Auto Loan Rates in Spokane, Washington (WA) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Spokane, Washington. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Spokane, Washington include Safeway Federal Credit UnionSafeway Federal Credit Union529 E North Foothills Dr, Spokane, WA, 99207A+5.0 ★Texas Ratio: 3.68% offering New Cars at 4.49%, Cheney Federal Credit UnionCheney Federal Credit Union10505 W Westbow Rd, Spokane, WA, 99224 7434A+5.0 ★Texas Ratio: 1.30% offering New Auto/Truck Loan at 4.99%, Idaho Central Credit UnionIdaho Central Credit Union41 W Riverside Ave, Spokane, WA, 99201A+5.0 ★Texas Ratio: 4.09% offering Auto Loan at 5.44%, Gesa Credit UnionGesa Credit Union9625 N Newport Hwy, Spokane, WA, 99218A+5.0 ★Texas Ratio: 4.63% offering New Auto Loan at 5.74%, Progressions Credit UnionProgressions Credit Union2919 E Mission AVE, Spokane, WA, 99202 3624A+5.0 ★Texas Ratio: 1.02% offering Classic Autos at 7.75%.
Auto loan rates in Spokane, Washington are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Spokane, Washington. Auto Loan Rates Last Updated and Verified: March 20, 2026
Compare Auto Loan Rates Today in Spokane, Washington & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 17, 2026
Details
0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
Used Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 17, 2026
Details
up to 10 years old; 0% down OAC
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
New Auto/Truck Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; Fixed rate, terms up to 72 months with no more than 12,000 miles.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA, 99201
Auto Loan
5.44%
48 Months
▼
APR5.44%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 17, 2026
Details
0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
Used Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 17, 2026
Details
up to 10 years old; 0% down OAC
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA, 99201
Auto Loan
5.69%
60 Months
▼
APR5.69%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
Used Auto/Truck Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; Fixed rate, terms up to 72 months on vehicles up to 10 years old.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
New Auto Loan
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
New Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 16, 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%
10505 W Westbow Rd, Spokane, WA, 99224 7434
Used Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As; 84 months available under certain conditions.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
41 W Riverside Ave, Spokane, WA, 99201
Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 20, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
Older Used Cars
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
11-18 years old; requires 10% down
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedMar 20, 2026
Details
Progressions Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
2919 E Mission AVE, Spokane, WA, 99202 3624
Classic Autos
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMar 17, 2026
Details
Available up to 72 months OAC
Progressions Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
2919 E Mission AVE, Spokane, WA, 99202 3624
AUTOS & TRUCKS
8.99%
48 Months
▼
APR8.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
Available up to 48 months OAC
Progressions Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
2919 E Mission AVE, Spokane, WA, 99202 3624
AUTOS & TRUCKS
17.99%
48 Months
▼
APR17.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
Available up to 48 months OAC
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
1209 Ingalls St, Vancouver, WA, 98660 2722
New vehicle
1.99%
Up to 84 months
▼
APR1.99%
TermUp to 84 months
Last UpdatedMar 17, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
6419 Fauntleroy Way SW, Seattle, WA, 98136
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMar 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
3049 S 36th St, Tacoma, WA, 98409
New Auto
4.00%
24 to 84 months
▼
APR4.00%
Term24 to 84 months
Last UpdatedMar 16, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 16, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
4550 S 134th Pl, Tukwila, WA, 98168
New Vehicles
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedMar 17, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
3213 W 19th Ave, Kennewick, WA, 99337
New & Used Auto
4.24%
up to 84 months
▼
APR4.24%
Termup to 84 months
Last UpdatedMar 15, 2026
Details
Up to 115% Book Value or purchase price, depending on credit quality.
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026)
4.25%
0 - 36
▼
APR4.25%
Term0 - 36
Last UpdatedMar 20, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
1451 15th St, Clarkston, WA, 99403
Autos
4.25%
Up to 96 Months
▼
APR4.25%
TermUp to 96 Months
Last UpdatedMar 20, 2026
Details
As Low As
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 0 - 36 Months
4.46%
36 Months
▼
APR4.46%
Term36 Months
Last UpdatedMar 15, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New Vehicle Loans 36 Months
4.46%
36 Months
▼
APR4.46%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 13, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto (2021 and Newer)
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedMar 16, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
6419 Fauntleroy Way SW, Seattle, WA, 98136
Used Autos (2020 & Older)
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMar 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 13, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1301 HIGHLAND AVE, CLARKSTON, WA, 99403
Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Auto Loan (vehicle year 2022 - 2026)
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR*
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
220 S Lincoln St, Port Angeles, WA, 98362 3003
New & Used Vehicles
4.75%
Up to 96 months
▼
APR4.75%
TermUp to 96 months
Last UpdatedMar 15, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
New Auto Purchase or Refinance
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedMar 15, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022)
4.85%
0 - 36
▼
APR4.85%
Term0 - 36
Last UpdatedMar 20, 2026
Details
APR Range: 17.35%; Up to 100% LTV/Mileage maximum: 150,000
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1301 HIGHLAND AVE, CLARKSTON, WA, 99403
Auto Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto (2021 and Newer)
4.99%
5 years
▼
APR4.99%
Term5 years
Last UpdatedMar 16, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
Used Auto Purchase or Refinance
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 15, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Auto Loan (vehicle year 2022 - 2026)
5.00%
5 Months
▼
APR5.00%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR*
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
3049 S 36th St, Tacoma, WA, 98409
Used Auto
5.00%
24 to 84 months
▼
APR5.00%
Term24 to 84 months
Last UpdatedMar 16, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026)
5.00%
37 - 48
▼
APR5.00%
Term37 - 48
Last UpdatedMar 20, 2026
Details
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
1328 Broadway, Everett, WA, 98201 1718
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 20, 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%
1328 Broadway, Everett, WA, 98201 1718
Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 2026
Details
2023 and older. Up to 72-month term available. Loan to value based on NADA retail.
