Hoodsport, Washington Best Auto Loan Rates for October 2026
Brian McKay
Brian McKay
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Hoodsport, Washington auto loan rates from lenders serving Washington range from 1.99% to 6.00% APR, verified by MonitorBankRates as of October 31, 2026. Current auto loan rates in Hoodsport, Washington include Longshoremen's Local 4 Federal Credit UnionLongshoremen's Local 4 Federal Credit UnionA+5.0 ★Texas Ratio: 0.67%Rate verified Oct 30, 2026 offering New vehicle at 1.99%, Responders Emergency Services Credit UnionResponders Emergency Services Credit UnionA+5.0 ★Texas Ratio: 0.03%Rate verified Oct 30, 2026 offering New & Used Automobiles at 3.79%, Delta Schools Federal Credit UnionDelta Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.02%Rate verified Oct 29, 2026 offering New Vehicles Model Year 2025-2026 Loan at 3.99%, Spokane City Credit UnionSpokane City Credit UnionA+5.0 ★Texas Ratio: 0.74%Rate verified Oct 30, 2026 offering Autos and Motorcycles at 3.99%, EvergreenDIRECT Credit UnionEvergreenDIRECT Credit UnionA+5.0 ★Texas Ratio: 2.61%Rate verified Oct 30, 2026 offering New/Used Auto Loan - 36 Months at 3.99%. Auto loan rates as of October 31, 2026 according to verified data from MonitorBankRates.
Hoodsport borrowers have access to 48 lenders serving the Washington area, with auto loan rates as low as 1.99% APR from Longshoremen's Local 4 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 Hoodsport, Washington. Auto Loan Rates Last Updated and Verified: October 31, 2026
Compare Auto Loan Rates Today in Hoodsport, Washington & Surrounding Area
Hoodsport Auto Loan Rates
As Low As; Rate: As low as 1.99%
Rate range: 1.99% to 8.75%
- Oct 1, 20261.99%▼ from 8.75%
- Sep 18, 20268.75%▲ from 1.99%
- Sep 14, 20261.99%first recorded
SPECIALS!; 7 years or newer model years
- Oct 10, 20263.79%▼ from 3.99%
- Sep 14, 20263.99%first recorded
New vehicle loan
As Low As; Rate range From 3.99% to 18.00%; Your rate is determined by term, credit score, down payment and vehicle age and mileage.
- Oct 26, 20263.99%▲ from 3.79%
- Oct 19, 20263.79%first recorded
As Low As; 7 model years or newer
As Low As
As Low As; Standard New/Used Auto Rates
APR range: 4.00% - 18%
Model Year 2020-2024
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%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
As Low As
As Low As; Standard New/Used Auto Rates
APR range: 4.24% - 18.00%; Up to 115% Book Value or purchase price, depending on credit quality.
Vehicle Model Years: New Vehicles (2023 - 2026); APR range: 4.25% - 16.75%; Up to 125% LTV / Mileage maximum: 150,000; Rates effective as of 6/30/2026
As Low As; APR shown as low as 4.25%
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
0% down OAC
up to 10 years old; 0% down OAC
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 36 Months
- Oct 26, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
Autos & Trucks, 10 Years Old & Newer; APR Range: 4.49% - 17.99%; OAC (On Approved Credit)
As Low As
As Low As; Standard New/Used Auto Rates
As Low As; Flat promotional rate for eligible new or used vehicle purchases and refinances from other financial institutions; model year 2020 or newer with fewer than 100,000 miles; current OURCU auto loans not eligible; promotion ends October 31, 2026
APR Range: 4.50% to 16.75%; 2024 and newer; Loan to value based on MSRP or NADA retail; Payment example: $354.29 a month based on a 5 year, $19,000 loan at 4.50% APR
APR Range: 4.50% to 16.75%; 2023 and older; Loan to value based on NADA retail; Payment example: $186.47 a month based on a 5 year, $10,000 loan at 4.50% APR
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.59%▲ from 4.29%
- Sep 30, 20264.29%first recorded
APR range: 4.74% - 17.99%; Rates effective as of February 18, 2026; Actual APR based on credit history and loan term
APR range: 4.74% - 17.99%; APR is based on credit history and loan term
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
As Low As; APR range 4.74% - 16.75%
New vehicle loan
New vehicle loan
