 or older; Financing: Up to 100%; Fixed rate; APR range: 6.09% - 17.99%
As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
Model Year: 2024-2027; APR range 6.10% - 16.69%; Member Perks pricing applies, resulting in 0.25% discount on listed rates; Rates effective as of October 23, 2026
As Low As; Loan Rates - Effective Friday, July 31, 2026
Model Year: 2022-2027; Financing: Up to 100%; Fixed rate; APR range: 6.19% - 17.99%
Credit Score: 660-699; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements
Financing: 100% High KBB; Rates effective as of October 22, 2026; Maximum term dependent on purchase price and mileage; Auto loans up to $10,000: maximum term 60 months; Auto loans $20,000 or more: maximum term 84 months; Add 1% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles
Model Year: 2022-2027; Financing: Up to 100%; Fixed rate; APR range: 6.24% - 17.99%
Model Year: 2017-2021; Financing: Up to 100%; Fixed rate; APR range: 6.24% - 17.99%
As Low As; Model Year: 2018-2023; Rates effective August 25, 2026
APR Maximum: 16.49%
As Low As; Rates as Low as* include a maximum discount of 1.25%; Model year 2022 and older
- Oct 26, 20266.24%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; APR as low as 5.25%; Maximum relationship discount 1.00%
- Oct 12, 20266.25%▲ from 5.75%
- Oct 8, 20265.75%first recorded
APR range: 6.25% - 16.49%; Member Perks pricing: 0.25% discount on listed rates; Rates effective as of October 23, 2026
APR range: 6.25% - 16.49%; Member Perks pricing: 0.25% discount on listed rates; Rates effective as of October 23, 2026
APR range: 6.25% - 16.59%; Member Perks pricing: 0.25% discount on listed rates; Rates effective as of October 23, 2026
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; Rates Effective: May 1, 2026; APRs include 0.50% discount for automatic payments; Must be eligible for membership and maintain at least $5.00 in a Membership Savings account
- Oct 23, 20266.29%▲ from 3.99%
- Sep 16, 20263.99%first recorded
Model Year: 2016 or older; Financing: Up to 100%; Fixed rate; APR range: 6.29% - 17.99%
Model Years 2026-2024; Credit Score 740 or Above; max LTV 100%
Credit Grade: A+ (725+); Model Year: 2016 & Older; Max LTV: 120%
- Oct 1, 20266.36%▲ from 6.08%
- Sep 14, 20266.08%first recorded
Model Year: 2022 & Newer; APR range 6.39% - 21.94%; Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history
- Oct 26, 20266.39%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Credit Score: 660-699; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements
Credit Grade: A+ (725+); Model Year: 2016 & Older; Max LTV: 120%
- Oct 1, 20266.41%▲ from 6.13%
- Sep 14, 20266.13%first recorded
As Low As; APR (High): 17.29%; Used EV auto loans; discounts available for EV financing and auto-pay
Model Year: 2017-2021; Financing: Up to 100%; Fixed rate; APR range: 6.44% - 17.99%
Model Year: 2018-2021; APR range 6.44% - 21.14%; Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history
- Oct 26, 20266.44%▲ from 6.19%
- Sep 14, 20266.19%first recorded
Credit Grade: A+ (725+); Model Year: 2016 & Older; Max LTV: 120%
- Oct 1, 20266.45%▲ from 6.17%
- Sep 14, 20266.17%first recorded
Credit Grade: A+ (725+); Model Year: 2016 & Older; Max LTV: 120%
- Oct 1, 20266.48%▲ from 6.20%
- Sep 14, 20266.20%first recorded
Model Years 2026-2024; Credit Score 740 or Above; max LTV 100%
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
Model Year: 2024-2027; APR range 6.49% - 16.99%; Member Perks pricing applies, resulting in 0.25% discount on listed rates; Rates effective as of October 23, 2026
APR range: 6.49% - 17.74%; Effective Date: January 20, 2026
Sweet Home New Auto Auto Loan Rates
Great Rates on New Auto Loans; Apply at 2438 Broadway NB or call (541) 756-5746
As Low As; Loan Rates - Effective Friday, July 31, 2026
Published APR range: 3.99 to 15.99%. Rates are determined by credit and collateral qualifications, and loan term.
