Saint John, Washington Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Saint John, Washington auto loan rates from lenders serving Washington range from 1.99% to 6.34% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Saint John, Washington include Longshoremen's Local 4 FCULongshoremen's Local 4 FCUA+5.0 ★Texas Ratio: 0.67% offering New vehicle Loan at 1.99%, Spokane City Credit UnionSpokane City Credit UnionA+5.0 ★Texas Ratio: 0.74% offering Autos and Motorcycles at 3.79%, Responders Emergency Services Credit UnionResponders Emergency Services Credit UnionA+5.0 ★Texas Ratio: 0.03% offering New & Used Automobiles at 3.79%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, Delta Schools Federal Credit UnionDelta Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.02% offering New Vehicles Model Year 2025-2026 Loan at 3.99%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Saint John borrowers have access to 46 lenders serving the Washington area, with auto loan rates as low as 1.99% APR from Longshoremen's Local 4 FCU. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Saint John, Washington. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Saint John, Washington & Surrounding Area
Saint John Auto Loan Rates
As low as
Published APR range: 1.99% to 8.75%; Published rate range: 1.99% to 8.75%.
- Oct 1, 20261.99%▼ from 8.75%
- Sep 18, 20268.75%▲ from 1.99%
- Sep 14, 20261.99%first recorded
Published APR range: 3.79% to 18.00%.
As Low As; 7 years or newer model years.
- Oct 10, 20263.79%▼ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; 7 model years or newer.
Published APR range: 4.00% - 18%. Secured loan
As low as
Featured rate card; no term stated in source content
Published APR range: 4.24 - 18%. Rates are based on credit history, credit qualifications, and loan term
As Low As
As Low As
Published APR range: 4.24% - 18.00%. Up to 115% Book Value or purchase price, depending on credit quality.
Published APR range: 4.25% - 16.75%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026
As low as
As Low As
As Low As; Rates subject to change.
As low as; Loan rates
0% down OAC
up to 10 years old; 0% down OAC
As Low As
As Low As
FOR A LIMITED TIME ONLY FLAT RATES AS LOW AS 4.49% APR*. Purchase or refinance a new or used vehicle with OURCU and put competitive rates to work for your budget. Offer valid on eligible vehicle purchases and refinances from other financial institutions. Current OURCU auto loans are not eligible. Eligible vehicles must be model year 2020 or newer with fewer than 100,000 miles. Promotion ends October 31, 2026.
Term: Up to 84-month term available; Published APR range: 4.50% to 16.75%. 2024 and newer. Loan to value based on MSRP or NADA retail.
Term: Up to 84-month term available; Published APR range: 4.50% to 16.75%. 2023 and older. Loan to value based on NADA retail.
As Low As
As Low As; Rates subject to change.
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
Published APR range: 4.74% - 17.99%. APR range disclosed; actual APR based on credit history and loan term; Loan Rates effective as of February 18, 2026; Preferred rates and terms on new and used Battery Electric EVs, Plug-In Hybrids, and Gas-Electric Hybrids
Published APR range: 4.74% - 17.99%. APR range; actual APR based on credit history and loan term
Published APR range: 4.74% - 16.75%. As Low As
$20,000; Minimum loan $20,000
Published APR range: 4.74 - 13.24%.
Published APR range: 4.74% - 15.49%.
Published APR range: 4.74% - 13.99%.
As Low As
As Low As; Rates subject to change.
Published APR range: 4.85% - 17.35%. Up to 100% LTV; Mileage maximum: 150,000
FOR A LIMITED TIME ONLY FLAT RATES AS LOW AS 4.49% APR*. Purchase or refinance a new or used vehicle with OURCU and put competitive rates to work for your budget. Offer valid on eligible vehicle purchases and refinances from other financial institutions. Current OURCU auto loans are not eligible. Eligible vehicles must be model year 2020 or newer with fewer than 100,000 miles. Promotion ends October 31, 2026.
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
As Low As
Published APR range: 4.99% - 9.44%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed
Published APR range: 4.99% - 9.44%.
Published APR range: 4.99% - 15.24%. Fixed APR; $50 document preparation fee required; APR reflects discounts up to 0.50%
- Oct 5, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Payment Example: $10,000 loan at 5.24% for 60 months - $189.81/month
As Low As; Payment Example: $10,000 loan at 5.24% for 60 months - $189.81/month
Published APR range: 4.99 - 14.24%.