New vehicle loan; Minimum loan $20,000
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 48 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 60 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Model Year 2025 or newer; APR range: 4.74% - 13.24%
Model year: 2023 and newer; APR range 4.74% - 15.49%
Published APR range: 4.74% - 15.24%. Fixed APR; Extended terms: rate may increase by 0.50% - 2.50% if term is greater than 60 months based on credit score; Mileage: rate may increase by 2.50% - 4.50% for high mileage (not to exceed 150,000) based on credit score; Qualifying loans with 90% LTV or less and credit scores of 650+ may be eligible for a 0.50% rate discount
As Low As
As Low As; Standard New/Used Auto Rates
APR Range: 4.85% - 17.35%
As Low As; Flat promotional rate for eligible new or used vehicle purchases and refinances from other financial institutions; model year 2020 or newer with fewer than 100,000 miles; current OURCU auto loans not eligible; promotion ends October 31, 2026
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
Annual percentage rate (fixed); APR range: 4.99% - 9.44%
APR range: 4.99% - 9.44%; Estimated minimum monthly payment based on 60 month, $15,000 loan at 6.34% APR; Rates Effective: 10-29-2026
Fixed APR range: 4.99% - 15.24% APR; $50 document preparation fee required; discounts up to 0.50% may apply
- Oct 5, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Model Year 2025 or newer; APR range: 4.99% - 14.24%
Model Year 2024 or older; APR range: 4.99% - 13.49%
Down payment: 20%
As Low As; New & Used purchase or refinance
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
Credit Rating: A++ / A+ (750+ / 720-749); Floor rate with payroll direct deposit; Add 0.50% per year over 60 months
APR range: 5.00% - 18%
Vehicle Model Years: New Vehicles (2023 - 2026); APR range: 5.00% - 17.50%; Up to 125% LTV / Mileage maximum: 150,000; Rates effective as of 6/30/2026
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; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20265.09%▲ from 4.79%
- Sep 30, 20264.79%first recorded
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%; Estimated minimum monthly payment based on 60 month, $15,000 loan at 6.64% APR; Rates Effective: 10-29-2026
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
New vehicle loan; Minimum loan $25,000
Model Year 2020-2024
As Low As; Flat promotional rate for eligible new or used vehicle purchases and refinances from other financial institutions; model year 2020 or newer with fewer than 100,000 miles; current OURCU auto loans not eligible; promotion ends October 31, 2026
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Term: Up to 48 months (4 years); Vehicles, boats, RV's, ATV's 2017-2027
Rate range: 5.220% to 17.470% APR; rate varies based on term; Purchase New Vehicles: Up to 125% LTV of NADA, MSRP Value or purchase price whichever is less; Purchase Used Vehicles: Up to 125% LTV of NADA Average Retail value or purchase price whichever is less; Refinance: Up to 100% LTV (cash out) of NADA Avg Retail value; Maximum loan not to exceed 125% LTV of MSRP or NADA value including taxes, license, GAP and extended warranty
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; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
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; Up to 120% Financing on Approved Credit; Term (up to) 72 Months
Annual percentage rate (fixed); APR range: 5.24% - 9.89%
APR range: 5.24% - 9.89%; Estimated minimum monthly payment based on 72 month, $15,000 loan at 6.59% APR; Rates Effective: 10-29-2026
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
Model Year 2025 or newer; APR range: 5.24% - 13.74%
Model Year 2024 or older; APR range: 5.24% - 14.49%
Criteria: 0-10 model years old; APR Range: 5.24% to 17.15%
Model year: 2022 and older; APR range 5.24% - 15.24%
As Low As; California Registered Vehicles ONLY. Out-of-state dealer purchase available (upon approval). New vehicle loans are for the current or next year model with 10,000 miles or under.