- Sep 22, 20263.99%▼ from 4.99%
- Sep 14, 20264.99%first recorded
APR range 4.24% - 18%; Rates based on credit history, credit qualifications, and loan term; Rates effective Aug. 1, 2026
APR range: 4.24 - 18%; Rates based on credit history, qualifications, and term
Published APR range: 4.25% - 14.25%. 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 Loans - Effective October 1, 2026; Variable rate; Margin: 3.50%; Minimum APR: 4.00%; Vehicle considered NEW if next year's, this year's, or last year's model with < 20,000 miles
As Low As; APR (High): 16.54%; New EV auto loans; discounts available for EV financing and auto-pay
As Low As; APR (High): 17.28%; New EV auto loans; discounts available for EV financing and auto-pay
Rate range: 4.99% - 18.00%; Loan amounts per term: Up to 60 months $5,000-$9,999.99; 61-72 months $10,000-$14,999.99; 73-84 months $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%; Floor Rate 2.49%; Offer valid through December 31, 2026
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
As Low As; Loan Amount (min/max): $1,000 / $300,000; Open Account
Annual percentage rate (fixed); APR range: 4.99% - 9.44%
APR range: 4.99% - 9.44%; Rates Effective: 10-24-2026
Auto Loans; APR range 4.99% - 13.35%; Rates based on credit evaluation, may vary by credit worthiness, term and vehicle age; Vehicles over 10 model years old subject to additional 0.50% APR
As Low As; Rates include a maximum discount of 1.25%
- Oct 26, 20264.99%▲ from 4.74%
- Oct 14, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Rates include a maximum discount of 1.25%
- Oct 26, 20264.99%▲ from 4.74%
- Oct 14, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Rates include a maximum discount of 1.25%
- Oct 26, 20264.99%▲ from 4.74%
- Oct 14, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Rate/APR* as low as
Model Years 2020-2026; APR (Min) 5.04% - APR (Max) 16.65%
Credit Score: 740+; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.04% - 15.69%; Min. Loan Amount: $500; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
As Low As; APR (High): 16.79%; New Hybrid auto loans; discounts available for auto-pay and Premier Member Merits
As Low As; APR (High): 17.53%; New Hybrid auto loans; discounts available for auto-pay and Premier Member Merits
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
Model Years 2020-2026; APR (Min) 5.24% - APR (Max) 17.24%
APR range: 5.24% - 14.99%; Effective Date: January 20, 2026
Annual percentage rate (fixed); APR range: 5.24% - 9.89%
APR range: 5.24% - 9.89%; Rates Effective: 10-24-2026
Credit Score: 740+; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.24% - 15.79%; Min. Loan Amount: $5,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
Auto Loans; APR range 5.24% - 13.60%; Rates based on credit evaluation, may vary by credit worthiness, term and vehicle age; Vehicles over 10 model years old subject to additional 0.50% APR
Published APR range: 5.24% - 13.60%. Fixed; Terms up to 72 Months (page context lists this rate under 84 Months); Rates based on credit evaluation and may vary on credit worthiness, term and vehicle age
APR range: 5.25% - 17.95%
As Low As; Rate/APR* as low as
APR range: 5.34% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $381.40 at 5.34% APR; Rates effective 9/30/2026
Model Year: 2022 & Newer; APR range 5.34% - 20.44%; Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history
- Oct 26, 20265.34%▼ from 5.44%
- Sep 14, 20265.44%first recorded
Credit Score: 740+; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.34% - 15.89%; Min. Loan Amount: $6,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
Credit Grade: A+ (725+); Model Year: 2022 & Newer; Max LTV: 120%
- Oct 1, 20265.36%▲ from 5.08%
- Sep 14, 20265.08%first recorded
Credit Grade: A+ (725+); Model Year: 2022 & Newer; Max LTV: 120%
- Oct 1, 20265.41%▲ from 5.13%
- Sep 14, 20265.13%first recorded
APR range: 5.44% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $326.95 at 5.44% APR; Rates effective 9/30/2026
Credit Score: 740+; Loan Amount: $10,000 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.44% - 15.99%; Min. Loan Amount: $10,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
As Low As; APR (High): 17.04%; New auto loans; 0.25% APR reduction with automatic loan payment and 0.25% with Premier Member Merits (excluding indirect dealership loans)
As Low As; APR (High): 17.78%; New auto loans; 0.25% APR reduction with automatic loan payment and 0.25% with Premier Member Merits (excluding indirect dealership loans)
Credit Grade: A+ (725+); Model Year: 2022 & Newer; Max LTV: 120%
- Oct 1, 20265.45%▲ from 5.17%
- Sep 14, 20265.17%first recorded
