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Littlerock, Washington Best Auto Loan Rates - August 2026

Current auto loan rates in Littlerock, Washington include LONGSHOREMENS LOCAL 4LONGSHOREMENS LOCAL 4A+5.0 ★Texas Ratio: 0.85% offering New vehicle Loan at 1.99%, Responders Emergency Services Credit UnionResponders Emergency Services Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New & Used Automobiles at 3.79%, 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%, NW Priority Credit UnionNW Priority Credit UnionA+5.0 ★Texas Ratio: 0.71% offering Purchase New Auto or Refinance at 3.99%, Progressions Credit UnionProgressions Credit UnionA+5.0 ★Texas Ratio: 1.00% offering AUTOS & TRUCKS at 3.99%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.

Littlerock borrowers have access to 44 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 Littlerock, Washington. Auto Loan Rates Last Updated and Verified: August 28, 2026

Compare Auto Loan Rates Today in Littlerock, Washington & Surrounding Area

Littlerock Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New vehicle Loan
1.99%
Up to 84 months
APR1.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

As low as

LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used vehicle (1-2 years old) Loan
1.99%
Up to 84 months
APR1.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles
3.79%
36 months
APR3.79%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As; SPECIALS!

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles and Street Motorcycles
3.79%
36 months
APR3.79%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As; depending on loan amount

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
3.99%
36 Months
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Purchase New Auto or Refinance
3.99%
2025 and Newer
APR3.99%
Term2025 and Newer
Last UpdatedAug 28, 2026
Details

Progressions Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
AUTOS & TRUCKS
3.99%
up to 96 months
APR3.99%
Termup to 96 months
Last UpdatedAug 28, 2026
Details

2019 Model year or newer

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles
3.99%
48 months
APR3.99%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As; SPECIALS!

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
3.99%
36 Months
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Auto
4.00%
up to 84 months
APR4.00%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
4.19%
36 Months
APR4.19%
Term36 Months
Last UpdatedAug 28, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
New Vehicles Loan
4.24%
36-84 months
APR4.24%
Term36-84 months
Last UpdatedAug 28, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.24%
24 Months
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
4.24%
2016 - 2024
APR4.24%
Term2016 - 2024
Last UpdatedAug 28, 2026
Details

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.24%
48 Months
APR4.24%
Term48 Months
Last UpdatedAug 28, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
4.25%
0 - 36 months
APR4.25%
Term0 - 36 months
Last UpdatedAug 28, 2026
Details

Up to 125% LTV/Mileage maximum: 150,000

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Autos
4.25%
Up to 96 Months
APR4.25%
TermUp to 96 Months
Last UpdatedAug 28, 2026
Details

As Low As

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New Cars Loan
4.49%
up to 72 months
APR4.49%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

0% down OAC

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Used Cars Loan
4.49%
up to 72 months
APR4.49%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

up to 10 years old; 0% down OAC

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.49%
48 Months
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles
4.49%
36-72 months
APR4.49%
Term36-72 months
Last UpdatedAug 28, 2026
Details

As Low As; For new and used vehicles.

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.49%
60 Months
APR4.49%
Term60 Months
Last UpdatedAug 28, 2026
Details

MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
New Auto
4.50%
Up to 84-month term available
APR4.50%
TermUp to 84-month term available
Last UpdatedAug 28, 2026
Details

2024 and newer. Loan to value based on MSRP or NADA retail.

MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
Used Auto
4.50%
Up to 84-month term available
APR4.50%
TermUp to 84-month term available
Last UpdatedAug 28, 2026
Details

2023 and older. Loan to value based on NADA retail.

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles
4.69%
36-60 months
APR4.69%
Term36-60 months
Last UpdatedAug 28, 2026
Details

As Low As; For new and used vehicles.

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
4.74%
4 years / 48 months
APR4.74%
Term4 years / 48 months
Last UpdatedAug 28, 2026
Details

As Low As

WestEdge Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.57%
Vehicles & Motorcycles Loan
4.74%
Up to 108 months
APR4.74%
TermUp to 108 months
Last UpdatedAug 28, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
4.74%
72 Months
APR4.74%
Term72 Months
Last UpdatedAug 28, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Auto loans
4.74%
Up to 84 months
APR4.74%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
4.74%
60 months
APR4.74%
Term60 months
Last UpdatedAug 28, 2026
Details

Columbia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
Auto Loan
4.74%
up to 84 months
APR4.74%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Offer available from August 20 - September 8 only. Refinances of current Columbia Credit Union loans are not eligible for this promotion. Rates range from 4.74% to 13.99% APR. Payment example: If you borrow $20,000 for 60 months at 4.74% APR, your monthly payment would be $375.05. Refinancing your vehicle loan from another lender: we will give you the lowest of either a) your Columbia CU qualifying APR or; b) up to 1.00% APR or ? your current lender's APR down to our floor of 4.74% APR. Lowest APRs include Checking Relationship Plan discount which provides a qualifying rate discount of 0.25% APR for automatic loan payments from Columbia CU checking. Within 60 days of loan closing, automatic payments can be set up via an automatic transfer from your Columbia CU consumer checking account to your loan with the assistance of a Columbia CU representative via phone or by visiting your local branch.

Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Autos
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedAug 28, 2026
Details

Rate assumes a .50% discount on the APR for having your entire payroll deposited into your Spokane Firefighters Credit Union checking account. Rate stated is the lowest possible rate and will vary depending on credit score, term, loan to value, and age of collateral. Lowest possible rate is for loans with terms of 48 months or less, with .25% being added for each year up to 84 months. Example: for cars and trucks 2025 and newer, the lowest possible rate for 48 months is 4.74%, 60 months is 4.99%, 72 months 5.24%, 84 months is 5.49%.

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
New Auto
4.74%
up to 84 months
APR4.74%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New or Used Auto
4.74%
up to 84 Months
APR4.74%
Termup to 84 Months
Last UpdatedAug 28, 2026
Details

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.75%
72 Months
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
4.85%
0 - 36 months
APR4.85%
Term0 - 36 months
Last UpdatedAug 28, 2026
Details

Up to 100% LTV/Mileage maximum: 150,000

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
4.85%
60 Month Term
APR4.85%
Term60 Month Term
Last UpdatedAug 28, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
4.99%
5 years / 60 months
APR4.99%
Term5 years / 60 months
Last UpdatedAug 28, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.99%
72 Months
APR4.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business New auto (2023 and newer)
4.99%
36-60 months
APR4.99%
Term36-60 months
Last UpdatedAug 28, 2026
Details

OnPoint Business Rewards: 0.25% discount off the stated APR for new and used auto loans. Discount cannot be applied retroactively. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off the stated APR.