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
Credit Rating: A (700-719); Floor rate with payroll direct deposit; Add 0.50% per year over 60 months
Model Year 2020-2024
Model Year 2020-2024; Min loan $20,000
As Low As; Max $100,000; APR range 5.30 - 13.60%
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
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%; 72-month term for model years 2016-2019 requires minimum $12,000 loan amount; Estimated minimum monthly payment based on 72 month, $15,000 loan at 6.89% APR; Rates Effective: 10-29-2026
As Low As; Max $100,000; APR range 5.40 - 14.14%
As Low As; Max $100,000; APR range 5.43 - 13.73%
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
Term: 49 to 60 months (5 years); Vehicles, boats, RV's, ATV's 2017-2027
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
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
APR range: 5.49% - 18.00%; Collateral year: 2017-2022; Estimated payment $382.82 at 5.49% APR; Rates effective 9/30/2026
Fixed rate, terms up to 72 months with no more than 12,000 miles; APR range: 5.49% to 14.49%
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
As Low As; Models 2017 - 2020; Maximum amount financed up to 110% of NADA average retail including tax and license
0% down OAC
up to 10 years old; 0% down OAC
Annual percentage rate (fixed); APR range: 5.49% - 10.14%
APR range: 5.49% - 10.14%; Minimum $15,000 loan amount; Estimated minimum monthly payment based on 84 month, $15,000 loan at 7.04% APR; Rates Effective: 10-29-2026
Credit Score: 700-739; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.49% - 8.74%; New vehicles have never been titled or licensed and used vehicles up to 1 year old; Rates increase without automatic payment; Rates decrease for hybrid and EV loans; Terms up to 84 months are available based on the age of the vehicle and the dollar amount of the loan
Model Year 2025 or newer; APR range: 5.49% - 14.74%
Model Year 2024 or older; APR range: 5.49% - 13.99%
Down payment: 10%
As Low As
As Low As; Standard New/Used Auto Rates
As Low As; California Registered Vehicles ONLY. Out-of-state dealer purchase available (upon approval). New vehicle loans are for the current or next year model with 10,000 miles or under.
As Low As; Loan Amount (min/max): $5,000 / $300,000
As Low As; Loan Amount (min/max): $5,000 / $300,000
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
Vehicle Model Years: New Vehicles (2023 - 2026); APR range: 5.50% - 17.99%; Up to 125% LTV / Mileage maximum: 150,000; Rates effective as of 6/30/2026
Model Year: 2019 or Newer
As Low As; Max $100,000; APR range 5.53 - 13.85%
As Low As; Max $100,000; APR range 5.54 - 14.27%
As Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
APR range: 5.59% - 18.00%; Collateral year: 2017-2022; Estimated payment $328.37 at 5.59% APR; Rates effective 9/30/2026
Model Year 2020-2024; Min loan $25,000
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20265.59%▲ from 5.29%
- Sep 30, 20265.29%first recorded
APR Range: 5.60% - 17.99%
APR range: 5.64% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $289.42 at 5.64% APR; Rates effective 9/30/2026
As Low As; as of Oct. 30, 2026; Rates displayed do not include the additional BofA Rewards discount up to 0.50%; Results shown are for VA
As Low As; Purchase / Refi Maximum Loan-to-Value: 125%; Max mileage 150k / 200k Diesel
As Low As; Max $100,000; APR range 5.65 - 14.40%
APR range: 5.69% - 17.99%; Interest rate decreases by .25% if enrolled in credit union automatic payments; Rate increases by 1.0% if vehicle is more than 10 model years old; Rate increases by 1.0% if vehicle mileage is 125,000 or more; Effective Date: Friday, October 23rd, 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
As Low As; Interest Rate As Low As; Terms available
- Oct 9, 20265.69%▲ from 5.54%
- Sep 18, 20265.54%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; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20265.69%▲ from 5.39%
- Sep 30, 20265.39%first recorded
Model Year: 2023 and newer; Minimum loan: $7,500; APR range: 5.69% - 14.29%; Rate discounts may apply; Rates effective as of 07-01-2026
Vehicle model year: 2023 and newer; Minimum loan: $7,500; Rate range: 5.69% - 14.29%; Rates effective as of 07-01-2026; 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score; 79 - 84-month term requires minimum 680 FICO score and $25,000 amount financed
