Auto Loan Rates in Chattaroy, Washington (WA) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Chattaroy, Washington include LONGSHOREMENS LOCAL 4LONGSHOREMENS LOCAL 4A+5.0 ★Texas Ratio: 0.85% offering New vehicle Loan at 1.99%, Waterfront Federal Credit UnionWaterfront Federal Credit UnionA+5.0 ★Texas Ratio: 5.62% offering New & Used Autos (2021 & Newer) at 3.64%, EvergreenDIRECT Credit UnionEvergreenDIRECT Credit UnionA+5.0 ★Texas Ratio: 3.26% offering New/Used Auto at 3.99%, Delta Schools Federal Credit UnionDelta Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.34% offering New Vehicles Model Year 2025-2026 Loan at 3.99%, Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit UnionC+4.2 ★Texas Ratio: 23.15% offering New Vehicles Loan at 4.24%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Chattaroy borrowers have access to 33 lenders serving the Washington area, with auto loan rates as low as 1.99% APR from LONGSHOREMENS LOCAL 4. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Chattaroy, Washington. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Chattaroy, Washington & Surrounding Area
Chattaroy Auto Loan Rates
As low as 1.99%
Example: 48 monthly payments of $22.42 for every $1,000 borrowed at 3.64%
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 36 monthly payments of $29.53 per $1,000 borrowed
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $22.69 per $1,000 borrowed
As Low As; Up to 120% Financing on Approved Credit
As Low As
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 60 monthly payments of $18.65 per $1,000 borrowed
0% down OAC
up to 10 years old; 0% down OAC
As Low As; Up to 120% Financing on Approved Credit
2024 and newer. Loan to value based on MSRP or NADA retail.
2023 and older. Loan to value based on NADA retail.
Example: 48 monthly payments of $22.92 for every $1,000 borrowed at 4.74%
Estimated minimum monthly payment: $281.29 based on a 60 month, $15,000 loan at 4.74% APR*
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 72 monthly payments of $16.00 per $1,000 borrowed
Up to 100% LTV/Mileage maximum: 150,000
As Low As; Up to 120% Financing on Approved Credit
Estimated minimum monthly payment: $241.50 based on a 72 month, $15,000 loan at 4.99% APR*
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Starting At 5.21 %
APR* (rate will vary based on term)
Get a great rate to finance your dream ride. Payment example: If you borrow $20,000 for 60 months at 5.24% APR, your monthly payment would be $379.63. Refinancing: up to 1.00% APR off your current lender's APR down to 4.74% APR. Checking Relationship Plan discount of 0.25% APR for automatic loan payments from Columbia CU checking.
As Low As; Rate Equality: every qualified member gets the same low rate. 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. Gas vehicles exceeding 120,000 miles: maximum term 72 months. Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles. Purchase: Front end LTV >100%, add .25%; >110%, add .50%; >120%, add .75%. Maximum LTV 130%. Refinance: Back end LTV >100%, add .25%. Maximum LTV 130%. Add 1% for Drive4Less loans.
Estimated minimum monthly payment: $213.70 based on a 84 month, $15,000 loan at 5.24% APR*
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 84 monthly payments of $14.37 per $1,000 borrowed
0% down OAC
up to 10 years old; 0% down OAC
As Low As; Up to 120% Financing on Approved Credit
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
As Low As
Up to 100% LTV/Mileage maximum: 150,000
As Low As
As Low As; Vehicle Age: 2021+
Fixed rate, with no more than 12,000 miles.
Fixed rate, on vehicles up to 10 years old.
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
As Low As
Starting at 5.77 %
As Low As
Starting At 5.93 %
As Low As; Vehicle Age: 2021+
Vehicle Age: 2012 - 2020
Fixed rate, with no more than 12,000 miles.
Fixed rate, available under certain conditions.
Starting At 5.99 %
As Low As
As Low As
Up to 100% LTV/Mileage maximum: 150,000
As Low As
As Low As
Vehicle Age: 2012 - 2020
As Low As
Model years 2016 - 2026
As Low As
Model years 2016 - 2026
Model Years 2023 or Newer (Includes Tax and License)
As Low As
Model years 2016 - 2026
Up to 100% LTV/Mileage maximum: 150,000
As Low As
Model years 2016 - 2026
As Low As
Model years 2016 - 2026, minimum loan amount $15,000
11-18 years old; requires 10% down
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As
Model Years 2019 to 2022
As Low As
Vehicle Age: 2011 & Older
As Low As
Up to 100% LTV/Mileage maximum: 150,000
A+ A Credit Tier Only
As Low As
As Low As
1.99% to 8.75%
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
Chattaroy New Auto Auto Loan Rates
As low as 1.99%
Example: 48 monthly payments of $22.42 for every $1,000 borrowed at 3.64%
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 36 monthly payments of $29.53 per $1,000 borrowed
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $22.69 per $1,000 borrowed
As Low As; Up to 120% Financing on Approved Credit
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 60 monthly payments of $18.65 per $1,000 borrowed
0% down OAC
As Low As; Up to 120% Financing on Approved Credit
2024 and newer. Loan to value based on MSRP or NADA retail.