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
4.99%
72 months
APR4.99%
Term72 months
Last UpdatedAug 28, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2024 or older Loan
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Autos
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Rate assumes a .50% discount on the APR for having your entire payroll deposited into your Spokane Firefighters Credit Union checking account. Rate stated is the lowest possible rate and will vary depending on credit score, term, loan to value, and age of collateral. Lowest possible rate is for loans with terms of 48 months or less, with .25% being added for each year up to 84 months. Example: for cars and trucks 2025 and newer, the lowest possible rate for 48 months is 4.74%, 60 months is 4.99%, 72 months 5.24%, 84 months is 5.49%.

IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
Used Auto
5.00%
up to 84 months
APR5.00%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
5.00%
37 - 48 months
APR5.00%
Term37 - 48 months
Last UpdatedAug 28, 2026
Details

Up to 125% LTV/Mileage maximum: 150,000

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.04%
36 months
APR5.04%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer) - Up to 36 months
5.04%
Up to 36 months
APR5.04%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Minimum Loan Amount: $500

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
5.10%
72 Month Term
APR5.10%
Term72 Month Term
Last UpdatedAug 28, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Used Auto Loans (Cars, trucks & vans)
5.14%
36-60 month
APR5.14%
Term36-60 month
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.14%
36 - 60 months
APR5.14%
Term36 - 60 months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business Used auto (2016-2022)
5.14%
36-60 months
APR5.14%
Term36-60 months
Last UpdatedAug 28, 2026
Details

OnPoint Business Rewards: 0.25% discount off the stated APR for new and used auto loans. Discount cannot be applied retroactively. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off the stated APR.

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
5.19%
84 Months
APR5.19%
Term84 Months
Last UpdatedAug 28, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.19%
48 Months
APR5.19%
Term48 Months
Last UpdatedAug 28, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 0 - 36 Months
5.21%
36 Months
APR5.21%
Term36 Months
Last UpdatedAug 28, 2026
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles Loan
5.22%
1 to 84 Months
APR5.22%
Term1 to 84 Months
Last UpdatedAug 28, 2026
Details

rate will vary based on term. Purchase New Vehicles: Up to 125% Loan to Value (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.

Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Autos (2021-2026)
5.24%
48 Months
APR5.24%
Term48 Months
Last UpdatedAug 28, 2026
Details

100% MSRP or High KBB

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
5.24%
6 years / 72 months
APR5.24%
Term6 years / 72 months
Last UpdatedAug 28, 2026
Details

As Low As

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
Used Vehicles Loan
5.24%
36-84 months
APR5.24%
Term36-84 months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business New auto (2023 and newer)
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedAug 28, 2026
Details

OnPoint Business Rewards: 0.25% discount off the stated APR for new and used auto loans. Discount cannot be applied retroactively. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off the stated APR.

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer) - 37-60 months
5.24%
60 Months
APR5.24%
Term60 Months
Last UpdatedAug 28, 2026
Details

Minimum Loan Amount: $5,000

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles: Model Year 2025 or newer Loan
5.24%
60 months
APR5.24%
Term60 months
Last UpdatedAug 28, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2024 or older Loan
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedAug 28, 2026
Details

Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Autos
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedAug 28, 2026
Details

Rate assumes a .50% discount on the APR for having your entire payroll deposited into your Spokane Firefighters Credit Union checking account. Rate stated is the lowest possible rate and will vary depending on credit score, term, loan to value, and age of collateral. Lowest possible rate is for loans with terms of 48 months or less, with .25% being added for each year up to 84 months. Example: for cars and trucks 2025 and newer, the lowest possible rate for 48 months is 4.74%, 60 months is 4.99%, 72 months 5.24%, 84 months is 5.49%.

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New Auto
5.24%
Up to 60 mos.
APR5.24%
TermUp to 60 mos.
Last UpdatedAug 28, 2026
Details

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
Used Auto
5.24%
up to 72 months
APR5.24%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Low-Speed Vehicle Loan
5.24%
60 months or less
APR5.24%
Term60 months or less
Last UpdatedAug 28, 2026
Details

APR as low as

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.29%
60 Months
APR5.29%
Term60 Months
Last UpdatedAug 28, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 min loan
5.29%
72 Months
APR5.29%
Term72 Months
Last UpdatedAug 28, 2026
Details

$20,000

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.30%
48 months
APR5.30%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.30%
up to 60 months
APR5.30%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

$100,000

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
5.30%
60 months
APR5.30%
Term60 months
Last UpdatedAug 28, 2026
Details

Example payment calculation: $35,000 loan at 5.3% APR for 60 months results in a monthly payment of around $665.

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.34%
Up to 60 months
APR5.34%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer) - 61-66 months
5.34%
66 Months
APR5.34%
Term66 Months
Last UpdatedAug 28, 2026
Details

Minimum Loan Amount: $6,000

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Used Auto Loans (Cars, trucks & vans)
5.39%
72 months
APR5.39%
Term72 months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.39%
72 months
APR5.39%
Term72 months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business Used auto (2016-2022)
5.39%
72 months
APR5.39%
Term72 months
Last UpdatedAug 28, 2026
Details

OnPoint Business Rewards: 0.25% discount off the stated APR for new and used auto loans. Discount cannot be applied retroactively. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off the stated APR. Used Auto 72-month term for model years 2016-2019 requires a minimum $12,000 loan amount.

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.40%
up to 60 months
APR5.40%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

$100,000

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.43%
61 - 72 months
APR5.43%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

$100,000

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.44%
61 - 72 months
APR5.44%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Vehicle Loan (2022 & Newer)
5.44%
up to 60 months
APR5.44%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer) - 67-75 months
5.44%
75 Months
APR5.44%
Term75 Months
Last UpdatedAug 28, 2026
Details

Minimum Loan Amount: $10,000

Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Autos (2016-2020)
5.49%
48 Months
APR5.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

Financing: 100% High KBB

Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Autos (2021-2026)
5.49%
60 Months
APR5.49%
Term60 Months
Last UpdatedAug 28, 2026
Details

100% MSRP or High KBB

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.49%
Up to 60 months
APR5.49%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto/Truck Loan
5.49%
up to 72 months
APR5.49%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

Fixed rate, with no more than 12,000 miles.