Published APR range: 4.99 - 13.49%.
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 3; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 4; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
Published APR range: 5.00% - 18%. Secured loan
Published APR range: 5.00% - 17.50%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026
Min. Loan Amount: $500; APR range: 5.04% - 15.69%; Auto loan rates based on credit history and credit qualifications
Model year: 2016-2019; APR range: 5.14% - 9.84% (fixed); Estimated minimum
APR range 5.14% - 9.84% (fixed); Estimated minimum
Published APR range: 5.14% - 9.84%.
As Low As
- Sep 27, 20265.15%▲ from 4.85%
- Sep 14, 20264.85%first recorded
As low as
$25,000; Minimum loan $25,000
FOR A LIMITED TIME ONLY FLAT RATES AS LOW AS 4.49% APR*. Purchase or refinance a new or used vehicle with OURCU and put competitive rates to work for your budget. Offer valid on eligible vehicle purchases and refinances from other financial institutions. Current OURCU auto loans are not eligible. Eligible vehicles must be model year 2020 or newer with fewer than 100,000 miles. Promotion ends October 31, 2026.
Term: Up to 48 months (4 years)
Published APR range: 5.21% - 13.21%. Estimated payment: $601 a month for 36 months, $20,000 loan at 5.21%
Published APR range: 5.220% to 17.470%. Rate printed as range 5.220% to 17.470% APR*; rate will vary based on term; Purchase New Vehicles: Up to 125% LTV of NADA, MSRP Value or purchase price whichever is less; Purchase Used Vehicles: Up to 125% LTV of NADA Average Retail value or purchase price whichever is less; Refinance: Up to 100% LTV (cash out) of NADA Avg Retail value; Maximum loan not to exceed 125% LTV of MSRP or NADA value including taxes, license, GAP and extended warranty
Financing: 100% MSRP or High KBB
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
Featured rate card; no term stated in source content
Published APR range: 5.24 - 18%. Rates are based on credit history, credit qualifications, and loan term
Published APR range: 5.24% - 9.89%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed
Published APR range: 5.24% - 9.89%.
Min. Loan Amount: $5,000; APR range: 5.24% - 15.79%; Auto loan rates based on credit history and credit qualifications
Published APR range: 5.24% - 13.74%.
Published APR range: 5.24 - 14.49%.
Published APR range: 5.24% to 17.15%.
Published APR range: 5.24% - 15.24%.
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 5; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▼ from 5.75%
- Oct 8, 20265.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As
As Low As; Rates subject to change.
Minimum loan $20,000
$100,000; Published APR range: 5.30 - 13.60%.
Example payment calculation; Loan rates
Published APR range: 5.34% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Min. Loan Amount: $6,000; APR range: 5.34% - 15.89%; Auto loan rates based on credit history and credit qualifications
As Low As
As Low As; Rates subject to change.
Model year: 2016-2019; APR range: 5.39% - 10.19% (fixed); Estimated minimum
APR range 5.39% - 10.19% (fixed); Estimated minimum
Published APR range: 5.39% - 10.19%. 72-month term for model years 2016-2019 requires a minimum $12,000 loan amount
$100,000; Published APR range: 5.40 - 14.14%.
$100,000; Published APR range: 5.43 - 13.73%.
Published APR range: 5.44% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Published APR range: 5.44% - 20.44%.
Min. Loan Amount: $10,000; APR range: 5.44% - 15.99%; Auto loan rates based on credit history and credit qualifications
Term: 49 to 60 months (5 years)
As Low As
- Sep 27, 20265.45%▲ from 5.10%
- Sep 14, 20265.10%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Financing: 100% High KBB
Financing: 100% MSRP or High KBB
Published APR range: 5.49% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
Published APR range: 5.49% to 14.49%. Fixed rate, terms up to 72 months with no more than 12,000 miles.
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
0% down OAC
up to 10 years old; 0% down OAC
As Low As
Published APR range: 5.49% - 20.84%.