Credit Grade: A+ (725+); Model Year: 2022 & Newer; Max LTV: 120%
- Oct 1, 20265.48%▲ from 5.20%
- Sep 14, 20265.20%first recorded
Model Year: 2022-2027; Financing: Up to 100%; Fixed rate; APR range: 5.49% - 17.99%
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
APR range 5.49%-14.69%; Amount Financed: Up to 100% Financing; 96-month term requires a minimum loan amount of $50,000; Rates based on credit qualifications
As Low As; Loan Amount (min/max): $5,000 / $300,000
APR range: 5.49% - 14.99%; Effective Date: January 20, 2026
APR range: 5.49% - 17.49%; Effective Date: January 20, 2026
Annual percentage rate (fixed); APR range: 5.49% - 10.14%
APR range: 5.49% - 10.14%; Rates Effective: 10-24-2026
Credit Score: 700-739; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements
As Low As; Rates include a maximum discount of 1.25%
- Oct 26, 20265.49%▲ from 5.24%
- Oct 14, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%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
As Low As; Fixed-rate new car loan; 60-month auto loan options; as of Oct. 26, 2026; excludes BofA Rewards discount of up to 0.50%; advertised APR assumes excellent credit
APR range: 5.64% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $289.42 at 5.64% APR; Rates effective 9/30/2026
Credit Score: 700-739; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements
Credit Score: 740+; Loan Amount: $15,000 - $250,000; 84 month term available on 2017 or newer models only; Rates assume ACH payment and e-statements
APR range: 5.69% - 16.09%; Min. Loan Amount: $15,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
- Sep 26, 20265.69%▲ from 5.49%
- Sep 18, 20265.49%first recorded
Model Year: 2022-2027; Financing: Up to 100%; Fixed rate; APR range: 5.74% - 17.99%
Model Year: 2022 & Newer; APR range 5.74% - 20.84%; Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history
- Oct 26, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Rate/APR* as low as
Credit Score: 700-739; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements
Credit Score: 700-739; Loan Amount: $10,000 - $250,000; Rates assume ACH payment and e-statements
Model Year: 2022-2027; Financing: Up to 100%; Fixed rate; APR range: 5.94% - 17.99%
As Low As; Rates include a maximum discount of 1.25%
- Oct 26, 20265.99%▲ from 5.74%
- Oct 14, 20265.74%▲ from 5.49%
- Sep 18, 20265.49%first recorded
As Low As; Rate/APR* as low as
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Model Year: 2024-2027; APR range 6.00% - 16.32%; Member Perks pricing applies, resulting in 0.25% discount on listed rates; Rates effective as of October 23, 2026
Model Year: 2024-2027; APR range 6.00% - 16.32%; Member Perks pricing applies, resulting in 0.25% discount on listed rates; Rates effective as of October 23, 2026
Model Year: 2024-2027; APR range 6.00% - 16.42%; Member Perks pricing applies, resulting in 0.25% discount on listed rates; Rates effective as of October 23, 2026
Financing amount: $45,000; For online applicants with excellent credit history; Last updated 10/22/2026
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $45,000; APR based on 60 months and $45,000; for online applicants with excellent credit; rates may vary by credit history, vehicle, financing amount and term
- Oct 26, 20266.04%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
Model Years 2020-2026; APR (Min) 6.04% - APR (Max) 7.84%
Model Year: 2024-2027; APR range 6.05% - 16.47%; Member Perks pricing applies, resulting in 0.25% discount on listed rates; Rates effective as of October 23, 2026
Model Year: 2024-2027; APR range 6.10% - 16.69%; Member Perks pricing applies, resulting in 0.25% discount on listed rates; Rates effective as of October 23, 2026
Model Year: 2022-2027; Financing: Up to 100%; Fixed rate; APR range: 6.19% - 17.99%
Credit Score: 660-699; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements
Model Year: 2022-2027; Financing: Up to 100%; Fixed rate; APR range: 6.24% - 17.99%
APR Maximum: 16.49%
As Low As; APR as low as 5.25%; Maximum relationship discount 1.00%
- Oct 12, 20266.25%▲ from 5.75%
- Oct 8, 20265.75%first recorded
Model Year: 2022 & Newer; APR range 6.39% - 21.94%; Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history
- Oct 26, 20266.39%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Credit Score: 660-699; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
Model Year: 2024-2027; APR range 6.49% - 16.99%; Member Perks pricing applies, resulting in 0.25% discount on listed rates; Rates effective as of October 23, 2026
Sweet Home Used Auto Auto Loan Rates
Published APR range: 3.99 to 16.24%. Rates are determined by credit and collateral qualifications, and loan term.