Term: 61 to 72 months (6 years); Vehicles, boats, RV's, ATV's 2017-2027
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
Fixed rate, terms up to 72 months on vehicles up to 10 years old; APR range: 5.74% to 14.74%
As Low As; Models 2017 - 2020; Maximum amount financed up to 110% of NADA average retail including tax and license
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 84 Months
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
APR range: 5.74% - 8.99%; Used vehicles that have been titled or licensed and are 2 years old and older; Rates increase without automatic payment; Rates decrease for hybrid and EV loans; Terms up to 84 months are available based on the age of the vehicle and the dollar amount of the loan
Model Year 2024 or older; APR range: 5.74% - 14.99%
Down payment: 0%
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
As Low As; Auto loan rates starting at
Criteria: 0-10 model years old; APR Range: 5.75% to 17.65%
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
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; Purchase / Refi Maximum Loan-to-Value: 125%; Max mileage 150k / 200k Diesel
As Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
Model Year: 2020-2022; APR range: 5.84% - 11.49% (fixed); Estimated minimum
APR range: 5.84% - 11.49%; Minimum $15,000 loan amount; 84-month term offered on model years 2020-2022 only; Estimated minimum monthly payment based on 84 month, $15,000 loan at 7.54% APR; Rates Effective: 10-29-2026
As Low As; as of Oct. 30, 2026; Rates displayed do not include the additional BofA Rewards discount up to 0.50%; Results shown are for VA
Credit Score: 700-739; Loan Amount: $10,000 - $250,000; Rates assume ACH payment and e-statements
Model Year: 2016 - 2018; Minimum loan: $7,500; APR range: 5.89% - 14.09%; Rate discounts may apply; Rates effective as of 07-01-2026
Model Year: 2019; Minimum loan: $7,500; APR range: 5.89% - 14.09%; Rate discounts may apply; Rates effective as of 07-01-2026
Model Year: 2020; Minimum loan: $7,500; APR range: 5.89% - 14.09%; Rate discounts may apply; Rates effective as of 07-01-2026
Model Year: 2021 - 2022; Minimum loan: $7,500; APR range: 5.89% - 14.29%; Rate discounts may apply; Rates effective as of 07-01-2026
Vehicle model year: 2016 - 2018; Minimum loan: $7,500; Rate range: 5.89% - 14.09%; Rates effective as of 07-01-2026
Vehicle model year: 2019; Minimum loan: $7,500; Rate range: 5.89% - 14.09%; Rates effective as of 07-01-2026
Vehicle model year: 2020; Minimum loan: $7,500; Rate range: 5.89% - 14.09%; Rates effective as of 07-01-2026
Vehicle model year: 2021 - 2022; Minimum loan: $7,500; Rate range: 5.89% - 14.29%; Rates effective as of 07-01-2026
As Low As; Interest Rate As Low As; Terms available
- Oct 9, 20265.94%▲ from 5.79%
- Sep 18, 20265.79%first recorded
Loans over $35K; Vehicles, boats, RV's, ATV's 2017-2027
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
Fixed rate, terms up to 84 months with no more than 12,000 miles; APR range: 5.99% to 14.99%
84 months available under certain conditions; APR range: 5.99% to 14.99%
As Low As; Models 2017 - 2020; Maximum amount financed up to 110% of NADA average retail including tax and license
Model Year 2025 or newer; APR range: 5.99% - 8.74%
Down payment: 20%
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
Credit Rating: A++ / A+ (750+ / 720-749); Floor rate with payroll direct deposit; Add 0.50% per year over 60 months
Term: 61 - 72 months ($15,000 or higher); Vehicle Model Years: New Vehicles (2023 - 2026); Loan amount: $15,000 or higher; APR range: 6.00% - 17.99%; Up to 125% LTV / Mileage maximum: 150,000; Rates effective as of 6/30/2026
As Low As; Auto loan rates starting at
Hoodsport New Auto Auto Loan Rates
As Low As; Rate: As low as 1.99%
SPECIALS!; 7 years or newer model years
- Oct 10, 20263.79%▼ from 3.99%
- Sep 14, 20263.99%first recorded
New vehicle loan
As Low As; 7 model years or newer
As Low As
As Low As; Standard New/Used Auto Rates
APR range: 4.00% - 18%
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%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
As Low As
As Low As; Standard New/Used Auto Rates
APR range: 4.24% - 18.00%; Up to 115% Book Value or purchase price, depending on credit quality.