Published APR range: 5.49% - 10.14%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed
Published APR range: 5.49% - 10.14%. New and Used Auto 84-month term requires a minimum $15,000 loan amount
Published APR range: 5.49% - 8.74%. New vehicles have never been titled or licensed and used vehicles up to 1 year old; Rates increase without automatic payment; Rates decrease for hybrid and EV loans
Published APR range: 5.49% - 14.74%.
Published APR range: 5.49% - 13.99%.
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 6; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▼ from 6.00%
- Oct 8, 20266.00%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
Term: 49 - 60 months months; Published APR range: 5.50% - 17.99%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026
As Low As
- Oct 7, 20265.54%▲ from 5.04%
- Sep 15, 20265.04%first recorded
$100,000; Published APR range: 5.54 - 14.27%.
Published APR range: 5.59% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
Minimum loan $25,000
Published APR range: 5.60% - 17.99%. Up to 100% LTV; Mileage maximum: 150,000
Published APR range: 5.64% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Max mileage 150k / 200k Diesel
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Published APR range: 5.69% - 17.99%. Interest rate will decrease by .25% if enrolled with credit union automatic payments; Interest rate increases by 1.0% if the vehicle is more than 10 model years old; Interest rate increases by 1.0% if the vehicle has mileage of 125,000 or more
As Low As; Terms: See Terms; Apply Now
- Oct 9, 20265.69%▲ from 5.54%
- Sep 18, 20265.54%first recorded
As Low As; Interest Rate As Low As column; see Terms
- Oct 13, 20265.69%▲ from 5.54%
- Sep 14, 20265.54%first recorded
Min. Loan Amount: $15,000; APR range: 5.69% - 16.09%; Auto loan rates based on credit history and credit qualifications
- Sep 26, 20265.69%▲ from 5.49%
- Sep 18, 20265.49%first recorded
Term: 61 to 72 months (6 years)
Financing: 100% High KBB
Financing: 100% MSRP or High KBB
Published APR range: 5.74% to 14.74%. Fixed rate, terms up to 72 months on vehicles up to 10 years old.
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
Published APR range: 5.74% - 8.99%. Used vehicles that have been titled or licensed and are 2 years old and older; Rates increase without automatic payment; Rates decrease for hybrid and EV loans
Published APR range: 5.74% - 14.99%.
Published APR range: 5.74% - 16.99%. Estimated Monthly Payment Examples: $288.18 a month based on 5 year term, $15,000 loan at 5.74% APR. Personal and auto loan rates include a .25% discount for auto-pay.
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 7; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▼ from 6.25%
- Oct 8, 20266.25%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
As Low As
Published APR range: 5.75% to 17.65%.
Published APR range: 5.77% - 13.77%. Estimated payment: $468 a month for 48 months, $20,000 loan at 5.77%
As low as
As low as
Published APR range: 5.79% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
Published APR range: 5.79% - 20.74%.
As Low As
- Oct 7, 20265.80%▲ from 5.30%
- Sep 15, 20265.30%first recorded
Max mileage 150k / 200k Diesel
APR range 5.84% - 11.49% (fixed); Estimated minimum
Published APR range: 5.84% - 11.49%. New and Used Auto 84-month term requires a minimum $15,000 loan amount; 84-month term offered on model years 2020-2022 only
Published APR range: 5.93% - 13.93%. Estimated payment: $386 a month for 60 months, $20,000 loan at 5.93%
As Low As; Terms: See Terms; Apply Now
- Oct 9, 20265.94%▲ from 5.79%
- Sep 18, 20265.79%first recorded
As Low As; Interest Rate As Low As column; see Terms
- Oct 13, 20265.94%▲ from 5.79%
- Sep 14, 20265.79%first recorded
Term: Loans over $35K up to 84 months
As Low As
As Low As; Rates subject to change.
Financing: 100% High KBB
Financing: 100% MSRP or High KBB
Published APR range: 5.99% to 14.99%. Fixed rate, terms up to 84 months with no more than 12,000 miles.
Published APR range: 5.99% to 14.99%. 84 months available under certain conditions.
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
Published APR range: 5.99% - 14.14%. Estimated payment: $331 a month for 72 months, $20,000 loan at 5.99%; Minimum loan amount $10,000
Published APR range: 5.99% - 21.94%.