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
New Auto Purchase or Refinance
5.00%
61-72 months
▼
APR5.00%
Term61-72 months
Last UpdatedMar 15, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loan
5.04%
36 Months
▼
APR5.04%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA, 98032 4009
New Cars
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMar 17, 2026
Details
2025-2026 models with less
than 7,500 miles.
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedMar 16, 2026
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
1100 Dupont St, Bellingham, WA, 98225 3113
New / Used Vehicles
5.22%
1 to 84 Months
▼
APR5.22%
Term1 to 84 Months
Last UpdatedMar 15, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto (2021 and Newer)
5.24%
6 years
▼
APR5.24%
Term6 years
Last UpdatedMar 16, 2026
Details
As Low As
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
4550 S 134th Pl, Tukwila, WA, 98168
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
10200 Silverdale Way NW, Silverdale, WA, 98383
New Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 16, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
526 W Cedar St, Shelton, WA, 98584
New or Used Auto
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 15, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
Used Auto Purchase or Refinance
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedMar 15, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Auto Loan (vehicle year 2022 - 2026)
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR*
Community Healthcare Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
2531 Wetmore Ave, Everett, WA, 98201
New Auto - 2020 and newer
5.25%
60 - 84 Months
▼
APR5.25%
Term60 - 84 Months
Last UpdatedMar 18, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
New Auto Purchase or Refinance
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedMar 15, 2026
Details
As Low As
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA, 98683 9510
New Autos (2025 or Newer)
5.29%
Up to 36 months
▼
APR5.29%
TermUp to 36 months
Last UpdatedMar 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loan
5.30%
48 Months
▼
APR5.30%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
NEW AUTO - Max
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMar 17, 2026
Details
$100,000; As Low As; *See Below
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA, 98032 4009
Used Cars
5.34%
84 Months
▼
APR5.34%
Term84 Months
Last UpdatedMar 17, 2026
Details
2017-2025 models.
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMar 16, 2026
Details
min loan $25,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
USED AUTO - Max
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedMar 17, 2026
Details
$100,000; As Low As; *See Below
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
NEW AUTO - Max
5.43%
72 Months
▼
APR5.43%
Term72 Months
Last UpdatedMar 17, 2026
Details
$100,000; As Low As; *See Below
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto (2021 and Newer)
5.49%
7 years
▼
APR5.49%
Term7 years
Last UpdatedMar 16, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto (Models 2017 - 2020)
5.49%
4 years
▼
APR5.49%
Term4 years
Last UpdatedMar 16, 2026
Details
As Low As
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 16, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA, 98683 9510
New Autos (2025 or Newer)
5.49%
37-60 months
▼
APR5.49%
Term37-60 months
Last UpdatedMar 15, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
Used Auto Purchase or Refinance
5.49%
73-84 months
▼
APR5.49%
Term73-84 months
Last UpdatedMar 15, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Auto Loan (vehicle year 2025 - 2026)
5.50%
3 Months
▼
APR5.50%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; 4.50%
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026)
5.50%
49 - 60
▼
APR5.50%
Term49 - 60
Last UpdatedMar 20, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
NEW AUTO - Max
5.53%
84 Months
▼
APR5.53%
Term84 Months
Last UpdatedMar 17, 2026
Details
$100,000; As Low As; *See Below
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loan
5.54%
36 Months
▼
APR5.54%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA, 98663
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedMar 15, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
USED AUTO - Max
5.54%
72 Months
▼
APR5.54%
Term72 Months
Last UpdatedMar 17, 2026
Details
$100,000; As Low As; *See Below
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA, 98683 9510
New Autos (2025 or Newer)
5.59%
61-66 months
▼
APR5.59%
Term61-66 months
Last UpdatedMar 15, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022)
5.60%
37 - 48
▼
APR5.60%
Term37 - 48
Last UpdatedMar 20, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loan
5.62%
60 Months
▼
APR5.62%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA, 98663
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedMar 15, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
USED AUTO - Max
5.65%
84 Months
▼
APR5.65%
Term84 Months
Last UpdatedMar 17, 2026
Details
$100,000; As Low As; *See Below
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA, 98663
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedMar 15, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
301 W Wishkah St, Aberdeen, WA, 98520 6130
Auto Loans New or Used
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMar 20, 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.
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA, 98683 9510
New Autos (2025 or Newer)
5.69%
67-75 months
▼
APR5.69%
Term67-75 months
Last UpdatedMar 15, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto (Models 2017 - 2020)
5.74%
5 years
▼
APR5.74%
Term5 years
Last UpdatedMar 16, 2026
Details
As Low As
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
New Auto
5.74%
37 to 48
▼
APR5.74%
Term37 to 48
Last UpdatedMar 20, 2026
Details
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
Used Auto
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
9706 4th Ave NE Ste 400, Seattle, WA, 98115 2199
New vehicles have never been titled or licensed and used vehicles up to 1 year old.