Vehicle Model Years: New Vehicles (2023 - 2026); APR range: 4.25% - 16.75%; Up to 125% LTV / Mileage maximum: 150,000; Rates effective as of 6/30/2026
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
0% down OAC
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 36 Months
- Oct 26, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
Autos & Trucks, 10 Years Old & Newer; APR Range: 4.49% - 17.99%; OAC (On Approved Credit)
As Low As
As Low As; Standard New/Used Auto Rates
APR Range: 4.50% to 16.75%; 2024 and newer; Loan to value based on MSRP or NADA retail; Payment example: $354.29 a month based on a 5 year, $19,000 loan at 4.50% APR
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.59%▲ from 4.29%
- Sep 30, 20264.29%first recorded
APR range: 4.74% - 17.99%; Rates effective as of February 18, 2026; Actual APR based on credit history and loan term
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
New vehicle loan
New vehicle loan
New vehicle loan; Minimum loan $20,000
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 48 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 60 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Model Year 2025 or newer; APR range: 4.74% - 13.24%
Model year: 2023 and newer; APR range 4.74% - 15.49%
Published APR range: 4.74% - 15.24%. Fixed APR; Extended terms: rate may increase by 0.50% - 2.50% if term is greater than 60 months based on credit score; Mileage: rate may increase by 2.50% - 4.50% for high mileage (not to exceed 150,000) based on credit score; Qualifying loans with 90% LTV or less and credit scores of 650+ may be eligible for a 0.50% rate discount
As Low As
As Low As; Standard New/Used Auto Rates
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
Annual percentage rate (fixed); APR range: 4.99% - 9.44%
APR range: 4.99% - 9.44%; Estimated minimum monthly payment based on 60 month, $15,000 loan at 6.34% APR; Rates Effective: 10-29-2026
Model Year 2025 or newer; APR range: 4.99% - 14.24%
Down payment: 20%
As Low As; Loan Amount (min/max): $1,000 / $300,000; Open Account
Credit Rating: A++ / A+ (750+ / 720-749); Floor rate with payroll direct deposit; Add 0.50% per year over 60 months
Vehicle Model Years: New Vehicles (2023 - 2026); APR range: 5.00% - 17.50%; Up to 125% LTV / Mileage maximum: 150,000; Rates effective as of 6/30/2026
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
New vehicle loan; Minimum loan $25,000
Term: Up to 48 months (4 years); Vehicles, boats, RV's, ATV's 2017-2027
Rate range: 5.220% to 17.470% APR; rate varies based on term; Purchase New Vehicles: Up to 125% LTV of NADA, MSRP Value or purchase price whichever is less; Purchase Used Vehicles: Up to 125% LTV of NADA Average Retail value or purchase price whichever is less; Refinance: Up to 100% LTV (cash out) of NADA Avg Retail value; Maximum loan not to exceed 125% LTV of MSRP or NADA value including taxes, license, GAP and extended warranty
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 72 Months
Annual percentage rate (fixed); APR range: 5.24% - 9.89%
APR range: 5.24% - 9.89%; Estimated minimum monthly payment based on 72 month, $15,000 loan at 6.59% APR; Rates Effective: 10-29-2026
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
Model Year 2025 or newer; APR range: 5.24% - 13.74%
Criteria: 0-10 model years old; APR Range: 5.24% to 17.15%
As Low As; California Registered Vehicles ONLY. Out-of-state dealer purchase available (upon approval). New vehicle loans are for the current or next year model with 10,000 miles or under.
