Current auto loan rates in Matlock, 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.
Matlock 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 Matlock, Washington. Auto Loan Rates Last Updated and Verified: August 28, 2026
As low as
As Low As; SPECIALS!
As Low As; depending on loan amount
2019 Model year or newer
As Low As; SPECIALS!
Up to 125% LTV/Mileage maximum: 150,000
As Low As
0% down OAC
up to 10 years old; 0% down OAC
As Low As; For new and used vehicles.
2024 and newer. Loan to value based on MSRP or NADA retail.
2023 and older. Loan to value based on NADA retail.
As Low As; For new and used vehicles.
As Low As
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.
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%.
Up to 100% LTV/Mileage maximum: 150,000
As Low As
As Low As
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.
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%.
Up to 125% LTV/Mileage maximum: 150,000
As Low As
Minimum Loan Amount: $500
As Low As
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.
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.
100% MSRP or High KBB
As Low As
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.
Minimum Loan Amount: $5,000
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%.
APR as low as
$20,000
As Low As
$100,000
Example payment calculation: $35,000 loan at 5.3% APR for 60 months results in a monthly payment of around $665.
Minimum Loan Amount: $6,000
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.
$100,000
$100,000
Minimum Loan Amount: $10,000
Financing: 100% High KBB
100% MSRP or High KBB
Fixed rate, with no more than 12,000 miles.
As Low As
As Low As
0% down OAC
up to 10 years old; 0% down OAC
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.
Minimum Loan Amount: $15,000
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
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%.
APR as low as
As Low As; 4.50%
Up to 125% LTV/Mileage maximum: 150,000
$100,000
As Low As
$100,000
$25,000
Up to 100% LTV/Mileage maximum: 150,000
As Low As
$100,000
Financing: 100% High KBB
100% MSRP or High KBB
Fixed rate, on vehicles up to 10 years old.
As Low As
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
Includes EV loans; Personal and auto loan rates include a .25% discount for auto-pay.
Vehicle Age: 2020+; Loan Amount: No Minimum
As Low As; 4.75%
As Low As; 4.75%
As Low As; Interest Rate
As Low As
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.
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.
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.
Financing: 100% High KBB
100% MSRP or High KBB
Fixed rate, with no more than 12,000 miles.
Fixed rate, available under certain conditions.
As Low As
Includes EV loans; Personal and auto loan rates include a .25% discount for auto-pay.
Vehicle Age: 2020+; Loan Amount: $15,000+
Vehicle Age: 2015 - 2019
As Low As; 5.00%
As Low As; 5.00%
Up to 125% LTV/Mileage maximum: 150,000
As Low As; Interest Rate
As Low As
Up to 100% LTV/Mileage maximum: 150,000
As Low As
As Low As
Financing: 100% High KBB
As Low As
Vehicle Age: 2015 - 2019
APR as low as
As Low As
As Low As; 5.25%
As Low As; 5.25%
As Low As
2016 - 2018 Model years
APR as low as
Up to 125% LTV/Mileage maximum: 150,000
Model Years 2023 or Newer (Includes Tax and License)
As Low As
Up to 100% LTV/Mileage maximum: 150,000
As Low As
As Low As
As Low As; Vehicle Age 2023 +
11-18 years old; requires 10% down
As Low As; Vehicle Age 2015 - 2022
As Low As
As Low As
Model Years 2019 to 2022
As Low As; Interest Rate
As Low As
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.
Vehicle Age: 2014 & Older
As Low As
Up to 100% LTV/Mileage maximum: 150,000
$25,000
As low as
As Low As; SPECIALS!
As Low As; depending on loan amount
As Low As; SPECIALS!
Up to 125% LTV/Mileage maximum: 150,000
0% down OAC
As Low As; For new and used vehicles.
2024 and newer. Loan to value based on MSRP or NADA retail.
As Low As; For new and used vehicles.
As Low As
As Low As
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.
Up to 125% LTV/Mileage maximum: 150,000
Minimum Loan Amount: $500
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.
As Low As
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.
Minimum Loan Amount: $5,000
APR as low as
$100,000
Example payment calculation: $35,000 loan at 5.3% APR for 60 months results in a monthly payment of around $665.
Minimum Loan Amount: $6,000
$100,000
Minimum Loan Amount: $10,000
Fixed rate, with no more than 12,000 miles.
As Low As
0% down OAC
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.
Minimum Loan Amount: $15,000
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
APR as low as
Up to 125% LTV/Mileage maximum: 150,000
$100,000
As Low As
Includes EV loans; Personal and auto loan rates include a .25% discount for auto-pay.
Vehicle Age: 2020+; Loan Amount: No Minimum
As Low As; Interest Rate
As Low As
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.
Fixed rate, with no more than 12,000 miles.
Vehicle Age: 2020+; Loan Amount: $15,000+
Up to 125% LTV/Mileage maximum: 150,000
As Low As; Interest Rate
As Low As
As Low As
As Low As
Up to 125% LTV/Mileage maximum: 150,000
Model Years 2023 or Newer (Includes Tax and License)
As Low As
As Low As
As Low As
As Low As; Vehicle Age 2023 +
As Low As; Interest Rate
As Low As
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.
As Low As
As Low As; SPECIALS!
As Low As; depending on loan amount
As Low As; SPECIALS!
up to 10 years old; 0% down OAC
As Low As; For new and used vehicles.
2023 and older. Loan to value based on NADA retail.
As Low As; For new and used vehicles.
Up to 100% LTV/Mileage maximum: 150,000
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.
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.
$20,000
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.
$100,000
As Low As
up to 10 years old; 0% down OAC
$100,000
$25,000
Up to 100% LTV/Mileage maximum: 150,000
$100,000
Fixed rate, on vehicles up to 10 years old.
As Low As
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
As Low As; Interest Rate
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.
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.
Fixed rate, available under certain conditions.
As Low As
Includes EV loans; Personal and auto loan rates include a .25% discount for auto-pay.
Vehicle Age: 2015 - 2019
As Low As; Interest Rate
Up to 100% LTV/Mileage maximum: 150,000
As Low As
Vehicle Age: 2015 - 2019
APR as low as
As Low As
As Low As
APR as low as
Up to 100% LTV/Mileage maximum: 150,000
As Low As
11-18 years old; requires 10% down
As Low As; Vehicle Age 2015 - 2022
As Low As
As Low As
Model Years 2019 to 2022
As Low As; Interest Rate
As Low As
Vehicle Age: 2014 & Older
As Low As
Up to 100% LTV/Mileage maximum: 150,000
$25,000
Compare local Matlock, WA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Washington new auto rates rose 0.640 points over the past 7 days to 6.173% APR.
Washington used auto rates rose 0.702 points over the past 7 days to 6.431% APR.
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.
Our Matlock, 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 Matlock, 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.
A preapproval from a bank or credit union serving Matlock, 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.
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.
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.
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.
Local demographics and economic context for car buyers — Source: U.S. Census Bureau (state-level data shown — city data not available)
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.
An auto loan isn’t the only way to finance a vehicle in Matlock, 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.
Estimate your monthly payment on a new or used vehicle in Matlock, Washington. We’ve prefilled the APR with today’s WA new-auto average — or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Matlock, 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 Matlock, 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 Matlock, 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.