5.74%
Up to 84 months
▼
APR5.74%
TermUp to 84 months
Last UpdatedMar 11, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 13, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Auto Loan (vehicle year 2025 - 2026)
5.75%
5 Months
▼
APR5.75%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; 4.75%
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
5.75%
24 - 48
▼
APR5.75%
Term24 - 48
Last UpdatedMar 20, 2026
Details
As Low As
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
10200 Silverdale Way NW, Silverdale, WA, 98383
New Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 37 - 48 Months
5.77%
48 Months
▼
APR5.77%
Term48 Months
Last UpdatedMar 15, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
Used Vehicle Loans 48 Months
5.77%
48 Months
▼
APR5.77%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA, 98663
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedMar 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMar 16, 2026
Details
min loan $20,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loan
5.80%
48 Months
▼
APR5.80%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA, 98663
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedMar 15, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 49 - 60 Months
5.93%
60 Months
▼
APR5.93%
Term60 Months
Last UpdatedMar 15, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New Vehicle Loans 60 Months
5.93%
60 Months
▼
APR5.93%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Standard APR
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA, 98663
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedMar 15, 2026
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto (Models 2017 - 2020)
5.99%
6 years
▼
APR5.99%
Term6 years
Last UpdatedMar 16, 2026
Details
As Low As
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
New Auto
5.99%
49 to 60
▼
APR5.99%
Term49 to 60
Last UpdatedMar 20, 2026
Details
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
Used Auto
5.99%
37 to 48
▼
APR5.99%
Term37 to 48
Last UpdatedMar 20, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 61 - 72 Months
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
Used Vehicle Loans 72 Months
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Community Healthcare Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
2531 Wetmore Ave, Everett, WA, 98201
Used Auto - 2019 and older
5.99%
36 - 84 Months
▼
APR5.99%
Term36 - 84 Months
Last UpdatedMar 18, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA, 98661
New auto (2023 and newer)
5.99%
36-60
▼
APR5.99%
Term36-60
Last UpdatedMar 15, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA, 98683 9510
New Autos (2025 or Newer)
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedMar 15, 2026
Details
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
9706 4th Ave NE Ste 400, Seattle, WA, 98115 2199
Used vehicles that have been titled or licensed and are 2 years old and older.
5.99%
Up to 84 months
▼
APR5.99%
TermUp to 84 months
Last UpdatedMar 11, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Auto Loan (vehicle year 2025 - 2026)
6.00%
6 Months
▼
APR6.00%
Term6 Months
Last UpdatedMar 17, 2026
Details
As Low As; 5.00%
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026)
6.00%
61 - 72
▼
APR6.00%
Term61 - 72
Last UpdatedMar 20, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
6.00%
60 - 72
▼
APR6.00%
Term60 - 72
Last UpdatedMar 20, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loan
6.04%
72 Months
▼
APR6.04%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedMar 16, 2026
Details
min loan $25,000
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022)
6.10%
49 - 60
▼
APR6.10%
Term49 - 60
Last UpdatedMar 20, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loan
6.12%
60 Months
▼
APR6.12%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA, 98661
Used auto (2016-2022)
6.14%
36-60
▼
APR6.14%
Term36-60
Last UpdatedMar 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loan
6.18%
84 Months
▼
APR6.18%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
6.24%
48 months
▼
APR6.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Standard APR
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto (Models 2017 - 2020)
6.24%
7 years
▼
APR6.24%
Term7 years
Last UpdatedMar 16, 2026
Details
As Low As
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
New Auto
6.24%
61 to 72
▼
APR6.24%
Term61 to 72
Last UpdatedMar 20, 2026
Details
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
Used Auto
6.24%
49 to 60
▼
APR6.24%
Term49 to 60
Last UpdatedMar 20, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA, 98661
New auto (2023 and newer)
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMar 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
18020 80th Ave S, Kent, WA, 98032
Auto Loans
6.25%
up to 36 months
▼
APR6.25%
Termup to 36 months
Last UpdatedMar 18, 2026
Details
As Low As; Model years 2016 - 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Auto Loan (vehicle year 2025 - 2026)
6.25%
7 Months
▼
APR6.25%
Term7 Months
Last UpdatedMar 17, 2026
Details
As Low As; 5.25%
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
10200 Silverdale Way NW, Silverdale, WA, 98383
New Auto
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 16, 2026
Details
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
10200 Silverdale Way NW, Silverdale, WA, 98383
Used Auto
6.34%
60 Months
▼
APR6.34%
Term60 Months
Last UpdatedMar 16, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA, 98661
Used auto (2016-2022)
6.39%
72 Months
▼
APR6.39%
Term72 Months
Last UpdatedMar 15, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
6.49%
60 months
▼
APR6.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Standard APR
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
New Auto
6.49%
73 to 84
▼
APR6.49%
Term73 to 84
Last UpdatedMar 20, 2026
Details
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
Used Auto
6.49%
61 to 72
▼
APR6.49%
Term61 to 72
Last UpdatedMar 20, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA, 98661
New auto (2023 and newer)
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMar 15, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA, 98004 6420
New Vehicles: Model Year 2025 or newer
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMar 15, 2026
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
18020 80th Ave S, Kent, WA, 98032
Auto Loans
6.50%
37 to 48 months
▼
APR6.50%
Term37 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Model years 2016 - 2026
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026)