Credit Rating: A (700-719); Floor rate with payroll direct deposit; Add 0.50% per year over 60 months
As Low As; Max $100,000; APR range 5.30 - 13.60%
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; Max $100,000; APR range 5.43 - 13.73%
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
Term: 49 to 60 months (5 years); Vehicles, boats, RV's, ATV's 2017-2027
Fixed rate, terms up to 72 months with no more than 12,000 miles; APR range: 5.49% to 14.49%
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
0% down OAC
Annual percentage rate (fixed); APR range: 5.49% - 10.14%
APR range: 5.49% - 10.14%; Minimum $15,000 loan amount; Estimated minimum monthly payment based on 84 month, $15,000 loan at 7.04% APR; Rates Effective: 10-29-2026
Credit Score: 700-739; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.49% - 8.74%; New vehicles have never been titled or licensed and used vehicles up to 1 year old; Rates increase without automatic payment; Rates decrease for hybrid and EV loans; Terms up to 84 months are available based on the age of the vehicle and the dollar amount of the loan
Model Year 2025 or newer; APR range: 5.49% - 14.74%
Down payment: 10%
As Low As
As Low As; Standard New/Used Auto Rates
As Low As; California Registered Vehicles ONLY. Out-of-state dealer purchase available (upon approval). New vehicle loans are for the current or next year model with 10,000 miles or under.
As Low As; Loan Amount (min/max): $5,000 / $300,000
Vehicle Model Years: New Vehicles (2023 - 2026); APR range: 5.50% - 17.99%; Up to 125% LTV / Mileage maximum: 150,000; Rates effective as of 6/30/2026
Model Year: 2019 or Newer
As Low As; Max $100,000; APR range 5.53 - 13.85%
As Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
APR range: 5.64% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $289.42 at 5.64% APR; Rates effective 9/30/2026
As Low As; as of Oct. 30, 2026; Rates displayed do not include the additional BofA Rewards discount up to 0.50%; Results shown are for VA
APR range: 5.69% - 17.99%; Interest rate decreases by .25% if enrolled in credit union automatic payments; Rate increases by 1.0% if vehicle is more than 10 model years old; Rate increases by 1.0% if vehicle mileage is 125,000 or more; Effective Date: Friday, October 23rd, 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: 2023 and newer; Minimum loan: $7,500; APR range: 5.69% - 14.29%; Rate discounts may apply; Rates effective as of 07-01-2026
Vehicle model year: 2023 and newer; Minimum loan: $7,500; Rate range: 5.69% - 14.29%; Rates effective as of 07-01-2026; 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score; 79 - 84-month term requires minimum 680 FICO score and $25,000 amount financed
Term: 61 to 72 months (6 years); Vehicles, boats, RV's, ATV's 2017-2027
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 84 Months
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
Down payment: 0%
As Low As; Auto loan rates starting at
Criteria: 0-10 model years old; APR Range: 5.75% to 17.65%
Credit Score: 700-739; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
Credit Score: 700-739; Loan Amount: $10,000 - $250,000; Rates assume ACH payment and e-statements
Loans over $35K; Vehicles, boats, RV's, ATV's 2017-2027
Fixed rate, terms up to 84 months with no more than 12,000 miles; APR range: 5.99% to 14.99%
Model Year 2025 or newer; APR range: 5.99% - 8.74%
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
Term: 61 - 72 months ($15,000 or higher); Vehicle Model Years: New Vehicles (2023 - 2026); Loan amount: $15,000 or higher; APR range: 6.00% - 17.99%; Up to 125% LTV / Mileage maximum: 150,000; Rates effective as of 6/30/2026
As Low As; Auto loan rates starting at
Hoodsport Used Auto Auto Loan Rates
Rate range: 1.99% to 8.75%
- Oct 1, 20261.99%▼ from 8.75%
- Sep 18, 20268.75%▲ from 1.99%
- Sep 14, 20261.99%first recorded
SPECIALS!; 7 years or newer model years
- Oct 10, 20263.79%▼ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; 7 model years or newer
As Low As
As Low As; Standard New/Used Auto Rates
Model Year 2020-2024
As Low As
As Low As; Standard New/Used Auto Rates
APR range: 4.24% - 18.00%; Up to 115% Book Value or purchase price, depending on credit quality.