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
5.49%
7 years / 84 months
APR5.49%
Term7 years / 84 months
Last UpdatedAug 28, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.49%
4 years / 48 months
APR5.49%
Term4 years / 48 months
Last UpdatedAug 28, 2026
Details

As Low As

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New Cars Loan
5.49%
up to 73 - 84 months
APR5.49%
Termup to 73 - 84 months
Last UpdatedAug 28, 2026
Details

0% down OAC

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Used Cars Loan
5.49%
up to 73 - 84 months
APR5.49%
Termup to 73 - 84 months
Last UpdatedAug 28, 2026
Details

up to 10 years old; 0% down OAC

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
5.49%
84 Months
APR5.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Vehicle Loan (2022 & Newer)
5.49%
up to 72 months
APR5.49%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business New auto (2023 and newer)
5.49%
84 months
APR5.49%
Term84 months
Last UpdatedAug 28, 2026
Details

OnPoint Business Rewards: 0.25% discount off the stated APR for new and used auto loans. Discount cannot be applied retroactively. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off the stated APR. Used Auto 72-month term for model years 2016-2019 requires a minimum $12,000 loan amount. New and Used Auto 84-month term requires a minimum $15,000 loan amount. Used Auto 84-month term is offered on model years 2020-2022 only.

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer) - 76-84 months
5.49%
84 Months
APR5.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

Minimum Loan Amount: $15,000

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
New vehicles Loan
5.49%
Up to 84 months
APR5.49%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Rates increase without automatic payment; Rates decrease for hybrid and EV loans.

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles: Model Year 2025 or newer Loan
5.49%
72 months
APR5.49%
Term72 months
Last UpdatedAug 28, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles: Model Year 2024 or older Loan
5.49%
60 months
APR5.49%
Term60 months
Last UpdatedAug 28, 2026
Details

Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Autos
5.49%
84 months
APR5.49%
Term84 months
Last UpdatedAug 28, 2026
Details

Rate assumes a .50% discount on the APR for having your entire payroll deposited into your Spokane Firefighters Credit Union checking account. Rate stated is the lowest possible rate and will vary depending on credit score, term, loan to value, and age of collateral. Lowest possible rate is for loans with terms of 48 months or less, with .25% being added for each year up to 84 months. Example: for cars and trucks 2025 and newer, the lowest possible rate for 48 months is 4.74%, 60 months is 4.99%, 72 months 5.24%, 84 months is 5.49%.

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
5.49%
84 Months
APR5.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Low-Speed Vehicle Loan
5.49%
61 - 72 months
APR5.49%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

APR as low as

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Auto Loan
5.50%
3 years
APR5.50%
Term3 years
Last UpdatedAug 28, 2026
Details

As Low As; 4.50%

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
5.50%
49 - 60 months
APR5.50%
Term49 - 60 months
Last UpdatedAug 28, 2026
Details

Up to 125% LTV/Mileage maximum: 150,000

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.53%
*73 - 84 months
APR5.53%
Term*73 - 84 months
Last UpdatedAug 28, 2026
Details

$100,000

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.54%
36 months
APR5.54%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.54%
61 - 72 months
APR5.54%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

$100,000

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.59%
61 - 72 months
APR5.59%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 min loan
5.59%
84 Months
APR5.59%
Term84 Months
Last UpdatedAug 28, 2026
Details

$25,000

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
5.60%
37 - 48 months
APR5.60%
Term37 - 48 months
Last UpdatedAug 28, 2026
Details

Up to 100% LTV/Mileage maximum: 150,000

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.62%
60 months
APR5.62%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.64%
73 - 84 months
APR5.64%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.65%
*73 - 84 months
APR5.65%
Term*73 - 84 months
Last UpdatedAug 28, 2026
Details

$100,000

Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New & Used Vehicles Loan
5.69%
Up to 84 months
APR5.69%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Autos (2016-2020)
5.74%
60 Months
APR5.74%
Term60 Months
Last UpdatedAug 28, 2026
Details

Financing: 100% High KBB

Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Autos (2021-2026)
5.74%
72 Months
APR5.74%
Term72 Months
Last UpdatedAug 28, 2026
Details

100% MSRP or High KBB

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Used Auto/Truck Loan
5.74%
up to 72 months
APR5.74%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

Fixed rate, on vehicles up to 10 years old.

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.74%
5 years / 60 months
APR5.74%
Term5 years / 60 months
Last UpdatedAug 28, 2026
Details

As Low As

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Used vehicles Loan
5.74%
Up to 84 months
APR5.74%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Rates increase without automatic payment; Rates decrease for hybrid and EV loans.

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Sport Vehicles: Off Road, ATV, etc. Loan
5.74%
60 months
APR5.74%
Term60 months
Last UpdatedAug 28, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles: Model Year 2024 or older Loan
5.74%
72 months
APR5.74%
Term72 months
Last UpdatedAug 28, 2026
Details

Express Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Auto Loan (2024 & Newer) - Includes EV loans
5.74%
5 year
APR5.74%
Term5 year
Last UpdatedAug 28, 2026
Details

Includes EV loans; Personal and auto loan rates include a .25% discount for auto-pay.

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto Loan
5.74%
36 months
APR5.74%
Term36 months
Last UpdatedAug 28, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Auto Loan
5.75%
5 years
APR5.75%
Term5 years
Last UpdatedAug 28, 2026
Details

As Low As; 4.75%

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Auto Loans
5.75%
3 years
APR5.75%
Term3 years
Last UpdatedAug 28, 2026
Details

As Low As; 4.75%

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loan
5.75%
24 - 48 months
APR5.75%
Term24 - 48 months
Last UpdatedAug 28, 2026
Details

As Low As; Interest Rate

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New Auto
5.75%
61-72 mos.
APR5.75%
Term61-72 mos.
Last UpdatedAug 28, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 37 - 48 Months
5.77%
48 Months
APR5.77%
Term48 Months
Last UpdatedAug 28, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.79%
73 - 84 months
APR5.79%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Vehicle Loan (2018-2021)
5.79%
up to 60 months
APR5.79%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.80%
48 months
APR5.80%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.84%
84 months
APR5.84%
Term84 months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business Used auto (2016-2022)
5.84%
84 months
APR5.84%
Term84 months
Last UpdatedAug 28, 2026
Details

OnPoint Business Rewards: 0.25% discount off the stated APR for new and used auto loans. Discount cannot be applied retroactively. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off the stated APR. Used Auto 72-month term for model years 2016-2019 requires a minimum $12,000 loan amount. New and Used Auto 84-month term requires a minimum $15,000 loan amount. Used Auto 84-month term is offered on model years 2020-2022 only.

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 49 - 60 Months
5.93%
60 Months
APR5.93%
Term60 Months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car purchase Loan
5.94%
60 months
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car rate Loan
5.94%
60 months
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car purchase Loan
5.99%
60 months
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car rate Loan
5.99%
60 months
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.

Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Autos (2016-2020)
5.99%
72 Months
APR5.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Financing: 100% High KBB

Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Autos (2021-2026)
5.99%
84 Months
APR5.99%
Term84 Months
Last UpdatedAug 28, 2026
Details

100% MSRP or High KBB

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto/Truck Loan
5.99%
up to 84 months
APR5.99%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Fixed rate, with no more than 12,000 miles.