- Sep 22, 20263.99%▼ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Loan Rates - Effective Friday, July 31, 2026
Rate range: 4.99% - 18.00%; Loan amounts per term: Up to 60 months $5,000-$9,999.99; 61-72 months $10,000-$14,999.99; 73-84 months $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%; Floor Rate 2.49%; Offer valid through December 31, 2026
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
As Low As; Loan Amount (min/max): $1,000 / $300,000; Open Account
Auto Loans; APR range 4.99% - 13.35%; Rates based on credit evaluation, may vary by credit worthiness, term and vehicle age; Vehicles over 10 model years old subject to additional 0.50% APR
Variable rate; Margin: 4.50%; Minimum APR: 4.00%; Rate may vary depending on credit history
Model Year: 2016-2019; Annual percentage rate (fixed) range: 5.14% - 9.84%
Model Year: 2020-2022; APR range: 5.14% - 9.84% (fixed); Estimated minimum
APR range: 5.14% - 9.84%; Rates Effective: 10-24-2026
Model Years: 2017-2019; APR* (Max): 18.00%
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
APR range 5.24% - 18%; Rates based on credit history, credit qualifications, and loan term; Rates effective Aug. 1, 2026
APR range: 5.24 - 18%; Rates based on credit history, qualifications, and term
Auto Loans; APR range 5.24% - 13.60%; Rates based on credit evaluation, may vary by credit worthiness, term and vehicle age; Vehicles over 10 model years old subject to additional 0.50% APR
Published APR range: 5.24% - 13.60%. Fixed; Terms up to 72 Months (page context lists this rate under 84 Months); Rates based on credit evaluation and may vary on credit worthiness, term and vehicle age
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 3; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 4; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
APR range: 5.25% - 17.95%
As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
Model Year: 2016-2019; Annual percentage rate (fixed) range: 5.39% - 10.19%
Model Year: 2020-2022; APR range: 5.39% - 10.19% (fixed); Estimated minimum
APR range: 5.39% - 10.19%; Used Auto 72-month term for model years 2016-2019 requires a minimum $12,000 loan amount; Rates Effective: 10-24-2026
As Low As; APR (High): 17.03%; Used EV auto loans; discounts available for EV financing and auto-pay
APR range: 5.49% - 18.00%; Collateral year: 2017-2022; Estimated payment $382.82 at 5.49% APR; Rates effective 9/30/2026
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
As Low As; 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; .50 percent off interest rate if member participates in AFT, automatic deposit, and has an active savings or checking account
As Low As; Loan Amount (min/max): $5,000 / $300,000
Used vehicle less than 6 model years old; APR is the lowest rate offered and may vary depending on credit history
As Low As; Standard APR*: 6.50%; Maximum Term in Years: 5; Best rates based on approved credit, reflects 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.