up to 10 years old; 0% down OAC
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 36 Months
- Oct 26, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As
As Low As; Standard New/Used Auto Rates
APR Range: 4.50% to 16.75%; 2023 and older; Loan to value based on NADA retail; Payment example: $186.47 a month based on a 5 year, $10,000 loan at 4.50% APR
APR range: 4.74% - 17.99%; Rates effective as of February 18, 2026; Actual APR based on credit history and loan term
As Low As; APR range 4.74% - 16.75%
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 48 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 60 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Published APR range: 4.74% - 15.24%. Fixed APR; Extended terms: rate may increase by 0.50% - 2.50% if term is greater than 60 months based on credit score; Mileage: rate may increase by 2.50% - 4.50% for high mileage (not to exceed 150,000) based on credit score; Qualifying loans with 90% LTV or less and credit scores of 650+ may be eligible for a 0.50% rate discount
As Low As
As Low As; Standard New/Used Auto Rates
APR Range: 4.85% - 17.35%
Model Year 2024 or older; APR range: 4.99% - 13.49%
As Low As; Loan Amount (min/max): $1,000 / $300,000; Open Account
APR range: 5.00% - 18%
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20265.09%▲ from 4.79%
- Sep 30, 20264.79%first recorded
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%; Estimated minimum monthly payment based on 60 month, $15,000 loan at 6.64% APR; Rates Effective: 10-29-2026
Model Year 2020-2024
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Term: Up to 48 months (4 years); Vehicles, boats, RV's, ATV's 2017-2027
Rate range: 5.220% to 17.470% APR; rate varies based on term; Purchase New Vehicles: Up to 125% LTV of NADA, MSRP Value or purchase price whichever is less; Purchase Used Vehicles: Up to 125% LTV of NADA Average Retail value or purchase price whichever is less; Refinance: Up to 100% LTV (cash out) of NADA Avg Retail value; Maximum loan not to exceed 125% LTV of MSRP or NADA value including taxes, license, GAP and extended warranty
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; Up to 120% Financing on Approved Credit; Term (up to) 72 Months
Model Year 2024 or older; APR range: 5.24% - 14.49%
Model year: 2022 and older; APR range 5.24% - 15.24%
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
Model Year 2020-2024
Model Year 2020-2024; Min loan $20,000
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%; 72-month term for model years 2016-2019 requires minimum $12,000 loan amount; Estimated minimum monthly payment based on 72 month, $15,000 loan at 6.89% APR; Rates Effective: 10-29-2026
As Low As; Max $100,000; APR range 5.40 - 14.14%
Term: 49 to 60 months (5 years); Vehicles, boats, RV's, ATV's 2017-2027
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; Models 2017 - 2020; Maximum amount financed up to 110% of NADA average retail including tax and license
up to 10 years old; 0% down OAC
Model Year 2024 or older; APR range: 5.49% - 13.99%
As Low As
As Low As; Standard New/Used Auto Rates
As Low As; Loan Amount (min/max): $5,000 / $300,000
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; Max $100,000; APR range 5.54 - 14.27%
APR range: 5.59% - 18.00%; Collateral year: 2017-2022; Estimated payment $328.37 at 5.59% APR; Rates effective 9/30/2026
Model Year 2020-2024; Min loan $25,000
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20265.59%▲ from 5.29%
- Sep 30, 20265.29%first recorded
APR Range: 5.60% - 17.99%
As Low As; Max $100,000; APR range 5.65 - 14.40%
APR range: 5.69% - 17.99%; Interest rate decreases by .25% if enrolled in credit union automatic payments; Rate increases by 1.0% if vehicle is more than 10 model years old; Rate increases by 1.0% if vehicle mileage is 125,000 or more; Effective Date: Friday, October 23rd, 2026
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20265.69%▲ from 5.39%
- Sep 30, 20265.39%first recorded
Term: 61 to 72 months (6 years); Vehicles, boats, RV's, ATV's 2017-2027
Fixed rate, terms up to 72 months on vehicles up to 10 years old; APR range: 5.74% to 14.74%
As Low As; Models 2017 - 2020; Maximum amount financed up to 110% of NADA average retail including tax and license