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Used Auto/Truck Loan
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedAug 28, 2026
Details

Fixed rate, available under certain conditions.

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.99%
6 years / 72 months
APR5.99%
Term6 years / 72 months
Last UpdatedAug 28, 2026
Details

As Low As

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 61 - 72 Months
5.99%
72 Months
APR5.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Vehicle Loan (2022 & Newer)
5.99%
up to 84 months
APR5.99%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
5.99%
2015 and Older
APR5.99%
Term2015 and Older
Last UpdatedAug 28, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedAug 28, 2026
Details

Express Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Car Loan (2023-1999) - Includes EV loans
5.99%
5 year
APR5.99%
Term5 year
Last UpdatedAug 28, 2026
Details

Includes EV loans; Personal and auto loan rates include a .25% discount for auto-pay.

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto Loan
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedAug 28, 2026
Details

Vehicle Age: 2020+; Loan Amount: $15,000+

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
5.99%
36 months
APR5.99%
Term36 months
Last UpdatedAug 28, 2026
Details

Vehicle Age: 2015 - 2019

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Auto Loan
6.00%
6 years
APR6.00%
Term6 years
Last UpdatedAug 28, 2026
Details

As Low As; 5.00%

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Auto Loans
6.00%
5 years
APR6.00%
Term5 years
Last UpdatedAug 28, 2026
Details

As Low As; 5.00%

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
6.00%
61 - 72 months
APR6.00%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

Up to 125% LTV/Mileage maximum: 150,000

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loan
6.00%
60 - 72 months
APR6.00%
Term60 - 72 months
Last UpdatedAug 28, 2026
Details

As Low As; Interest Rate

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
6.04%
72 months
APR6.04%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
6.10%
49 - 60 months months
APR6.10%
Term49 - 60 months months
Last UpdatedAug 28, 2026
Details

Up to 100% LTV/Mileage maximum: 150,000

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.12%
60 months
APR6.12%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
6.18%
84 months
APR6.18%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Vehicle Loan (2018-2021)
6.19%
up to 72 months
APR6.19%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Autos (2016-2020)
6.24%
84 Months
APR6.24%
Term84 Months
Last UpdatedAug 28, 2026
Details

Financing: 100% High KBB

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
6.24%
7 years / 84 months
APR6.24%
Term7 years / 84 months
Last UpdatedAug 28, 2026
Details

As Low As

Rivermark Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.94%
Auto Loans: 2022 and Newer - Up to 76 Months
6.24%
Up to 76 Months
APR6.24%
TermUp to 76 Months
Last UpdatedAug 28, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
6.24%
84 months
APR6.24%
Term84 months
Last UpdatedAug 28, 2026
Details

Vehicle Age: 2015 - 2019

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Low-Speed Vehicle Loan
6.24%
60 months or less
APR6.24%
Term60 months or less
Last UpdatedAug 28, 2026
Details

APR as low as

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 months
APR6.25%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Auto Loan
6.25%
7 years
APR6.25%
Term7 years
Last UpdatedAug 28, 2026
Details

As Low As; 5.25%

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Auto Loans
6.25%
6 years
APR6.25%
Term6 years
Last UpdatedAug 28, 2026
Details

As Low As; 5.25%

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New Auto
6.25%
73-84 mos.
APR6.25%
Term73-84 mos.
Last UpdatedAug 28, 2026
Details

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
Used Auto
6.34%
Up to 60 mos.
APR6.34%
TermUp to 60 mos.
Last UpdatedAug 28, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 months
APR6.49%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As

Rivermark Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.94%
Auto Loans: 2021 and Older - Up to 76 Months
6.49%
Up to 76 Months
APR6.49%
TermUp to 76 Months
Last UpdatedAug 28, 2026
Details

Rivermark Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.94%
Auto Loans: 2022 and Newer - Up to 88 Months
6.49%
Up to 88 Months
APR6.49%
TermUp to 88 Months
Last UpdatedAug 28, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles: Model Year 2025 or newer Loan
6.49%
84 months
APR6.49%
Term84 months
Last UpdatedAug 28, 2026
Details

Progressions Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
AUTOS & TRUCKS
6.49%
up to 78 months
APR6.49%
Termup to 78 months
Last UpdatedAug 28, 2026
Details

2016 - 2018 Model years

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Low-Speed Vehicle Loan
6.49%
61 - 72 months
APR6.49%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

APR as low as

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
6.50%
73 - 84 months
APR6.50%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

Up to 125% LTV/Mileage maximum: 150,000

People's Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
6.50%
61+ Months
APR6.50%
Term61+ Months
Last UpdatedAug 28, 2026
Details

Model Years 2023 or Newer (Includes Tax and License)

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Car Loan
6.50%
up to 84 months
APR6.50%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.54%
72 months
APR6.54%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Vehicle Loan (2018-2021)
6.54%
up to 84 months
APR6.54%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
6.60%
61 - 72 months
APR6.60%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

Up to 100% LTV/Mileage maximum: 150,000

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 73 - 84 months
6.61%
84 Months
APR6.61%
Term84 Months
Last UpdatedAug 28, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.68%
84 months
APR6.68%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 months
APR6.71%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

Rivermark Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.94%
Auto Loans: 2021 and Older - Up to 88 Months
6.74%
Up to 88 Months
APR6.74%
TermUp to 88 Months
Last UpdatedAug 28, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto Loan
6.74%
60 months
APR6.74%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As; Vehicle Age 2023 +

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Older Used Cars Loan
6.99%
up to 72 months
APR6.99%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

11-18 years old; requires 10% down

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Classic Used Vehicles Model Year 1972 and Older Loan
6.99%
36 Months
APR6.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
6.99%
60 months
APR6.99%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As; Vehicle Age 2015 - 2022

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle 60 Month Term Loan
6.99%
60 Month Term
APR6.99%
Term60 Month Term
Last UpdatedAug 28, 2026
Details

As Low As

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle 72 Month Term Loan
6.99%
72 Month Term
APR6.99%
Term72 Month Term
Last UpdatedAug 28, 2026
Details

As Low As

People's Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos And Recreational loans
7.00%
61+ Months
APR7.00%
Term61+ Months
Last UpdatedAug 28, 2026
Details

Model Years 2019 to 2022

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loan
7.00%
84 months
APR7.00%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As; Interest Rate

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 months
APR7.16%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Older Used Vehicles Model Year 2015-2019 Loan
7.24%
36 Months
APR7.24%
Term36 Months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business New auto (2023 and newer)
7.24%
96 months
APR7.24%
Term96 months
Last UpdatedAug 28, 2026
Details

OnPoint Business Rewards: 0.25% discount off the stated APR for new and used auto loans. Discount cannot be applied retroactively. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off the stated APR. New Auto 96-month term requires a minimum $25,000 loan amount and a maximum of $15,000 negative equity.

