Auto Loan Rates in Olympia, Washington (WA) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Olympia, Washington. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Olympia, Washington include Our Community Credit UnionOur Community Credit Union6541 Sexton Dr NW Ste 103, Olympia, WA, 98502 9222A+5.0 ★Texas Ratio: 0.74% offering New or Used Auto at 5.24%, OlyFed Olympia Federal S&LOlyFed Olympia Federal S&L421 Capitol Way S, Olympia, WA, 98501A+5.0 ★Texas Ratio: 2.38% offering New, Used or Classic Vehicle Loan at 7.54%, LONGSHOREMENS LOCAL 4LONGSHOREMENS LOCAL 4A+5.0 ★Texas Ratio: 1.72% offering New vehicle at 1.99%, Waterfront Federal Credit UnionWaterfront Federal Credit UnionA+5.0 ★Texas Ratio: 5.80% offering New & Used Autos (2021 & Newer) at 3.64%, Delta Schools Federal Credit UnionDelta Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.35% offering New Vehicles Model Year 2025-2026 at 3.99%. Auto loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
Olympia has 2 local institutions in our database, with auto loan rates as low as 5.24% APR from Our Community Credit Union at 6541 Sexton Dr NW Ste 103, Olympia, WA, 98502 9222. 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 Olympia, Washington. Auto Loan Rates Last Updated and Verified: May 10, 2026
Compare Auto Loan Rates Today in Olympia, Washington & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
6541 Sexton Dr NW Ste 103, Olympia, WA, 98502 9222
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 2, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA, 98501
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 10, 2026
Details
Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New vehicle
1.99%
Up to 84 months
▼
APR1.99%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 7, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
New Auto
4.00%
24 to 84 months
▼
APR4.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMay 7, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
New Vehicles
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Autos
4.25%
Up to 96 Months
▼
APR4.25%
TermUp to 96 Months
Last UpdatedMay 2, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
4.25%
0 - 36
▼
APR4.25%
Term0 - 36
Last UpdatedMay 7, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 2, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
up to 10 years old; 0% down OAC
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2015 - 2024
▼
APR4.74%
Term2015 - 2024
Last UpdatedMay 2, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Autos (2020 & Older)
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
Auto loans1
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New & Used Vehicles
4.75%
Up to 96 months
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 2, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 60 months or less
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
4.85%
0 - 36
▼
APR4.85%
Term0 - 36
Last UpdatedMay 7, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 60 months or less
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto/Truck Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Fixed rate, terms up to 72 months with no more than 12,000 miles.
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Used Auto
5.00%
24 to 84 months
▼
APR5.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 2, 2026
Details
2024 and newer. Up to 84-month term available. Loan to value based on MSRP or NADA retail.
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
2023 and older. Up to 72-month term available. Loan to value based on NADA retail.
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.00%
61 Months
▼
APR5.00%
Term61 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 61 - 72 months
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.00%
37 - 48
▼
APR5.00%
Term37 - 48
Last UpdatedMay 7, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.04%
36 Months
▼
APR5.04%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedMay 7, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 2, 2026
Details
Model Year 2025 or newer
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 2, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.24%
61 Months
▼
APR5.24%
Term61 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 61 - 72 months
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.25%
73 Months
▼
APR5.25%
Term73 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 73 - 84 months
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.30%
48 Months
▼
APR5.30%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.30%
up to 60 months
▼
APR5.30%
Termup to 60 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMay 7, 2026
Details
min loan $25,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.40%
up to 60 months
▼
APR5.40%
Termup to 60 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.43%
61 - 72 months
▼
APR5.43%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 2, 2026
Details
Model Year 2025 or newer
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
Model Year 2024 or older
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.49%
73 Months
▼
APR5.49%
Term73 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 73 - 84 months
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
up to 10 years old; 0% down OAC
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.50%
49 - 60
▼
APR5.50%
Term49 - 60
Last UpdatedMay 7, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.53%
*73 - 84 months
▼
APR5.53%
Term*73 - 84 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
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 UpdatedMay 4, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.54%
61 - 72 months
▼
APR5.54%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
5.60%
37 - 48
▼
APR5.60%
Term37 - 48
Last UpdatedMay 7, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
5.62%
60 Months
▼
APR5.62%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.65%
*73 - 84 months
▼
APR5.65%
Term*73 - 84 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New or Used Auto Loans
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 2, 2026
Details
Model Year 2024 or older
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto/Truck Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Fixed rate, terms up to 72 months on vehicles up to 10 years old.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
5.75%
24 - 48
▼
APR5.75%
Term24 - 48
Last UpdatedMay 2, 2026
Details
As Low As
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMay 7, 2026
Details
min loan $20,000
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 UpdatedMay 4, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Loan Amount: No Minimum, Vehicle Age: 2012 - 2020
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Fixed rate, terms up to 84 months with no more than 12,000 miles.