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 72 monthly payments of $16.00 per $1,000 borrowed
As Low As; Up to 120% Financing on Approved Credit
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
Starting At 5.21 %
APR* (rate will vary based on term)
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 84 monthly payments of $14.37 per $1,000 borrowed
0% down OAC
As Low As; Up to 120% Financing on Approved Credit
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
As Low As
As Low As; Vehicle Age: 2021+
Fixed rate, with no more than 12,000 miles.
As Low As
As Low As
Starting At 5.93 %
As Low As; Vehicle Age: 2021+
Fixed rate, with no more than 12,000 miles.
As Low As
As Low As
As Low As
As Low As
Model Years 2023 or Newer (Includes Tax and License)
As Low As
As Low As
As Low As
Annual percentage rate (fixed)*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As
As Low As
As Low As
A+ A Credit Tier Only
As Low As
As Low As
Chattaroy Used Auto Auto Loan Rates
Example: 48 monthly payments of $22.42 for every $1,000 borrowed at 3.64%
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 36 monthly payments of $29.53 per $1,000 borrowed
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $22.69 per $1,000 borrowed
As Low As; Up to 120% Financing on Approved Credit
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 60 monthly payments of $18.65 per $1,000 borrowed
up to 10 years old; 0% down OAC
As Low As; Up to 120% Financing on Approved Credit
2023 and older. Loan to value based on NADA retail.
Example: 48 monthly payments of $22.92 for every $1,000 borrowed at 4.74%
Estimated minimum monthly payment: $281.29 based on a 60 month, $15,000 loan at 4.74% APR*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 72 monthly payments of $16.00 per $1,000 borrowed
Up to 100% LTV/Mileage maximum: 150,000
As Low As; Up to 120% Financing on Approved Credit
Estimated minimum monthly payment: $241.50 based on a 72 month, $15,000 loan at 4.99% APR*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
APR* (rate will vary based on term)
Estimated minimum monthly payment: $213.70 based on a 84 month, $15,000 loan at 5.24% APR*
Rates Effective: 06-16-2026. Promotional rates effective 05/22/2026 - 07/06/2026. Offer excludes the refinance of existing OnPoint auto loans. Promotional rates cannot be combined with any other discounts or offers, such as Green Auto or OnPoint Rewards. All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate. OnPoint rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Rewards. Please see an OnPoint representative for more information or click here. 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount. Examples of Business Specialty Vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2015 and older and Business Specialty Vehicle loans, the maximum LTV is 100% for the first four vehicle loans financed. After the fourth vehicle loan the maximum LTV is 80%, unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when vehicle has not been previously titled). Alternative terms and additional conditions may apply.
As Low As
As Low As
As Low As; Estimated Monthly Payment Examples: 84 monthly payments of $14.37 per $1,000 borrowed
up to 10 years old; 0% down OAC
As Low As; Up to 120% Financing on Approved Credit
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
Up to 100% LTV/Mileage maximum: 150,000
Fixed rate, on vehicles up to 10 years old.
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
As Low As
Starting at 5.77 %
Vehicle Age: 2012 - 2020
Fixed rate, available under certain conditions.
Starting At 5.99 %
As Low As
Up to 100% LTV/Mileage maximum: 150,000
Vehicle Age: 2012 - 2020
As Low As
As Low As
Up to 100% LTV/Mileage maximum: 150,000
As Low As
11-18 years old; requires 10% down
As Low As
Model Years 2019 to 2022
As Low As
Vehicle Age: 2011 & Older
As Low As
Up to 100% LTV/Mileage maximum: 150,000
As Low As
As Low As
1.99% to 8.75%
Chattaroy, WA Auto Loan Rate Trends
Compare local Chattaroy, WA 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.
Washington new auto rates fell 0.171 points over the past 7 days to 5.689% APR.
Washington used auto rates fell 0.184 points over the past 7 days to 6.090% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Chattaroy, Washington 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 Chattaroy, Washington 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 Chattaroy, Washington. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in WA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Chattaroy, Washington
How does my credit score affect my car loan rate in Washington?
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?
What are the best Auto Loan rates in Chattaroy, Washington?
- LONGSHOREMENS LOCAL 4: 1.99% (New vehicle Loan)
- Waterfront Federal Credit Union: 3.64% (New & Used Autos (2021 & Newer))
- EvergreenDIRECT Credit Union: 3.99% (New/Used Auto)
- Delta Schools Federal Credit Union: 3.99% (New Vehicles Model Year 2025-2026 Loan)
- Ironworkers USA Federal Credit Union: 4.24% (New Vehicles Loan)
Chattaroy, Washington Rates & Resources