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
7.24%
60 months
APR7.24%
Term60 months
Last UpdatedAug 28, 2026
Details

Vehicle Age: 2014 & Older

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Car - greater than 100,000 Miles Loan
7.25%
up to 72 months
APR7.25%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Car - less than 100,000 Miles Loan
7.25%
up to 84 months
APR7.25%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 months
APR7.30%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
7.35%
73 - 84 months
APR7.35%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

Up to 100% LTV/Mileage maximum: 150,000

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 A+ A Credit Tier Only Loan
7.39%
96 month
APR7.39%
Term96 month
Last UpdatedAug 28, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older) - Max
7.40%
up to 60 months
APR7.40%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

$25,000

Littlerock New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New vehicle Loan
1.99%
Up to 84 months
APR1.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

As low as

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles
3.79%
36 months
APR3.79%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As; SPECIALS!

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles and Street Motorcycles
3.79%
36 months
APR3.79%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As; depending on loan amount

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
3.99%
36 Months
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Purchase New Auto or Refinance
3.99%
2025 and Newer
APR3.99%
Term2025 and Newer
Last UpdatedAug 28, 2026
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles
3.99%
48 months
APR3.99%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As; SPECIALS!

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
3.99%
36 Months
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Auto
4.00%
up to 84 months
APR4.00%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
New Vehicles Loan
4.24%
36-84 months
APR4.24%
Term36-84 months
Last UpdatedAug 28, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.24%
24 Months
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.24%
48 Months
APR4.24%
Term48 Months
Last UpdatedAug 28, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
4.25%
0 - 36 months
APR4.25%
Term0 - 36 months
Last UpdatedAug 28, 2026
Details

Up to 125% LTV/Mileage maximum: 150,000

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New Cars Loan
4.49%
up to 72 months
APR4.49%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

0% down OAC

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.49%
48 Months
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles
4.49%
36-72 months
APR4.49%
Term36-72 months
Last UpdatedAug 28, 2026
Details

As Low As; For new and used vehicles.

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.49%
60 Months
APR4.49%
Term60 Months
Last UpdatedAug 28, 2026
Details

MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
New Auto
4.50%
Up to 84-month term available
APR4.50%
TermUp to 84-month term available
Last UpdatedAug 28, 2026
Details

2024 and newer. Loan to value based on MSRP or NADA retail.

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles
4.69%
36-60 months
APR4.69%
Term36-60 months
Last UpdatedAug 28, 2026
Details

As Low As; For new and used vehicles.

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
4.74%
4 years / 48 months
APR4.74%
Term4 years / 48 months
Last UpdatedAug 28, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
4.74%
72 Months
APR4.74%
Term72 Months
Last UpdatedAug 28, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
4.74%
60 months
APR4.74%
Term60 months
Last UpdatedAug 28, 2026
Details

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
New Auto
4.74%
up to 84 months
APR4.74%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New or Used Auto
4.74%
up to 84 Months
APR4.74%
Termup to 84 Months
Last UpdatedAug 28, 2026
Details

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.75%
72 Months
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
4.99%
5 years / 60 months
APR4.99%
Term5 years / 60 months
Last UpdatedAug 28, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.99%
72 Months
APR4.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business New auto (2023 and newer)
4.99%
36-60 months
APR4.99%
Term36-60 months
Last UpdatedAug 28, 2026
Details

OnPoint Business Rewards: 0.25% discount off the stated APR for new and used auto loans. Discount cannot be applied retroactively. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off the stated APR.

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
4.99%
72 months
APR4.99%
Term72 months
Last UpdatedAug 28, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
5.00%
37 - 48 months
APR5.00%
Term37 - 48 months
Last UpdatedAug 28, 2026
Details

Up to 125% LTV/Mileage maximum: 150,000

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer) - Up to 36 months
5.04%
Up to 36 months
APR5.04%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Minimum Loan Amount: $500

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 Loan
5.19%
84 Months
APR5.19%
Term84 Months
Last UpdatedAug 28, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 0 - 36 Months
5.21%
36 Months
APR5.21%
Term36 Months
Last UpdatedAug 28, 2026
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles Loan
5.22%
1 to 84 Months
APR5.22%
Term1 to 84 Months
Last UpdatedAug 28, 2026
Details

rate will vary based on term. Purchase New Vehicles: Up to 125% Loan to Value (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.

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
5.24%
6 years / 72 months
APR5.24%
Term6 years / 72 months
Last UpdatedAug 28, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business New auto (2023 and newer)
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedAug 28, 2026
Details

OnPoint Business Rewards: 0.25% discount off the stated APR for new and used auto loans. Discount cannot be applied retroactively. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off the stated APR.

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer) - 37-60 months
5.24%
60 Months
APR5.24%
Term60 Months
Last UpdatedAug 28, 2026
Details

Minimum Loan Amount: $5,000

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles: Model Year 2025 or newer Loan
5.24%
60 months
APR5.24%
Term60 months
Last UpdatedAug 28, 2026
Details

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New Auto
5.24%
Up to 60 mos.
APR5.24%
TermUp to 60 mos.
Last UpdatedAug 28, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Low-Speed Vehicle Loan
5.24%
60 months or less
APR5.24%
Term60 months or less
Last UpdatedAug 28, 2026
Details

APR as low as

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.30%
up to 60 months
APR5.30%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

$100,000

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
5.30%
60 months
APR5.30%
Term60 months
Last UpdatedAug 28, 2026
Details

Example payment calculation: $35,000 loan at 5.3% APR for 60 months results in a monthly payment of around $665.

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.34%
Up to 60 months
APR5.34%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer) - 61-66 months
5.34%
66 Months
APR5.34%
Term66 Months
Last UpdatedAug 28, 2026
Details

Minimum Loan Amount: $6,000

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.43%
61 - 72 months
APR5.43%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

$100,000

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.44%
61 - 72 months
APR5.44%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Vehicle Loan (2022 & Newer)
5.44%
up to 60 months
APR5.44%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer) - 67-75 months
5.44%
75 Months
APR5.44%
Term75 Months
Last UpdatedAug 28, 2026
Details

Minimum Loan Amount: $10,000

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto/Truck Loan
5.49%
up to 72 months
APR5.49%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

Fixed rate, with no more than 12,000 miles.