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedMar 20, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loan
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
18020 80th Ave S, Kent, WA, 98032
Auto Loans
6.55%
49 to 60 months
▼
APR6.55%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
As Low As; Model years 2016 - 2026
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA, 98201
Vehicle Loan
6.58%
15 years
▼
APR6.58%
Term15 years
Last UpdatedMar 20, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022)
6.60%
61 - 72
▼
APR6.60%
Term61 - 72
Last UpdatedMar 20, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 73 - 84 months
6.61%
84 Months
▼
APR6.61%
Term84 Months
Last UpdatedMar 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Auto Loan
6.68%
84 Months
▼
APR6.68%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
18020 80th Ave S, Kent, WA, 98032
Auto Loans
6.70%
61 to 72 months
▼
APR6.70%
Term61 to 72 months
Last UpdatedMar 18, 2026
Details
As Low As; Model years 2016 - 2026
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.71%
60 Months
▼
APR6.71%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
6.74%
72 months
▼
APR6.74%
Term72 months
Last UpdatedMar 18, 2026
Details
Standard APR
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
Used Auto
6.74%
73 to 84
▼
APR6.74%
Term73 to 84
Last UpdatedMar 20, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA, 98004 6420
New Vehicles: Model Year 2025 or newer
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedMar 15, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA, 98004 6420
Used Vehicles: Model Year 2024 or older
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA, 98661
Used auto (2020-2022)
6.84%
84 Months
▼
APR6.84%
Term84 Months
Last UpdatedMar 15, 2026
Details
Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
18020 80th Ave S, Kent, WA, 98032
Auto Loans
6.95%
73 to 84 months
▼
APR6.95%
Term73 to 84 months
Last UpdatedMar 18, 2026
Details
As Low As; Model years 2016 - 2026, minimum loan amount $15,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Classic Used Vehicles Model Year 1972 and Older
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA, 98004 6420
Used Vehicles: Model Year 2024 or older
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA, 98201
Vehicle Loan
7.13%
30 Years
▼
APR7.13%
Term30 Years
Last UpdatedMar 20, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
7.16%
72 Months
▼
APR7.16%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Older Used Vehicles Model Year 2015-2019
7.24%
36 Months
▼
APR7.24%
Term36 Months
Last UpdatedMar 16, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA, 98661
New auto (2023 and newer)
7.24%
96 Months
▼
APR7.24%
Term96 Months
Last UpdatedMar 15, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Vehicles 2019-2025
7.25%
4 Months
▼
APR7.25%
Term4 Months
Last UpdatedMar 17, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
7.30%
84 Months
▼
APR7.30%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022)
7.35%
73 - 84
▼
APR7.35%
Term73 - 84
Last UpdatedMar 20, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026
7.39%
96 month
▼
APR7.39%
Term96 month
Last UpdatedMar 16, 2026
Details
min loan $45,000 A+ A Credit Tier Only
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
OLDER USED AUTO (2015 or older) - Max
7.40%
60 Months
▼
APR7.40%
Term60 Months
Last UpdatedMar 17, 2026
Details
$25,000; As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Vehicles
7.50%
2 Months
▼
APR7.50%
Term2 Months
Last UpdatedMar 17, 2026
Details
As Low As; 6.500%
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Vehicles 2017-2018
7.50%
3 Months
▼
APR7.50%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.50%
96 Months
▼
APR7.50%
Term96 Months
Last UpdatedMar 20, 2026
Details
As Low As
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 UpdatedMar 15, 2026
Details
Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Classic Used Vehicles Model Year 1972 and Older
7.54%
48 Months
▼
APR7.54%
Term48 Months
Last UpdatedMar 16, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
OLDER USED AUTO (2015 or older) - Max
7.54%
72 Months
▼
APR7.54%
Term72 Months
Last UpdatedMar 17, 2026
Details
$25,000; As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
OLDER USED AUTO (2015 or older) - Max
7.65%
84 Months
▼
APR7.65%
Term84 Months
Last UpdatedMar 17, 2026
Details
$25,000; As Low As
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA, 98004 6420
New Vehicles: Model Year 2025 or newer
7.74%
84 Months
▼
APR7.74%
Term84 Months
Last UpdatedMar 15, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Vehicles
7.75%
4 Months
▼
APR7.75%
Term4 Months
Last UpdatedMar 17, 2026
Details
As Low As; 6.750%
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Classic Used Vehicles Model Year 1972 and Older
7.79%
72 Months
▼
APR7.79%
Term72 Months
Last UpdatedMar 16, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Vehicles
8.00%
5 Months
▼
APR8.00%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; 7.000%
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Older Used Vehicles Model Year 2015-2019
8.24%
48 Months
▼
APR8.24%
Term48 Months
Last UpdatedMar 16, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Vehicles
8.25%
6 Months
▼
APR8.25%
Term6 Months
Last UpdatedMar 17, 2026
Details
As Low As; 7.250%
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Vehicles
8.25%
3 Months
▼
APR8.25%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
8.25%
108 Months
▼
APR8.25%
Term108 Months
Last UpdatedMar 20, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Vehicles
8.50%
4 Months
▼
APR8.50%
Term4 Months
Last UpdatedMar 17, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Vehicles
8.75%
5 Months
▼
APR8.75%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Classic Car
8.99%
0 - 60
▼
APR8.99%
Term0 - 60
Last UpdatedMar 20, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Vehicles 2015-2016
9.50%
2 Months
▼
APR9.50%
Term2 Months
Last UpdatedMar 17, 2026
Details
As Low As
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
3213 W 19th Ave, Kennewick, WA, 99337
Dirtbikes, ATVs & Classic Cars
9.99%
up to 48 months
▼
APR9.99%
Termup to 48 months
Last UpdatedMar 15, 2026
Details
Classic cars 20-year and older models. Up to 80% of Book Value, depending on credit quality. Dirtbikes and ATVs Up to 90% of purchase price, depending on credit quality.
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 17, 2026
Details
0% down OAC
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
New Auto/Truck Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; Fixed rate, terms up to 72 months with no more than 12,000 miles.