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 84 months available under certain conditions.
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
6.00%
60 - 72
▼
APR6.00%
Term60 - 72
Last UpdatedMay 2, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.00%
61 - 72
▼
APR6.00%
Term61 - 72
Last UpdatedMay 7, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans
6.04%
72 Months
▼
APR6.04%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedMay 7, 2026
Details
min loan $25,000
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.10%
49 - 60
▼
APR6.10%
Term49 - 60
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 4, 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 UpdatedMay 4, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2014 and Older
▼
APR6.24%
Term2014 and Older
Last UpdatedMay 2, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Loan Amount: $15,000+, Vehicle Age: 2012 - 2020
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 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 UpdatedMay 4, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.25%
up to 36 months
▼
APR6.25%
Termup to 36 months
Last UpdatedMay 6, 2026
Details
As Low As; Model years 2016 - 2026
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
Used Auto
6.34%
60 Months
▼
APR6.34%
Term60 Months
Last UpdatedMay 2, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 2, 2026
Details
Model Year 2025 or newer
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 UpdatedMay 4, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.50%
37 to 48 months
▼
APR6.50%
Term37 to 48 months
Last UpdatedMay 6, 2026
Details
As Low As; Model years 2016 - 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedMay 7, 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 UpdatedMay 4, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.55%
49 to 60 months
▼
APR6.55%
Term49 to 60 months
Last UpdatedMay 6, 2026
Details
As Low As; Model years 2016 - 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.60%
61 - 72
▼
APR6.60%
Term61 - 72
Last UpdatedMay 7, 2026
Details
As Low As
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 UpdatedMay 4, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.70%
61 to 72 months
▼
APR6.70%
Term61 to 72 months
Last UpdatedMay 6, 2026
Details
As Low As; Model years 2016 - 2026
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 UpdatedMay 4, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loans
6.95%
73 to 84 months
▼
APR6.95%
Term73 to 84 months
Last UpdatedMay 6, 2026
Details
As Low As; Model years 2016 - 2026, minimum loan amount $15,000
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Older Used Cars
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
11-18 years old; requires 10% down
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
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 UpdatedMay 4, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Loan Amount: No Minimum, Vehicle Age: 2011 & Older
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
7.24%
36 Months
▼
APR7.24%
Term36 Months
Last UpdatedMay 7, 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 UpdatedMay 4, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
7.35%
73 - 84
▼
APR7.35%
Term73 - 84
Last UpdatedMay 7, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
7.39%
96 month
▼
APR7.39%
Term96 month
Last UpdatedMay 7, 2026
Details
min loan $45,000 A+ A Credit Tier Only
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.40%
up to 60 months
▼
APR7.40%
Termup to 60 months
Last UpdatedMay 10, 2026
Details
$25,000; As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.50%
96 Months
▼
APR7.50%
Term96 Months
Last UpdatedMay 2, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.54%
48 Months
▼
APR7.54%
Term48 Months
Last UpdatedMay 7, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.54%
61 - 72 months
▼
APR7.54%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
$25,000; As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.65%
73 - 84 months
▼
APR7.65%
Term73 - 84 months
Last UpdatedMay 10, 2026
Details
$25,000; As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.79%
72 Months
▼
APR7.79%
Term72 Months
Last UpdatedMay 7, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
8.24%
48 Months
▼
APR8.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
8.25%
108 Months
▼
APR8.25%
Term108 Months
Last UpdatedMay 2, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car
8.99%
0 - 60 months
▼
APR8.99%
Term0 - 60 months
Last UpdatedMay 7, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car
13.99%
0 - 60 months
▼
APR13.99%
Term0 - 60 months
Last UpdatedMay 7, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
6541 Sexton Dr NW Ste 103, Olympia, WA, 98502 9222
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 2, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA, 98501
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 10, 2026
Details
Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New vehicle
1.99%
Up to 84 months
▼
APR1.99%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 7, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
New Auto
4.00%
24 to 84 months
▼
APR4.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
New Vehicles
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
4.25%
0 - 36
▼
APR4.25%
Term0 - 36
Last UpdatedMay 7, 2026
Details
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Purchase New Auto or Refinance
4.49%
2025 and Newer
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 2, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
0% down OAC
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New & Used Vehicles
4.75%
Up to 96 months
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 2, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 60 months or less
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto Purchase or Refinance
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto/Truck Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Fixed rate, terms up to 72 months with no more than 12,000 miles.