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 84 Months
APR range: 5.74% - 8.99%; Used vehicles that have been titled or licensed and are 2 years old and older; Rates increase without automatic payment; Rates decrease for hybrid and EV loans; Terms up to 84 months are available based on the age of the vehicle and the dollar amount of the loan
Model Year 2024 or older; APR range: 5.74% - 14.99%
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
As Low As; Auto loan rates starting at
APR range: 5.79% - 18.00%; Collateral year: 2017-2022; Estimated payment $290.87 at 5.79% APR; Rates effective 9/30/2026
Model Year: 2020-2022; APR range: 5.84% - 11.49% (fixed); Estimated minimum
APR range: 5.84% - 11.49%; Minimum $15,000 loan amount; 84-month term offered on model years 2020-2022 only; Estimated minimum monthly payment based on 84 month, $15,000 loan at 7.54% APR; Rates Effective: 10-29-2026
As Low As; as of Oct. 30, 2026; Rates displayed do not include the additional BofA Rewards discount up to 0.50%; Results shown are for VA
Loans over $35K; Vehicles, boats, RV's, ATV's 2017-2027
84 months available under certain conditions; APR range: 5.99% to 14.99%
As Low As; Models 2017 - 2020; Maximum amount financed up to 110% of NADA average retail including tax and license
Down payment: 20%
Credit Rating: A++ / A+ (750+ / 720-749); Floor rate with payroll direct deposit; Add 0.50% per year over 60 months
As Low As; Auto loan rates starting at
Hoodsport, WA Auto Loan Rate Trends
Compare local Hoodsport, 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 rose 0.100 points over the past 7 days to 5.464% APR.
Washington used auto rates rose 0.022 points over the past 7 days to 5.761% APR.
Hoodsport, WA 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 Washington 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 Washington 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 @ 5.46% APR WA average | Used Auto @ 5.76% APR WA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.27/mo | $288.33/mo | $2.06/mo |
| $25,000 | $477.11/mo | $480.55/mo | $3.44/mo |
| $35,000 | $667.96/mo | $672.77/mo | $4.81/mo |
| $45,000 | $858.80/mo | $864.99/mo | $6.19/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 Hoodsport, Washington
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Hoodsport, Washington 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 Washington. 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 Hoodsport, Washington 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: Hoodsport, Washington CD rates lock in a guaranteed return until you’re ready to buy
Washington Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $573 monthly car payment works out to roughly 12.6% of the median individual income in Washington. 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 Hoodsport, Washington, 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 Hoodsport, Washington. We’ve prefilled the APR with today’s WA 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 Hoodsport, 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 Hoodsport, 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 Hoodsport, 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.
Bad Credit Auto Loans in Hoodsport, Washington
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 Hoodsport, Washington
What are auto loan rates in Hoodsport, Washington today?
How does my credit score affect my car loan rate in Hoodsport, 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?
Should I get preapproved for an auto loan before visiting a dealer in Hoodsport, Washington?
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 Hoodsport, Washington?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Hoodsport, Washington?
- Longshoremen's Local 4 Federal Credit Union: 1.99% (New vehicle)
- Responders Emergency Services Credit Union: 3.79% (New & Used Automobiles)
- Delta Schools Federal Credit Union: 3.99% (New Vehicles Model Year 2025-2026 Loan)
- Spokane City Credit Union: 3.99% (Autos and Motorcycles)
- EvergreenDIRECT Credit Union: 3.99% (New/Used Auto Loan - 36 Months)
Hoodsport, Washington Rates & Resources