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
New Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 17, 2026
Details
0% down OAC
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
New Auto Loan
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
New Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As; Fixed rate, terms up to 84 months with no more than 12,000 miles.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
1209 Ingalls St, Vancouver, WA, 98660 2722
New vehicle
1.99%
Up to 84 months
▼
APR1.99%
TermUp to 84 months
Last UpdatedMar 17, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
6419 Fauntleroy Way SW, Seattle, WA, 98136
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMar 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
3049 S 36th St, Tacoma, WA, 98409
New Auto
4.00%
24 to 84 months
▼
APR4.00%
Term24 to 84 months
Last UpdatedMar 16, 2026
Details
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
4550 S 134th Pl, Tukwila, WA, 98168
New Vehicles
4.24%
36-84 months
▼
APR4.24%
Term36-84 months
Last UpdatedMar 17, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
3213 W 19th Ave, Kennewick, WA, 99337
New & Used Auto
4.24%
up to 84 months
▼
APR4.24%
Termup to 84 months
Last UpdatedMar 15, 2026
Details
Up to 115% Book Value or purchase price, depending on credit quality.
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026)
4.25%
0 - 36
▼
APR4.25%
Term0 - 36
Last UpdatedMar 20, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 0 - 36 Months
4.46%
36 Months
▼
APR4.46%
Term36 Months
Last UpdatedMar 15, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New Vehicle Loans 36 Months
4.46%
36 Months
▼
APR4.46%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 13, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto (2021 and Newer)
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedMar 16, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 13, 2026
Details
As Low As
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
220 S Lincoln St, Port Angeles, WA, 98362 3003
New & Used Vehicles
4.75%
Up to 96 months
▼
APR4.75%
TermUp to 96 months
Last UpdatedMar 15, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
New Auto Purchase or Refinance
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedMar 15, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto (2021 and Newer)
4.99%
5 years
▼
APR4.99%
Term5 years
Last UpdatedMar 16, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026)
5.00%
37 - 48
▼
APR5.00%
Term37 - 48
Last UpdatedMar 20, 2026
Details
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
1328 Broadway, Everett, WA, 98201 1718
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
2024 and newer. Up to 84-month term available. Loan to value based on MSRP or NADA retail.
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
New Auto Purchase or Refinance
5.00%
61-72 months
▼
APR5.00%
Term61-72 months
Last UpdatedMar 15, 2026
Details
As Low As
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA, 98032 4009
New Cars
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMar 17, 2026
Details
2025-2026 models with less
than 7,500 miles.
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
1100 Dupont St, Bellingham, WA, 98225 3113
New / Used Vehicles
5.22%
1 to 84 Months
▼
APR5.22%
Term1 to 84 Months
Last UpdatedMar 15, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto (2021 and Newer)
5.24%
6 years
▼
APR5.24%
Term6 years
Last UpdatedMar 16, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
10200 Silverdale Way NW, Silverdale, WA, 98383
New Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 16, 2026
Details
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
526 W Cedar St, Shelton, WA, 98584
New or Used Auto
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 15, 2026
Details
Community Healthcare Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
2531 Wetmore Ave, Everett, WA, 98201
New Auto - 2020 and newer
5.25%
60 - 84 Months
▼
APR5.25%
Term60 - 84 Months
Last UpdatedMar 18, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
New Auto Purchase or Refinance
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedMar 15, 2026
Details
As Low As
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA, 98683 9510
New Autos (2025 or Newer)
5.29%
Up to 36 months
▼
APR5.29%
TermUp to 36 months
Last UpdatedMar 15, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
NEW AUTO - Max
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMar 17, 2026
Details
$100,000; As Low As; *See Below
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMar 16, 2026
Details
min loan $25,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
NEW AUTO - Max
5.43%
72 Months
▼
APR5.43%
Term72 Months
Last UpdatedMar 17, 2026
Details
$100,000; As Low As; *See Below
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
New Auto (2021 and Newer)
5.49%
7 years
▼
APR5.49%
Term7 years
Last UpdatedMar 16, 2026
Details
As Low As
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA, 98683 9510
New Autos (2025 or Newer)
5.49%
37-60 months
▼
APR5.49%
Term37-60 months
Last UpdatedMar 15, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Auto Loan (vehicle year 2025 - 2026)
5.50%
3 Months
▼
APR5.50%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; 4.50%
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026)
5.50%
49 - 60
▼
APR5.50%
Term49 - 60
Last UpdatedMar 20, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
NEW AUTO - Max
5.53%
84 Months
▼
APR5.53%
Term84 Months
Last UpdatedMar 17, 2026
Details
$100,000; As Low As; *See Below
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA, 98663
New Auto
5.54%
Up to 60 months
▼
APR5.54%
TermUp to 60 months
Last UpdatedMar 15, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA, 98683 9510
New Autos (2025 or Newer)
5.59%
61-66 months
▼
APR5.59%
Term61-66 months
Last UpdatedMar 15, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA, 98663
New Auto
5.64%
61 - 72 months
▼
APR5.64%
Term61 - 72 months
Last UpdatedMar 15, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
301 W Wishkah St, Aberdeen, WA, 98520 6130
Auto Loans New or Used
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMar 20, 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.
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA, 98683 9510
New Autos (2025 or Newer)
5.69%
67-75 months
▼
APR5.69%
Term67-75 months
Last UpdatedMar 15, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
New Auto
5.74%
37 to 48
▼
APR5.74%
Term37 to 48
Last UpdatedMar 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
9706 4th Ave NE Ste 400, Seattle, WA, 98115 2199
New vehicles have never been titled or licensed and used vehicles up to 1 year old.