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 2, 2026
Details
2024 and newer. Up to 84-month term available. Loan to value based on MSRP or NADA retail.
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.00%
61 Months
▼
APR5.00%
Term61 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 61 - 72 months
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.00%
37 - 48
▼
APR5.00%
Term37 - 48
Last UpdatedMay 7, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 2, 2026
Details
Model Year 2025 or newer
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 2, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto Purchase or Refinance
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.25%
73 Months
▼
APR5.25%
Term73 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 73 - 84 months
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.30%
up to 60 months
▼
APR5.30%
Termup to 60 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMay 7, 2026
Details
min loan $25,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.43%
61 - 72 months
▼
APR5.43%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 2, 2026
Details
Model Year 2025 or newer
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto Purchase or Refinance
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
0% down OAC
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.50%
49 - 60
▼
APR5.50%
Term49 - 60
Last UpdatedMay 7, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
NEW AUTO - Max
5.53%
*73 - 84 months
▼
APR5.53%
Term*73 - 84 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
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 UpdatedMay 4, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New or Used Auto Loans
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
5.75%
24 - 48
▼
APR5.75%
Term24 - 48
Last UpdatedMay 2, 2026
Details
As Low As
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 2, 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 UpdatedMay 4, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Fixed rate, terms up to 84 months with no more than 12,000 miles.
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
6.00%
60 - 72
▼
APR6.00%
Term60 - 72
Last UpdatedMay 2, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.00%
61 - 72
▼
APR6.00%
Term61 - 72
Last UpdatedMay 7, 2026
Details
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 UpdatedMay 4, 2026
Details
As Low As
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 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 UpdatedMay 4, 2026
Details
As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Vehicles
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 2, 2026
Details
Model Year 2025 or newer
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 UpdatedMay 4, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedMay 7, 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 UpdatedMay 4, 2026
Details
As Low As
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 UpdatedMay 4, 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 UpdatedMay 4, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
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 UpdatedMay 4, 2026
Details
As Low As
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 UpdatedMay 4, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
7.39%
96 month
▼
APR7.39%
Term96 month
Last UpdatedMay 7, 2026
Details
min loan $45,000 A+ A Credit Tier Only
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.50%
96 Months
▼
APR7.50%
Term96 Months
Last UpdatedMay 2, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
8.25%
108 Months
▼
APR8.25%
Term108 Months
Last UpdatedMay 2, 2026
Details
As Low As
Powered by
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Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
6541 Sexton Dr NW Ste 103, Olympia, WA, 98502 9222
New or Used Auto
5.24%
up to 84 Months
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 2, 2026
Details
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA, 98501
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 10, 2026
Details
Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 7, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMay 7, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
up to 10 years old; 0% down OAC
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2015 - 2024
▼
APR4.74%
Term2015 - 2024
Last UpdatedMay 2, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Autos (2020 & Older)
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New & Used Vehicles
4.75%
Up to 96 months
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 2, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
4.85%
0 - 36
▼
APR4.85%
Term0 - 36
Last UpdatedMay 7, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 60 months or less
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Used Auto
5.00%
24 to 84 months
▼
APR5.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
2023 and older. Up to 72-month term available. Loan to value based on NADA retail.