Published APR range: 5.99 - 8.74%.
Published APR range: 5.99% - 17.74%. Estimated Monthly Payment Examples: $289.92 a month based on 5 year term, $15,000 loan at 5.99% APR. Personal and auto loan rates include a .25% discount for auto-pay.
Vehicle year 2025 - 2026; Maximum Term in Years: 3
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Vehicle year 2025 - 2026; Maximum Term in Years: 4
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Term: 61 - 72 months ($15,000 or higher); Published APR range: 6.00% - 17.99%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026
As Low As
As Low As
- Oct 7, 20266.04%▲ from 5.54%
- Sep 15, 20265.54%first recorded
Published APR range: 6.10% - 17.99%. Up to 100% LTV; Mileage maximum: 150,000
As Low As
- Oct 7, 20266.12%▲ from 5.62%
- Sep 15, 20265.62%first recorded
Vehicle Age: 2020+; Loan Amount: No Minimum
- Oct 10, 20266.14%▲ from 5.74%
- Sep 18, 20265.74%first recorded
Vehicle Age: 2020+; Loan Amount: No Minimum
- Oct 10, 20266.14%▲ from 5.74%
- Sep 18, 20265.74%first recorded
Vehicle Age: 2020+; Loan Amount: No Minimum
- Oct 10, 20266.14%▲ from 5.74%
- Sep 18, 20265.74%first recorded
Published APR range: 6.19% - 21.14%.
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Financing: 100% High KBB
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
As Low As; Terms: See Terms; Apply Now
- Oct 9, 20266.24%▲ from 6.09%
- Sep 18, 20266.09%first recorded
As Low As; Interest Rate As Low As column; see Terms
- Oct 13, 20266.24%▲ from 6.09%
- Sep 14, 20266.09%first recorded
APR (Minimum) 6.24%; APR (Maximum) 16.49%
Vehicle year 2025 - 2026; Maximum Term in Years: 5
- Oct 12, 20266.25%▲ from 5.75%
- Oct 8, 20265.75%first recorded
APR* (standard)
- Oct 12, 20266.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
APR* (standard)
- Oct 12, 20266.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
Published APR range: 6.25% to 18.15%.
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
As Low As
- Oct 7, 20266.30%▲ from 5.80%
- Sep 15, 20265.80%first recorded
Published APR range: 6.34% to 19.99%.
Saint John New Auto Auto Loan Rates
As low as
As Low As; 7 years or newer model years.
- Oct 10, 20263.79%▼ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; 7 model years or newer.
Published APR range: 4.00% - 18%. Secured loan
As low as
Featured rate card; no term stated in source content
Published APR range: 4.24 - 18%. Rates are based on credit history, credit qualifications, and loan term
Published APR range: 4.24% - 18.00%. Up to 115% Book Value or purchase price, depending on credit quality.
Published APR range: 4.25% - 16.75%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026
As Low As
As Low As; Rates subject to change.
As low as; Loan rates
0% down OAC
Term: Up to 84-month term available; Published APR range: 4.50% to 16.75%. 2024 and newer. Loan to value based on MSRP or NADA retail.
As Low As
As Low As; Rates subject to change.
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
Published APR range: 4.74% - 17.99%. APR range disclosed; actual APR based on credit history and loan term; Loan Rates effective as of February 18, 2026; Preferred rates and terms on new and used Battery Electric EVs, Plug-In Hybrids, and Gas-Electric Hybrids
$20,000; Minimum loan $20,000
Published APR range: 4.74 - 13.24%.
Published APR range: 4.74% - 15.49%.
Published APR range: 4.74% - 13.99%.
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
Published APR range: 4.99% - 9.44%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed
Published APR range: 4.99% - 9.44%.
As Low As; Payment Example: $10,000 loan at 5.24% for 60 months - $189.81/month
Published APR range: 4.99 - 14.24%.