5.74%
Up to 84 months
▼
APR5.74%
TermUp to 84 months
Last UpdatedMar 11, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 13, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Auto Loan (vehicle year 2025 - 2026)
5.75%
5 Months
▼
APR5.75%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; 4.75%
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
5.75%
24 - 48
▼
APR5.75%
Term24 - 48
Last UpdatedMar 20, 2026
Details
As Low As
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
10200 Silverdale Way NW, Silverdale, WA, 98383
New Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 37 - 48 Months
5.77%
48 Months
▼
APR5.77%
Term48 Months
Last UpdatedMar 15, 2026
Details
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA, 98663
New Auto
5.84%
73 - 84 months
▼
APR5.84%
Term73 - 84 months
Last UpdatedMar 15, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 49 - 60 Months
5.93%
60 Months
▼
APR5.93%
Term60 Months
Last UpdatedMar 15, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New Vehicle Loans 60 Months
5.93%
60 Months
▼
APR5.93%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Standard APR
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
New Auto
5.99%
49 to 60
▼
APR5.99%
Term49 to 60
Last UpdatedMar 20, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 61 - 72 Months
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA, 98661
New auto (2023 and newer)
5.99%
36-60
▼
APR5.99%
Term36-60
Last UpdatedMar 15, 2026
Details
Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
800 SE 192nd Ave, Vancouver, WA, 98683 9510
New Autos (2025 or Newer)
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedMar 15, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Auto Loan (vehicle year 2025 - 2026)
6.00%
6 Months
▼
APR6.00%
Term6 Months
Last UpdatedMar 17, 2026
Details
As Low As; 5.00%
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026)
6.00%
61 - 72
▼
APR6.00%
Term61 - 72
Last UpdatedMar 20, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
6.00%
60 - 72
▼
APR6.00%
Term60 - 72
Last UpdatedMar 20, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
6.24%
48 months
▼
APR6.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Standard APR
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
New Auto
6.24%
61 to 72
▼
APR6.24%
Term61 to 72
Last UpdatedMar 20, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA, 98661
New auto (2023 and newer)
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMar 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Auto Loan (vehicle year 2025 - 2026)
6.25%
7 Months
▼
APR6.25%
Term7 Months
Last UpdatedMar 17, 2026
Details
As Low As; 5.25%
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
10200 Silverdale Way NW, Silverdale, WA, 98383
New Auto
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 16, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
6.49%
60 months
▼
APR6.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Standard APR
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
New Auto
6.49%
73 to 84
▼
APR6.49%
Term73 to 84
Last UpdatedMar 20, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA, 98661
New auto (2023 and newer)
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMar 15, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA, 98004 6420
New Vehicles: Model Year 2025 or newer
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMar 15, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
New Vehicles (2023 - 2026)
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedMar 20, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 73 - 84 months
6.61%
84 Months
▼
APR6.61%
Term84 Months
Last UpdatedMar 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.71%
60 Months
▼
APR6.71%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
6.74%
72 months
▼
APR6.74%
Term72 months
Last UpdatedMar 18, 2026
Details
Standard APR
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA, 98004 6420
New Vehicles: Model Year 2025 or newer
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedMar 15, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
7.16%
72 Months
▼
APR7.16%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA, 98661
New auto (2023 and newer)
7.24%
96 Months
▼
APR7.24%
Term96 Months
Last UpdatedMar 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
7.30%
84 Months
▼
APR7.30%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
New Vehicles Model Year 2025-2026
7.39%
96 month
▼
APR7.39%
Term96 month
Last UpdatedMar 16, 2026
Details
min loan $45,000 A+ A Credit Tier Only
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Vehicles
7.50%
2 Months
▼
APR7.50%
Term2 Months
Last UpdatedMar 17, 2026
Details
As Low As; 6.500%
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.50%
96 Months
▼
APR7.50%
Term96 Months
Last UpdatedMar 20, 2026
Details
As Low As
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 UpdatedMar 15, 2026
Details
Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA, 98004 6420
New Vehicles: Model Year 2025 or newer
7.74%
84 Months
▼
APR7.74%
Term84 Months
Last UpdatedMar 15, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Vehicles
7.75%
4 Months
▼
APR7.75%
Term4 Months
Last UpdatedMar 17, 2026
Details
As Low As; 6.750%
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Vehicles
8.00%
5 Months
▼
APR8.00%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; 7.000%
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
New Vehicles
8.25%
6 Months
▼
APR8.25%
Term6 Months
Last UpdatedMar 17, 2026
Details
As Low As; 7.250%
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
8.25%
108 Months
▼
APR8.25%
Term108 Months
Last UpdatedMar 20, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
Used Cars
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 17, 2026
Details
up to 10 years old; 0% down OAC
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
Used Cars
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 17, 2026
Details
up to 10 years old; 0% down OAC
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
Used Auto/Truck Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; Fixed rate, terms up to 72 months on vehicles up to 10 years old.
Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd, Spokane, WA, 99224 7434
Used Auto/Truck Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As; 84 months available under certain conditions.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 20, 2026
Details
Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
529 E North Foothills Dr, Spokane, WA, 99207
Older Used Cars
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
11-18 years old; requires 10% down
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
9625 N Newport Hwy, Spokane, WA, 99218
Used Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedMar 20, 2026
Details
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
6419 Fauntleroy Way SW, Seattle, WA, 98136
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMar 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 16, 2026
Details
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As
TRI CITIES Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
3213 W 19th Ave, Kennewick, WA, 99337
New & Used Auto
4.24%
up to 84 months
▼
APR4.24%
Termup to 84 months
Last UpdatedMar 15, 2026
Details
Up to 115% Book Value or purchase price, depending on credit quality.