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
New Auto (2021 and Newer)
5.49%
7 years / 84 months
APR5.49%
Term7 years / 84 months
Last UpdatedAug 28, 2026
Details

As Low As

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New Cars Loan
5.49%
up to 73 - 84 months
APR5.49%
Termup to 73 - 84 months
Last UpdatedAug 28, 2026
Details

0% down OAC

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
5.49%
84 Months
APR5.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Vehicle Loan (2022 & Newer)
5.49%
up to 72 months
APR5.49%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business New auto (2023 and newer)
5.49%
84 months
APR5.49%
Term84 months
Last UpdatedAug 28, 2026
Details

OnPoint Business Rewards: 0.25% discount off the stated APR for new and used auto loans. Discount cannot be applied retroactively. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off the stated APR. Used Auto 72-month term for model years 2016-2019 requires a minimum $12,000 loan amount. New and Used Auto 84-month term requires a minimum $15,000 loan amount. Used Auto 84-month term is offered on model years 2020-2022 only.

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Autos (2025 or Newer) - 76-84 months
5.49%
84 Months
APR5.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

Minimum Loan Amount: $15,000

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
New vehicles Loan
5.49%
Up to 84 months
APR5.49%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Rates increase without automatic payment; Rates decrease for hybrid and EV loans.

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles: Model Year 2025 or newer Loan
5.49%
72 months
APR5.49%
Term72 months
Last UpdatedAug 28, 2026
Details

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
5.49%
84 Months
APR5.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
New Low-Speed Vehicle Loan
5.49%
61 - 72 months
APR5.49%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

APR as low as

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
5.50%
49 - 60 months
APR5.50%
Term49 - 60 months
Last UpdatedAug 28, 2026
Details

Up to 125% LTV/Mileage maximum: 150,000

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
NEW AUTO - Max
5.53%
*73 - 84 months
APR5.53%
Term*73 - 84 months
Last UpdatedAug 28, 2026
Details

$100,000

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.54%
36 months
APR5.54%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New Auto
5.64%
73 - 84 months
APR5.64%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New & Used Vehicles Loan
5.69%
Up to 84 months
APR5.69%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Express Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Auto Loan (2024 & Newer) - Includes EV loans
5.74%
5 year
APR5.74%
Term5 year
Last UpdatedAug 28, 2026
Details

Includes EV loans; Personal and auto loan rates include a .25% discount for auto-pay.

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto Loan
5.74%
36 months
APR5.74%
Term36 months
Last UpdatedAug 28, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loan
5.75%
24 - 48 months
APR5.75%
Term24 - 48 months
Last UpdatedAug 28, 2026
Details

As Low As; Interest Rate

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New Auto
5.75%
61-72 mos.
APR5.75%
Term61-72 mos.
Last UpdatedAug 28, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 37 - 48 Months
5.77%
48 Months
APR5.77%
Term48 Months
Last UpdatedAug 28, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
5.80%
48 months
APR5.80%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 49 - 60 Months
5.93%
60 Months
APR5.93%
Term60 Months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car purchase Loan
5.94%
60 months
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car rate Loan
5.94%
60 months
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto/Truck Loan
5.99%
up to 84 months
APR5.99%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Fixed rate, with no more than 12,000 miles.

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 61 - 72 Months
5.99%
72 Months
APR5.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Vehicle Loan (2022 & Newer)
5.99%
up to 84 months
APR5.99%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2025 or newer Loan
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedAug 28, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto Loan
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedAug 28, 2026
Details

Vehicle Age: 2020+; Loan Amount: $15,000+

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
6.00%
61 - 72 months
APR6.00%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

Up to 125% LTV/Mileage maximum: 150,000

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loan
6.00%
60 - 72 months
APR6.00%
Term60 - 72 months
Last UpdatedAug 28, 2026
Details

As Low As; Interest Rate

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.12%
60 months
APR6.12%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

Rivermark Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.94%
Auto Loans: 2022 and Newer - Up to 76 Months
6.24%
Up to 76 Months
APR6.24%
TermUp to 76 Months
Last UpdatedAug 28, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 months
APR6.25%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New Auto
6.25%
73-84 mos.
APR6.25%
Term73-84 mos.
Last UpdatedAug 28, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 months
APR6.49%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As

Rivermark Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.94%
Auto Loans: 2022 and Newer - Up to 88 Months
6.49%
Up to 88 Months
APR6.49%
TermUp to 88 Months
Last UpdatedAug 28, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
New Vehicles: Model Year 2025 or newer Loan
6.49%
84 months
APR6.49%
Term84 months
Last UpdatedAug 28, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026) Loan
6.50%
73 - 84 months
APR6.50%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

Up to 125% LTV/Mileage maximum: 150,000

People's Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
6.50%
61+ Months
APR6.50%
Term61+ Months
Last UpdatedAug 28, 2026
Details

Model Years 2023 or Newer (Includes Tax and License)

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Car Loan
6.50%
up to 84 months
APR6.50%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.54%
72 months
APR6.54%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 73 - 84 months
6.61%
84 Months
APR6.61%
Term84 Months
Last UpdatedAug 28, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto: 2024 and Newer
6.68%
84 months
APR6.68%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 months
APR6.71%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto Loan
6.74%
60 months
APR6.74%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As; Vehicle Age 2023 +

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loan
7.00%
84 months
APR7.00%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As; Interest Rate

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 months
APR7.16%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business New auto (2023 and newer)
7.24%
96 months
APR7.24%
Term96 months
Last UpdatedAug 28, 2026
Details

OnPoint Business Rewards: 0.25% discount off the stated APR for new and used auto loans. Discount cannot be applied retroactively. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off the stated APR. New Auto 96-month term requires a minimum $25,000 loan amount and a maximum of $15,000 negative equity.

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 months
APR7.30%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
New Vehicles Model Year 2025-2026 A+ A Credit Tier Only Loan
7.39%
96 month
APR7.39%
Term96 month
Last UpdatedAug 28, 2026
Details

Littlerock Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used vehicle (1-2 years old) Loan
1.99%
Up to 84 months
APR1.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles
3.79%
36 months
APR3.79%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As; SPECIALS!

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles and Street Motorcycles
3.79%
36 months
APR3.79%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As; depending on loan amount

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles
3.99%
48 months
APR3.99%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As; SPECIALS!

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
3.99%
36 Months
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
4.19%
36 Months
APR4.19%
Term36 Months
Last UpdatedAug 28, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.24%
24 Months
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
4.24%
2016 - 2024
APR4.24%
Term2016 - 2024
Last UpdatedAug 28, 2026
Details

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.24%
48 Months
APR4.24%
Term48 Months
Last UpdatedAug 28, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Used Cars Loan
4.49%
up to 72 months
APR4.49%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

up to 10 years old; 0% down OAC

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.49%
48 Months
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles
4.49%
36-72 months
APR4.49%
Term36-72 months
Last UpdatedAug 28, 2026
Details

As Low As; For new and used vehicles.