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 3; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 4; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
Published APR range: 5.00% - 17.50%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026
Min. Loan Amount: $500; APR range: 5.04% - 15.69%; Auto loan rates based on credit history and credit qualifications
$25,000; Minimum loan $25,000
Term: Up to 48 months (4 years)
Published APR range: 5.21% - 13.21%. Estimated payment: $601 a month for 36 months, $20,000 loan at 5.21%
Published APR range: 5.220% to 17.470%. Rate printed as range 5.220% to 17.470% APR*; rate will vary based on term; Purchase New Vehicles: Up to 125% LTV of NADA, MSRP Value or purchase price whichever is less; Purchase Used Vehicles: Up to 125% LTV of NADA Average Retail value or purchase price whichever is less; Refinance: Up to 100% LTV (cash out) of NADA Avg Retail value; Maximum loan not to exceed 125% LTV of MSRP or NADA value including taxes, license, GAP and extended warranty
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
Published APR range: 5.24% - 9.89%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed
Published APR range: 5.24% - 9.89%.
Min. Loan Amount: $5,000; APR range: 5.24% - 15.79%; Auto loan rates based on credit history and credit qualifications
Published APR range: 5.24% - 13.74%.
Published APR range: 5.24% to 17.15%.
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 5; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▼ from 5.75%
- Oct 8, 20265.75%first recorded
$100,000; Published APR range: 5.30 - 13.60%.
Example payment calculation; Loan rates
Published APR range: 5.34% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Min. Loan Amount: $6,000; APR range: 5.34% - 15.89%; Auto loan rates based on credit history and credit qualifications
$100,000; Published APR range: 5.43 - 13.73%.
Published APR range: 5.44% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Published APR range: 5.44% - 20.44%.
Min. Loan Amount: $10,000; APR range: 5.44% - 15.99%; Auto loan rates based on credit history and credit qualifications
Term: 49 to 60 months (5 years)
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Published APR range: 5.49% to 14.49%. Fixed rate, terms up to 72 months with no more than 12,000 miles.
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
0% down OAC
Published APR range: 5.49% - 20.84%.
Published APR range: 5.49% - 10.14%. Vehicle model year: 2023 & Newer; Fixed APR; APR range as printed
Published APR range: 5.49% - 10.14%. New and Used Auto 84-month term requires a minimum $15,000 loan amount
Published APR range: 5.49% - 8.74%. New vehicles have never been titled or licensed and used vehicles up to 1 year old; Rates increase without automatic payment; Rates decrease for hybrid and EV loans
Published APR range: 5.49% - 14.74%.
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 6; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▼ from 6.00%
- Oct 8, 20266.00%first recorded
Term: 49 - 60 months months; Published APR range: 5.50% - 17.99%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026
Published APR range: 5.64% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications
Published APR range: 5.69% - 17.99%. Interest rate will decrease by .25% if enrolled with credit union automatic payments; Interest rate increases by 1.0% if the vehicle is more than 10 model years old; Interest rate increases by 1.0% if the vehicle has mileage of 125,000 or more
Min. Loan Amount: $15,000; APR range: 5.69% - 16.09%; Auto loan rates based on credit history and credit qualifications
- Sep 26, 20265.69%▲ from 5.49%
- Sep 18, 20265.49%first recorded
Term: 61 to 72 months (6 years)
Published APR range: 5.74% - 16.99%. Estimated Monthly Payment Examples: $288.18 a month based on 5 year term, $15,000 loan at 5.74% APR. Personal and auto loan rates include a .25% discount for auto-pay.
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 7; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▼ from 6.25%
- Oct 8, 20266.25%first recorded
As Low As
Published APR range: 5.75% to 17.65%.
Published APR range: 5.77% - 13.77%. Estimated payment: $468 a month for 48 months, $20,000 loan at 5.77%
As low as
As low as
Published APR range: 5.93% - 13.93%. Estimated payment: $386 a month for 60 months, $20,000 loan at 5.93%
Term: Loans over $35K up to 84 months
As Low As
As Low As; Rates subject to change.
Published APR range: 5.99% to 14.99%. Fixed rate, terms up to 84 months with no more than 12,000 miles.
Published APR range: 5.99% - 14.14%. Estimated payment: $331 a month for 72 months, $20,000 loan at 5.99%; Minimum loan amount $10,000
Published APR range: 5.99% - 21.94%.
Published APR range: 5.99 - 8.74%.