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 0 - 36 Months
4.46%
36 Months
▼
APR4.46%
Term36 Months
Last UpdatedMar 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 13, 2026
Details
As Low As
Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
6419 Fauntleroy Way SW, Seattle, WA, 98136
Used Autos (2020 & Older)
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMar 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 13, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Auto Loan (vehicle year 2022 - 2026)
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR*
Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
220 S Lincoln St, Port Angeles, WA, 98362 3003
New & Used Vehicles
4.75%
Up to 96 months
▼
APR4.75%
TermUp to 96 months
Last UpdatedMar 15, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022)
4.85%
0 - 36
▼
APR4.85%
Term0 - 36
Last UpdatedMar 20, 2026
Details
APR Range: 17.35%; Up to 100% LTV/Mileage maximum: 150,000
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
Used Auto Purchase or Refinance
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 15, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Auto Loan (vehicle year 2022 - 2026)
5.00%
5 Months
▼
APR5.00%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR*
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
3049 S 36th St, Tacoma, WA, 98409
Used Auto
5.00%
24 to 84 months
▼
APR5.00%
Term24 to 84 months
Last UpdatedMar 16, 2026
Details
MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
1328 Broadway, Everett, WA, 98201 1718
Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 2026
Details
2023 and older. Up to 72-month term available. Loan to value based on NADA retail.
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedMar 16, 2026
Details
North Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
1100 Dupont St, Bellingham, WA, 98225 3113
New / Used Vehicles
5.22%
1 to 84 Months
▼
APR5.22%
Term1 to 84 Months
Last UpdatedMar 15, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
4550 S 134th Pl, Tukwila, WA, 98168
Used Vehicles
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
526 W Cedar St, Shelton, WA, 98584
New or Used Auto
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 15, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
Used Auto Purchase or Refinance
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedMar 15, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Auto Loan (vehicle year 2022 - 2026)
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedMar 17, 2026
Details
As Low As; APR*
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
19802 62nd Ave S, Kent, WA, 98032 4009
Used Cars
5.34%
84 Months
▼
APR5.34%
Term84 Months
Last UpdatedMar 17, 2026
Details
2017-2025 models.
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
USED AUTO - Max
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedMar 17, 2026
Details
$100,000; As Low As; *See Below
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto (Models 2017 - 2020)
5.49%
4 years
▼
APR5.49%
Term4 years
Last UpdatedMar 16, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 16, 2026
Details
South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1421 N MEADOWWOOD LN STE 130, LIBERTY LAKE, WA, 99019 7613
Used Auto Purchase or Refinance
5.49%
73-84 months
▼
APR5.49%
Term73-84 months
Last UpdatedMar 15, 2026
Details
As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
USED AUTO - Max
5.54%
72 Months
▼
APR5.54%
Term72 Months
Last UpdatedMar 17, 2026
Details
$100,000; As Low As; *See Below
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022)
5.60%
37 - 48
▼
APR5.60%
Term37 - 48
Last UpdatedMar 20, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
USED AUTO - Max
5.65%
84 Months
▼
APR5.65%
Term84 Months
Last UpdatedMar 17, 2026
Details
$100,000; As Low As; *See Below
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA, 98663
Used Auto
5.69%
Up to 60 months
▼
APR5.69%
TermUp to 60 months
Last UpdatedMar 15, 2026
Details
Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
301 W Wishkah St, Aberdeen, WA, 98520 6130
Auto Loans New or Used
5.69%
Up to 84 Months
▼
APR5.69%
TermUp to 84 Months
Last UpdatedMar 20, 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.
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto (Models 2017 - 2020)
5.74%
5 years
▼
APR5.74%
Term5 years
Last UpdatedMar 16, 2026
Details
As Low As
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
Used Auto
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
9706 4th Ave NE Ste 400, Seattle, WA, 98115 2199
New vehicles have never been titled or licensed and used vehicles up to 1 year old.
5.74%
Up to 84 months
▼
APR5.74%
TermUp to 84 months
Last UpdatedMar 11, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
EvergreenDIRECT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
1018 Union Ave SE, Olympia, WA, 98501 1540
New/Used Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 13, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
5.75%
24 - 48
▼
APR5.75%
Term24 - 48
Last UpdatedMar 20, 2026
Details
As Low As
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 37 - 48 Months
5.77%
48 Months
▼
APR5.77%
Term48 Months
Last UpdatedMar 15, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
Used Vehicle Loans 48 Months
5.77%
48 Months
▼
APR5.77%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA, 98663
Used Auto
5.79%
61 - 72 months
▼
APR5.79%
Term61 - 72 months
Last UpdatedMar 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMar 16, 2026
Details
min loan $20,000
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 49 - 60 Months
5.93%
60 Months
▼
APR5.93%
Term60 Months
Last UpdatedMar 15, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Standard APR
Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St, Vancouver, WA, 98663
Used Auto
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedMar 15, 2026
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto (Models 2017 - 2020)
5.99%
6 years
▼
APR5.99%
Term6 years
Last UpdatedMar 16, 2026
Details
As Low As
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
Used Auto
5.99%
37 to 48
▼
APR5.99%
Term37 to 48
Last UpdatedMar 20, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 61 - 72 Months
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
Used Vehicle Loans 72 Months
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Community Healthcare Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
2531 Wetmore Ave, Everett, WA, 98201
Used Auto - 2019 and older
5.99%
36 - 84 Months
▼
APR5.99%
Term36 - 84 Months
Last UpdatedMar 18, 2026
Details
Salal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.12%
9706 4th Ave NE Ste 400, Seattle, WA, 98115 2199
Used vehicles that have been titled or licensed and are 2 years old and older.