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.49%
60 Months
APR4.49%
Term60 Months
Last UpdatedAug 28, 2026
Details

MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
Used Auto
4.50%
Up to 84-month term available
APR4.50%
TermUp to 84-month term available
Last UpdatedAug 28, 2026
Details

2023 and older. Loan to value based on NADA retail.

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Automobiles
4.69%
36-60 months
APR4.69%
Term36-60 months
Last UpdatedAug 28, 2026
Details

As Low As; For new and used vehicles.

Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New or Used Auto
4.74%
up to 84 Months
APR4.74%
Termup to 84 Months
Last UpdatedAug 28, 2026
Details

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
4.75%
72 Months
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
4.85%
0 - 36 months
APR4.85%
Term0 - 36 months
Last UpdatedAug 28, 2026
Details

Up to 100% LTV/Mileage maximum: 150,000

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.99%
72 Months
APR4.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2024 or older Loan
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details

IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
Used Auto
5.00%
up to 84 months
APR5.00%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Used Auto Loans (Cars, trucks & vans)
5.14%
36-60 month
APR5.14%
Term36-60 month
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.14%
36 - 60 months
APR5.14%
Term36 - 60 months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business Used auto (2016-2022)
5.14%
36-60 months
APR5.14%
Term36-60 months
Last UpdatedAug 28, 2026
Details

OnPoint Business Rewards: 0.25% discount off the stated APR for new and used auto loans. Discount cannot be applied retroactively. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off the stated APR.

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.19%
48 Months
APR5.19%
Term48 Months
Last UpdatedAug 28, 2026
Details

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 0 - 36 Months
5.21%
36 Months
APR5.21%
Term36 Months
Last UpdatedAug 28, 2026
Details

North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New / Used Vehicles Loan
5.22%
1 to 84 Months
APR5.22%
Term1 to 84 Months
Last UpdatedAug 28, 2026
Details

rate will vary based on term. Purchase New Vehicles: Up to 125% Loan to Value (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.

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 23.15%
Used Vehicles Loan
5.24%
36-84 months
APR5.24%
Term36-84 months
Last UpdatedAug 28, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Electric, Plug-in Hybrid, or Hybrid Vehicles: Model Year 2024 or older Loan
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedAug 28, 2026
Details

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.26%
Used Auto
5.24%
up to 72 months
APR5.24%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 Loan
5.29%
60 Months
APR5.29%
Term60 Months
Last UpdatedAug 28, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 min loan
5.29%
72 Months
APR5.29%
Term72 Months
Last UpdatedAug 28, 2026
Details

$20,000

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2016-2019 Used Auto Loans (Cars, trucks & vans)
5.39%
72 months
APR5.39%
Term72 months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.39%
72 months
APR5.39%
Term72 months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business Used auto (2016-2022)
5.39%
72 months
APR5.39%
Term72 months
Last UpdatedAug 28, 2026
Details

OnPoint Business Rewards: 0.25% discount off the stated APR for new and used auto loans. Discount cannot be applied retroactively. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off the stated APR. Used Auto 72-month term for model years 2016-2019 requires a minimum $12,000 loan amount.

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.40%
up to 60 months
APR5.40%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

$100,000

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.49%
Up to 60 months
APR5.49%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.49%
4 years / 48 months
APR5.49%
Term4 years / 48 months
Last UpdatedAug 28, 2026
Details

As Low As

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Used Cars Loan
5.49%
up to 73 - 84 months
APR5.49%
Termup to 73 - 84 months
Last UpdatedAug 28, 2026
Details

up to 10 years old; 0% down OAC

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
5.49%
84 Months
APR5.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles: Model Year 2024 or older Loan
5.49%
60 months
APR5.49%
Term60 months
Last UpdatedAug 28, 2026
Details

EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New/Used Auto Loans
5.49%
84 Months
APR5.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.54%
61 - 72 months
APR5.54%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

$100,000

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.59%
61 - 72 months
APR5.59%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Vehicles Model Year 2020-2024 min loan
5.59%
84 Months
APR5.59%
Term84 Months
Last UpdatedAug 28, 2026
Details

$25,000

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
5.60%
37 - 48 months
APR5.60%
Term37 - 48 months
Last UpdatedAug 28, 2026
Details

Up to 100% LTV/Mileage maximum: 150,000

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
USED AUTO - Max
5.65%
*73 - 84 months
APR5.65%
Term*73 - 84 months
Last UpdatedAug 28, 2026
Details

$100,000

Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New & Used Vehicles Loan
5.69%
Up to 84 months
APR5.69%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Used Auto/Truck Loan
5.74%
up to 72 months
APR5.74%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

Fixed rate, on vehicles up to 10 years old.

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.74%
5 years / 60 months
APR5.74%
Term5 years / 60 months
Last UpdatedAug 28, 2026
Details

As Low As

Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.66%
Used vehicles Loan
5.74%
Up to 84 months
APR5.74%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Rates increase without automatic payment; Rates decrease for hybrid and EV loans.

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Used Vehicles: Model Year 2024 or older Loan
5.74%
72 months
APR5.74%
Term72 months
Last UpdatedAug 28, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loan
5.75%
24 - 48 months
APR5.75%
Term24 - 48 months
Last UpdatedAug 28, 2026
Details

As Low As; Interest Rate

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 37 - 48 Months
5.77%
48 Months
APR5.77%
Term48 Months
Last UpdatedAug 28, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Used Auto
5.79%
73 - 84 months
APR5.79%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)
5.84%
84 months
APR5.84%
Term84 months
Last UpdatedAug 28, 2026
Details

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business Used auto (2016-2022)
5.84%
84 months
APR5.84%
Term84 months
Last UpdatedAug 28, 2026
Details

OnPoint Business Rewards: 0.25% discount off the stated APR for new and used auto loans. Discount cannot be applied retroactively. Vehicles meeting OnPoint's Green Auto Discount standards receive a 0.25% discount off the stated APR. Used Auto 72-month term for model years 2016-2019 requires a minimum $12,000 loan amount. New and Used Auto 84-month term requires a minimum $15,000 loan amount. Used Auto 84-month term is offered on model years 2020-2022 only.

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 49 - 60 Months
5.93%
60 Months
APR5.93%
Term60 Months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car purchase Loan
5.99%
60 months
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car rate Loan
5.99%
60 months
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Used Auto/Truck Loan
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedAug 28, 2026
Details

Fixed rate, available under certain conditions.

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
5.99%
6 years / 72 months
APR5.99%
Term6 years / 72 months
Last UpdatedAug 28, 2026
Details

As Low As

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 61 - 72 Months
5.99%
72 Months
APR5.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Used Auto
5.99%
2015 and Older
APR5.99%
Term2015 and Older
Last UpdatedAug 28, 2026
Details

Express Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Car Loan (2023-1999) - Includes EV loans
5.99%
5 year
APR5.99%
Term5 year
Last UpdatedAug 28, 2026
Details

Includes EV loans; Personal and auto loan rates include a .25% discount for auto-pay.