Vehicle year 2025 - 2026; Maximum Term in Years: 3
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Vehicle year 2025 - 2026; Maximum Term in Years: 4
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Term: 61 - 72 months ($15,000 or higher); Published APR range: 6.00% - 17.99%. APR Range*; Up to 125% LTV; Mileage maximum: 150,000; Rates effective as of 6/30/2026
As Low As
As Low As
- Oct 7, 20266.04%▲ from 5.54%
- Sep 15, 20265.54%first recorded
Vehicle Age: 2020+; Loan Amount: No Minimum
- Oct 10, 20266.14%▲ from 5.74%
- Sep 18, 20265.74%first recorded
Vehicle Age: 2020+; Loan Amount: No Minimum
- Oct 10, 20266.14%▲ from 5.74%
- Sep 18, 20265.74%first recorded
Vehicle Age: 2020+; Loan Amount: No Minimum
- Oct 10, 20266.14%▲ from 5.74%
- Sep 18, 20265.74%first recorded
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
APR (Minimum) 6.24%; APR (Maximum) 16.49%
Vehicle year 2025 - 2026; Maximum Term in Years: 5
- Oct 12, 20266.25%▲ from 5.75%
- Oct 8, 20265.75%first recorded
Published APR range: 6.25% to 18.15%.
As Low As
- Oct 7, 20266.30%▲ from 5.80%
- Sep 15, 20265.80%first recorded
Saint John Used Auto Auto Loan Rates
Published APR range: 1.99% to 8.75%; Published rate range: 1.99% to 8.75%.
- Oct 1, 20261.99%▼ from 8.75%
- Sep 18, 20268.75%▲ from 1.99%
- Sep 14, 20261.99%first recorded
As Low As; 7 years or newer model years.
- Oct 10, 20263.79%▼ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; 7 model years or newer.
Published APR range: 4.24% - 18.00%. Up to 115% Book Value or purchase price, depending on credit quality.
up to 10 years old; 0% down OAC
Term: Up to 84-month term available; Published APR range: 4.50% to 16.75%. 2023 and older. Loan to value based on NADA retail.
Published APR range: 4.74% - 17.99%. APR range disclosed; actual APR based on credit history and loan term; Loan Rates effective as of February 18, 2026; Preferred rates and terms on new and used Battery Electric EVs, Plug-In Hybrids, and Gas-Electric Hybrids
Published APR range: 4.74% - 16.75%. As Low As
Published APR range: 4.74% - 13.99%.
As Low As
As Low As; Rates subject to change.
Published APR range: 4.85% - 17.35%. Up to 100% LTV; Mileage maximum: 150,000
As Low As; Payment Example: $10,000 loan at 5.24% for 60 months - $189.81/month
Published APR range: 4.99 - 13.49%.
Published APR range: 5.00% - 18%. Secured loan
Model year: 2016-2019; APR range: 5.14% - 9.84% (fixed); Estimated minimum
APR range 5.14% - 9.84% (fixed); Estimated minimum
Published APR range: 5.14% - 9.84%.
As low as
Term: Up to 48 months (4 years)
Published APR range: 5.21% - 13.21%. Estimated payment: $601 a month for 36 months, $20,000 loan at 5.21%
Published APR range: 5.220% to 17.470%. Rate printed as range 5.220% to 17.470% APR*; rate will vary based on term; Purchase New Vehicles: Up to 125% LTV of NADA, MSRP Value or purchase price whichever is less; Purchase Used Vehicles: Up to 125% LTV of NADA Average Retail value or purchase price whichever is less; Refinance: Up to 100% LTV (cash out) of NADA Avg Retail value; Maximum loan not to exceed 125% LTV of MSRP or NADA value including taxes, license, GAP and extended warranty
Featured rate card; no term stated in source content
Published APR range: 5.24 - 18%. Rates are based on credit history, credit qualifications, and loan term
Published APR range: 5.24 - 14.49%.
Published APR range: 5.24% - 15.24%.
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As
As Low As; Rates subject to change.
Minimum loan $20,000
As Low As
As Low As; Rates subject to change.
Model year: 2016-2019; APR range: 5.39% - 10.19% (fixed); Estimated minimum
APR range 5.39% - 10.19% (fixed); Estimated minimum
Published APR range: 5.39% - 10.19%. 72-month term for model years 2016-2019 requires a minimum $12,000 loan amount
$100,000; Published APR range: 5.40 - 14.14%.