5.99%
Up to 84 months
▼
APR5.99%
TermUp to 84 months
Last UpdatedMar 11, 2026
Details
Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
6.00%
60 - 72
▼
APR6.00%
Term60 - 72
Last UpdatedMar 20, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Used Vehicles Model Year 2020-2024
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedMar 16, 2026
Details
min loan $25,000
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022)
6.10%
49 - 60
▼
APR6.10%
Term49 - 60
Last UpdatedMar 20, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA, 98661
Used auto (2016-2022)
6.14%
36-60
▼
APR6.14%
Term36-60
Last UpdatedMar 15, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
6.24%
48 months
▼
APR6.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Standard APR
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
2800 S 192nd St Ste 106, SEATAC, WA, 98188 5164
Used Auto (Models 2017 - 2020)
6.24%
7 years
▼
APR6.24%
Term7 years
Last UpdatedMar 16, 2026
Details
As Low As
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
Used Auto
6.24%
49 to 60
▼
APR6.24%
Term49 to 60
Last UpdatedMar 20, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
10200 Silverdale Way NW, Silverdale, WA, 98383
Used Auto
6.34%
60 Months
▼
APR6.34%
Term60 Months
Last UpdatedMar 16, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA, 98661
Used auto (2016-2022)
6.39%
72 Months
▼
APR6.39%
Term72 Months
Last UpdatedMar 15, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
6.49%
60 months
▼
APR6.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Standard APR
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
Used Auto
6.49%
61 to 72
▼
APR6.49%
Term61 to 72
Last UpdatedMar 20, 2026
Details
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022)
6.60%
61 - 72
▼
APR6.60%
Term61 - 72
Last UpdatedMar 20, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE, Lacey, WA, 98516
New & Used Auto Loans 73 - 84 months
6.61%
84 Months
▼
APR6.61%
Term84 Months
Last UpdatedMar 15, 2026
Details
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
6.71%
60 Months
▼
APR6.71%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
3120 139th Ave SE Ste 180, Bellevue, WA, 98005
Auto Loans (New and used vehicles)
6.74%
72 months
▼
APR6.74%
Term72 months
Last UpdatedMar 18, 2026
Details
Standard APR
Lower Columbia Longshoremen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
629 14th Ave, Longview, WA, 98632 1603
Used Auto
6.74%
73 to 84
▼
APR6.74%
Term73 to 84
Last UpdatedMar 20, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA, 98004 6420
Used Vehicles: Model Year 2024 or older
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St, Vancouver, WA, 98661
Used auto (2020-2022)
6.84%
84 Months
▼
APR6.84%
Term84 Months
Last UpdatedMar 15, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Classic Used Vehicles Model Year 1972 and Older
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St, Bellevue, WA, 98004 6420
Used Vehicles: Model Year 2024 or older
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
7.16%
72 Months
▼
APR7.16%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Older Used Vehicles Model Year 2015-2019
7.24%
36 Months
▼
APR7.24%
Term36 Months
Last UpdatedMar 16, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Vehicles 2019-2025
7.25%
4 Months
▼
APR7.25%
Term4 Months
Last UpdatedMar 17, 2026
Details
As Low As
Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
4922 Bridgeport Way W, University Place, WA, 98467
Used Auto: 2011 and Newer
7.30%
84 Months
▼
APR7.30%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
303 W Meeker, Puyallup, WA, 98371
Used Vehicles (2017 - 2022)
7.35%
73 - 84
▼
APR7.35%
Term73 - 84
Last UpdatedMar 20, 2026
Details
APR Range: 17.99%; Up to 100% LTV/Mileage maximum: 150,000
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
OLDER USED AUTO (2015 or older) - Max
7.40%
60 Months
▼
APR7.40%
Term60 Months
Last UpdatedMar 17, 2026
Details
$25,000; As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Vehicles 2017-2018
7.50%
3 Months
▼
APR7.50%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
7.50%
96 Months
▼
APR7.50%
Term96 Months
Last UpdatedMar 20, 2026
Details
As Low As
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 UpdatedMar 15, 2026
Details
Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Classic Used Vehicles Model Year 1972 and Older
7.54%
48 Months
▼
APR7.54%
Term48 Months
Last UpdatedMar 16, 2026
Details
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
OLDER USED AUTO (2015 or older) - Max
7.54%
72 Months
▼
APR7.54%
Term72 Months
Last UpdatedMar 17, 2026
Details
$25,000; As Low As
Rolling F Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1421 N Meadowwood Ln, Liberty Lake, WA, 99019 7613
OLDER USED AUTO (2015 or older) - Max
7.65%
84 Months
▼
APR7.65%
Term84 Months
Last UpdatedMar 17, 2026
Details
$25,000; As Low As
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Classic Used Vehicles Model Year 1972 and Older
7.79%
72 Months
▼
APR7.79%
Term72 Months
Last UpdatedMar 16, 2026
Details
Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
1421 North Meadowwood Ln Ste 130, Liberty Lake, WA, 99016
Older Used Vehicles Model Year 2015-2019
8.24%
48 Months
▼
APR8.24%
Term48 Months
Last UpdatedMar 16, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Vehicles
8.25%
3 Months
▼
APR8.25%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As
Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
3102 Broadway, Everett, WA, 98201 4421
New & Used Auto Loans
8.25%
108 Months
▼
APR8.25%
Term108 Months
Last UpdatedMar 20, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Vehicles
8.50%
4 Months
▼
APR8.50%
Term4 Months
Last UpdatedMar 17, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Vehicles
8.75%
5 Months
▼
APR8.75%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
6115 NE 114th Ave, Vancouver, WA, 98662
Used Vehicles 2015-2016
9.50%
2 Months
▼
APR9.50%
Term2 Months
Last UpdatedMar 17, 2026
Details
As Low As
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Frequently Asked Questions about Auto Loans in Spokane, 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 Spokane, 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 Spokane, 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 Spokane, Washington?
Based on our current data, some of the lowest auto loan rates available in Spokane, Washington include:
- Safeway Federal Credit Union: 4.49% (New Cars)
- Cheney Federal Credit Union: 4.99% (New Auto/Truck Loan)
- Idaho Central Credit Union: 5.44% (Auto Loan)
- Gesa Credit Union: 5.74% (New Auto Loan)
- Progressions Credit Union: 7.75% (Classic Autos)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Spokane, Washington. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026