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
5.99%
36 months
APR5.99%
Term36 months
Last UpdatedAug 28, 2026
Details

Vehicle Age: 2015 - 2019

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loan
6.00%
60 - 72 months
APR6.00%
Term60 - 72 months
Last UpdatedAug 28, 2026
Details

As Low As; Interest Rate

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
6.10%
49 - 60 months months
APR6.10%
Term49 - 60 months months
Last UpdatedAug 28, 2026
Details

Up to 100% LTV/Mileage maximum: 150,000

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Auto (Models 2017 - 2020)
6.24%
7 years / 84 months
APR6.24%
Term7 years / 84 months
Last UpdatedAug 28, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
6.24%
84 months
APR6.24%
Term84 months
Last UpdatedAug 28, 2026
Details

Vehicle Age: 2015 - 2019

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Low-Speed Vehicle Loan
6.24%
60 months or less
APR6.24%
Term60 months or less
Last UpdatedAug 28, 2026
Details

APR as low as

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.25%
36 months
APR6.25%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
Used Auto
6.34%
Up to 60 mos.
APR6.34%
TermUp to 60 mos.
Last UpdatedAug 28, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.49%
48 months
APR6.49%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Low-Speed Vehicle Loan
6.49%
61 - 72 months
APR6.49%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

APR as low as

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
6.60%
61 - 72 months
APR6.60%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

Up to 100% LTV/Mileage maximum: 150,000

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New & Used Auto Loans 73 - 84 months
6.61%
84 Months
APR6.61%
Term84 Months
Last UpdatedAug 28, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
6.71%
60 months
APR6.71%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Older Used Cars Loan
6.99%
up to 72 months
APR6.99%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

11-18 years old; requires 10% down

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Classic Used Vehicles Model Year 1972 and Older Loan
6.99%
36 Months
APR6.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
6.99%
60 months
APR6.99%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As; Vehicle Age 2015 - 2022

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle 60 Month Term Loan
6.99%
60 Month Term
APR6.99%
Term60 Month Term
Last UpdatedAug 28, 2026
Details

As Low As

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle 72 Month Term Loan
6.99%
72 Month Term
APR6.99%
Term72 Month Term
Last UpdatedAug 28, 2026
Details

As Low As

People's Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos And Recreational loans
7.00%
61+ Months
APR7.00%
Term61+ Months
Last UpdatedAug 28, 2026
Details

Model Years 2019 to 2022

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Auto Loan
7.00%
84 months
APR7.00%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As; Interest Rate

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.16%
72 months
APR7.16%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Older Used Vehicles Model Year 2015-2019 Loan
7.24%
36 Months
APR7.24%
Term36 Months
Last UpdatedAug 28, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto Loan
7.24%
60 months
APR7.24%
Term60 months
Last UpdatedAug 28, 2026
Details

Vehicle Age: 2014 & Older

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Car - greater than 100,000 Miles Loan
7.25%
up to 72 months
APR7.25%
Termup to 72 months
Last UpdatedAug 28, 2026
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Car - less than 100,000 Miles Loan
7.25%
up to 84 months
APR7.25%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto: 2011 and Newer
7.30%
84 months
APR7.30%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022) Loan
7.35%
73 - 84 months
APR7.35%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

Up to 100% LTV/Mileage maximum: 150,000

Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
OLDER USED AUTO (2015 or older) - Max
7.40%
up to 60 months
APR7.40%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

$25,000

Littlerock, WA Auto Loan Rate Trends

Compare local Littlerock, 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.

View Full Washington Auto Trends →
New Auto Loan — WA Avg
6.173%
▲ 0.640 vs 7 days ago

Washington new auto rates rose 0.640 points over the past 7 days to 6.173% APR.

Used Auto Loan — WA Avg
6.431%
▲ 0.702 vs 7 days ago

Washington used auto rates rose 0.702 points over the past 7 days to 6.431% APR.

As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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 @ 6.17% APR
WA average
Used Auto @ 6.43% APR
WA average
Monthly Difference
$15,000 $291.20/mo $293.00/mo $1.81/mo
$25,000 $485.33/mo $488.34/mo $3.01/mo
$35,000 $679.46/mo $683.68/mo $4.22/mo
$45,000 $873.59/mo $879.01/mo $5.42/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.

About Our Littlerock, Washington Auto Loan Rate Database

44 Local Lenders Tracked Banks & Credit Unions Updated Daily

Our Littlerock, Washington auto loan tables currently track 44 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.

The lowest verified auto loan APR in our Littlerock, Washington database right now is 1.99% APR from LONGSHOREMENS LOCAL 4. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.

How to Get the Best Auto Loan Rate in Littlerock, Washington

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Littlerock, 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.

2

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.

3

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.

4

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.

Building a down payment, or is an auto loan not the right fit?

Washington Financial Snapshot

Local demographics and economic context for car buyers — Source: U.S. Census Bureau (state-level data shown — city data not available)

$54,551
Median Individual Earnings
National avg: $47,340
5.0%
Unemployment Rate
National avg: 4.8%
9.9%
Poverty Rate
National avg: 11.1%
$582/mo
Payment on a $30K / 60-mo Loan
At WA new-auto avg 6.17% APR

A $582 monthly car payment works out to roughly 12.8% of the median individual income in Washington. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Littlerock, 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 1–3 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 (0–2.9% 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 Littlerock, 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.

$
$
%
Current Rates — Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

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 Littlerock, 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 Littlerock, 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 Littlerock, 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 Littlerock, Washington

How does my credit score affect my car loan rate in Washington?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Littlerock, Washington with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Washington *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Littlerock, Washington typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

Should I get preapproved for an auto loan before visiting a dealer in Littlerock, Washington?

Yes. A preapproval from a bank or credit union serving Littlerock, Washington gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Littlerock, Washington can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

What are the best Auto Loan rates in Littlerock, Washington?

Based on our current data, some of the lowest auto loan rates available in Littlerock, Washington include:
  • LONGSHOREMENS LOCAL 4: 1.99% (New vehicle Loan)
  • Responders Emergency Services Credit Union: 3.79% (New & Used Automobiles)
  • Delta Schools Federal Credit Union: 3.99% (New Vehicles Model Year 2025-2026 Loan)
  • NW Priority Credit Union: 3.99% (Purchase New Auto or Refinance)
  • Progressions Credit Union: 3.99% (AUTOS & TRUCKS)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Littlerock, Washington. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: August 28, 2026

Littlerock, Washington Rates & Resources