Term: 49 to 60 months (5 years)
Published APR range: 5.49% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
up to 10 years old; 0% down OAC
Published APR range: 5.49% - 13.99%.
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
$100,000; Published APR range: 5.54 - 14.27%.
Published APR range: 5.59% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
Minimum loan $25,000
Published APR range: 5.60% - 17.99%. Up to 100% LTV; Mileage maximum: 150,000
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Published APR range: 5.69% - 17.99%. Interest rate will decrease by .25% if enrolled with credit union automatic payments; Interest rate increases by 1.0% if the vehicle is more than 10 model years old; Interest rate increases by 1.0% if the vehicle has mileage of 125,000 or more
Term: 61 to 72 months (6 years)
Published APR range: 5.74% to 14.74%. Fixed rate, terms up to 72 months on vehicles up to 10 years old.
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
Published APR range: 5.74% - 8.99%. Used vehicles that have been titled or licensed and are 2 years old and older; Rates increase without automatic payment; Rates decrease for hybrid and EV loans
Published APR range: 5.74% - 14.99%.
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
As Low As
Published APR range: 5.77% - 13.77%. Estimated payment: $468 a month for 48 months, $20,000 loan at 5.77%
Published APR range: 5.79% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications
APR range 5.84% - 11.49% (fixed); Estimated minimum
Published APR range: 5.84% - 11.49%. New and Used Auto 84-month term requires a minimum $15,000 loan amount; 84-month term offered on model years 2020-2022 only
Published APR range: 5.93% - 13.93%. Estimated payment: $386 a month for 60 months, $20,000 loan at 5.93%
Term: Loans over $35K up to 84 months
Published APR range: 5.99% to 14.99%. 84 months available under certain conditions.
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
Published APR range: 5.99% - 14.14%. Estimated payment: $331 a month for 72 months, $20,000 loan at 5.99%; Minimum loan amount $10,000
Published APR range: 5.99% - 17.74%. Estimated Monthly Payment Examples: $289.92 a month based on 5 year term, $15,000 loan at 5.99% APR. Personal and auto loan rates include a .25% discount for auto-pay.
As Low As
Published APR range: 6.10% - 17.99%. Up to 100% LTV; Mileage maximum: 150,000
As Low As; Terms based on amount financed and model year of collateral; Maximum amount financed up to 110% of NADA average retail including tax and license
APR* (standard)
- Oct 12, 20266.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
APR* (standard)
- Oct 12, 20266.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
Published APR range: 6.34% to 19.99%.
Saint John, WA Auto Loan Rate Trends
Compare local Saint John, 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 0.050 points over the past 7 days to 5.231% APR.
Washington used auto rates rose 0.019 points over the past 7 days to 5.727% APR.
Saint John, WA Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Washington figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Washington APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.23% APR WA average | Used Auto @ 5.73% APR WA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.66/mo | $288.09/mo | $3.44/mo |
| $25,000 | $474.43/mo | $480.16/mo | $5.73/mo |
| $35,000 | $664.20/mo | $672.22/mo | $8.02/mo |
| $45,000 | $853.98/mo | $864.28/mo | $10.31/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Saint John, Washington
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Saint John, Washington locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Washington. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Saint John, Washington high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Saint John, Washington CD rates lock in a guaranteed return until you’re ready to buy
Washington Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $569 monthly car payment works out to roughly 12.5% of the median individual income in Washington. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Saint John, Washington, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Saint John, Washington. We’ve prefilled the APR with today’s WA new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saint John, 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 Saint John, 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 Saint John, Washington. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in WA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Saint John, Washington
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Saint John, Washington
How does my credit score affect my car loan rate in Washington?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Saint John, Washington?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Saint John, Washington?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Saint John, Washington?
- Longshoremen's Local 4 FCU: 1.99% (New vehicle Loan)
- Spokane City Credit Union: 3.79% (Autos and Motorcycles)
- Responders Emergency Services Credit Union: 3.79% (New & Used Automobiles)
- Navy Federal Credit Union: 3.89% (New Auto Loan)
- Delta Schools Federal Credit Union: 3.99% (New Vehicles Model Year 2025-2026 Loan)
Saint John, Washington Rates & Resources