Variable rate; Margin: 4.50%; Minimum APR: 5.00%; Auto Loans effective October 1, 2026
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: 5.59% - 18.00%; Collateral year: 2017-2022; Estimated payment $328.37 at 5.59% APR; Rates effective 9/30/2026
As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As; APR (High): 17.28%; Used Hybrid auto loans; discounts available for auto-pay and Premier Member Merits
As Low As; Standard APR*: 6.75%; Maximum Term in Years: 6; Best rates based on approved credit, reflects 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 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%
APR range: 5.79% - 18.00%; Collateral year: 2017-2022; Estimated payment $290.87 at 5.79% APR; Rates effective 9/30/2026
Model Years: 2017-2019; APR* (Max): 16.24%
As Low As; Fixed-rate used car loan; 60-month auto loan options; as of Oct. 26, 2026; excludes BofA Rewards discount of up to 0.50%; advertised APR assumes excellent credit
Model Year: 2020-2022; APR range: 5.84% - 11.49% (fixed); Estimated minimum
APR range: 5.84% - 11.49%; Used Auto 84-month term requires a minimum $15,000 loan amount and is offered on model years 2020-2022 only; Rates Effective: 10-24-2026
As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As; APR (High): 17.53%; Used auto loans; 0.25% APR reduction with automatic loan payment and 0.25% with Premier Member Merits (excluding indirect dealership loans)
Model Year: 2017-2021; Financing: Up to 100%; Fixed rate; APR range: 5.99% - 17.99%
APR range: 5.99% - 15.24%; Effective Date: January 20, 2026
APR range: 5.99% - 16.72%; Effective Date: January 20, 2026
Auto Loans; Maximum Term: Up to 72 Months
As Low As; Used autos older than eight model years are limited to 80% Loan to Value or collateral loan rate plus 2.00%
Financing amount: $30,000; For online applicants with excellent credit history; Last updated 10/22/2026
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
Financing amount: $30,000; APR based on 60 months and $30,000; for online applicants with excellent credit; rates may vary by credit history, vehicle, financing amount and term
- Oct 26, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
Model Year: 2016 or older; Financing: Up to 100%; Fixed rate; APR range: 6.09% - 17.99%
As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans
As Low As; Loan Rates - Effective Friday, July 31, 2026
Model Year: 2017-2021; Financing: Up to 100%; Fixed rate; APR range: 6.24% - 17.99%
APR range: 6.25% - 16.49%; Member Perks pricing: 0.25% discount on listed rates; Rates effective as of October 23, 2026
APR range: 6.25% - 16.49%; Member Perks pricing: 0.25% discount on listed rates; Rates effective as of October 23, 2026
APR range: 6.25% - 16.59%; Member Perks pricing: 0.25% discount on listed rates; Rates effective as of October 23, 2026
As Low As; Used autos older than eight model years are limited to 80% Loan to Value or collateral loan rate plus 2.00%
Model Year: 2016 or older; Financing: Up to 100%; Fixed rate; APR range: 6.29% - 17.99%
As Low As; APR (High): 17.29%; Used EV auto loans; discounts available for EV financing and auto-pay
Model Year: 2017-2021; Financing: Up to 100%; Fixed rate; APR range: 6.44% - 17.99%
As Low As; Rate quoted with AutoPay discount; loans without AutoPay are 0.50% higher
APR range: 6.49% - 17.74%; Effective Date: January 20, 2026
Sweet Home, OR Auto Loan Rate Trends
Compare local Sweet Home, 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 0.061 points over the past 7 days to 5.276% APR.
Oregon used auto rates rose 0.057 points over the past 7 days to 5.819% APR.
Sweet Home, 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 @ 5.28% APR OR average | Used Auto @ 5.82% APR OR average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.97/mo | $288.73/mo | $3.76/mo |
| $25,000 | $474.95/mo | $481.22/mo | $6.26/mo |
| $35,000 | $664.93/mo | $673.70/mo | $8.77/mo |
| $45,000 | $854.92/mo | $866.19/mo | $11.27/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 Sweet Home, Oregon
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Sweet Home, 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 Sweet Home, 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: Sweet Home, Oregon CD rates lock in a guaranteed return until you’re ready to buy
Sweet Home, Oregon Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $570 monthly car payment works out to roughly 18.8% of the median individual income in Sweet Home, 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 Sweet Home, 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 Sweet Home, 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 Sweet Home, 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 Sweet Home, 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 Sweet Home, 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 Sweet Home, 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 Sweet Home, Oregon
What are auto loan rates in Sweet Home, Oregon today?
How does my credit score affect my car loan rate in Sweet Home, 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 Sweet Home, 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 Sweet Home, Oregon?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Sweet Home, Oregon?
- South Coast ILWU Federal Credit Union: 3.85% (New Auto Loan)
- Sage Credit Union: 3.99% (Auto Loan)
- 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 Vehicle Loans)
Sweet Home, Oregon Rates & Resources