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedMay 7, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.24%
61 Months
▼
APR5.24%
Term61 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 61 - 72 months
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto Purchase or Refinance
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.40%
up to 60 months
▼
APR5.40%
Termup to 60 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
Model Year 2024 or older
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto Purchase or Refinance
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.49%
73 Months
▼
APR5.49%
Term73 Months
Last UpdatedMay 2, 2026
Details
As Low As; Terms: 73 - 84 months
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
up to 10 years old; 0% down OAC
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.54%
61 - 72 months
▼
APR5.54%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
5.60%
37 - 48
▼
APR5.60%
Term37 - 48
Last UpdatedMay 7, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
USED AUTO - Max
5.65%
*73 - 84 months
▼
APR5.65%
Term*73 - 84 months
Last UpdatedMay 10, 2026
Details
$100,000; As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New or Used Auto Loans
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Vehicles
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 2, 2026
Details
Model Year 2024 or older
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto/Truck Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Fixed rate, terms up to 72 months on vehicles up to 10 years old.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
5.75%
24 - 48
▼
APR5.75%
Term24 - 48
Last UpdatedMay 2, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMay 7, 2026
Details
min loan $20,000
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Loan Amount: No Minimum, Vehicle Age: 2012 - 2020
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 84 months available under certain conditions.
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
6.00%
60 - 72
▼
APR6.00%
Term60 - 72
Last UpdatedMay 2, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedMay 7, 2026
Details
min loan $25,000
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.10%
49 - 60
▼
APR6.10%
Term49 - 60
Last UpdatedMay 7, 2026
Details
As Low As
NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2014 and Older
▼
APR6.24%
Term2014 and Older
Last UpdatedMay 2, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Loan Amount: $15,000+, Vehicle Age: 2012 - 2020
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 UpdatedMay 4, 2026
Details
As Low As
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
Used Auto
6.34%
60 Months
▼
APR6.34%
Term60 Months
Last UpdatedMay 2, 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 UpdatedMay 4, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.60%
61 - 72
▼
APR6.60%
Term61 - 72
Last UpdatedMay 7, 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 UpdatedMay 4, 2026
Details
As Low As
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Older Used Cars
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
11-18 years old; requires 10% down
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
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 UpdatedMay 4, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Loan Amount: No Minimum, Vehicle Age: 2011 & Older
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
7.24%
36 Months
▼
APR7.24%
Term36 Months
Last UpdatedMay 7, 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 UpdatedMay 4, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
7.35%
73 - 84
▼
APR7.35%
Term73 - 84
Last UpdatedMay 7, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.40%
up to 60 months
▼
APR7.40%
Termup to 60 months
Last UpdatedMay 10, 2026
Details
$25,000; As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.50%
96 Months
▼
APR7.50%
Term96 Months
Last UpdatedMay 2, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.54%
48 Months
▼
APR7.54%
Term48 Months
Last UpdatedMay 7, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.54%
61 - 72 months
▼
APR7.54%
Term61 - 72 months
Last UpdatedMay 10, 2026
Details
$25,000; As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
OLDER USED AUTO (2015 or older) - Max
7.65%
73 - 84 months
▼
APR7.65%
Term73 - 84 months
Last UpdatedMay 10, 2026
Details
$25,000; As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.79%
72 Months
▼
APR7.79%
Term72 Months
Last UpdatedMay 7, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
8.24%
48 Months
▼
APR8.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
8.25%
108 Months
▼
APR8.25%
Term108 Months
Last UpdatedMay 2, 2026
Details
As Low As
Powered by
MonitorBankRates
Olympia, WA Auto Loan Rate Trends
Compare local Olympia, 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.
New Auto Loan — WA Avg
5.794%
▲ 0.191 vs 7 days ago
Washington new auto rates rose 0.191 points over the past 7 days to 5.794% APR.
Used Auto Loan — WA Avg
6.657%
▲ 0.020 vs 7 days ago
Washington used auto rates rose 0.020 points over the past 7 days to 6.657% APR.
As of May 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Olympia, 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 Olympia, 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 Olympia, 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.
What are the best Auto Loan rates in Olympia, Washington?
Based on our current data, some of the lowest auto loan rates available in Olympia, Washington include:
- Our Community Credit Union: 5.24% (New or Used Auto)
- OlyFed Olympia Federal S&L: 7.54% (New, Used or Classic Vehicle Loan)
- LONGSHOREMENS LOCAL 4: 1.99% (New vehicle)
- Waterfront Federal Credit Union: 3.64% (New & Used Autos (2021 & Newer))
- Delta Schools Federal Credit Union: 3.99% (New Vehicles Model Year 2025-2026)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Olympia, Washington. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 10, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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