Spokane Valley, WA Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Spokane Valley, Washington range from 1.99% to 5.74% APR across the five lenders featured below, verified by MonitorBankRates as of September 27, 2026. Current auto loan rates in Spokane Valley, Washington include Ironworkers USA Federal Credit UnionIronworkers USA Federal Credit Union16610 E Euclid Ave, Spokane Valley, WA, 99216B4.6 ★Texas Ratio: 20.11% offering New Vehicles Loan at 4.24%, Numerica Credit UnionNumerica Credit Union14610 E Sprague Ave, Spokane Valley, WA, 99216A+5.0 ★Texas Ratio: 2.22% offering Auto loans at 4.74%, Idaho Central Credit UnionIdaho Central Credit Union16015 E Broadway Ave, Spokane Valley, WA, 99037A+5.0 ★Texas Ratio: 4.55% offering Vehicle Loan at 5.54%, Gesa Credit UnionGesa Credit Union509 N Sullivan Rd, Spokane Valley, WA, 99037 8531A5.0 ★Texas Ratio: 6.57% offering New Auto Loan at 5.74%, LONGSHOREMENS LOCAL 4LONGSHOREMENS LOCAL 4A+5.0 ★Texas Ratio: 0.67% offering New vehicle Loan at 1.99%. Auto loan rates as of September 27, 2026 according to verified data from MonitorBankRates.
Spokane Valley has 4 local institutions in our database, with auto loan rates as low as 4.24% APR from Ironworkers USA Federal Credit Union at 16610 E Euclid Ave, Spokane Valley, WA, 99216. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Spokane Valley, Washington. Auto Loan Rates Last Updated and Verified: September 27, 2026
Compare Auto Loan Rates Today in Spokane Valley, Washington & Surrounding Area
Spokane Valley Auto Loan Rates
Published APR range: 4.24 - 18%.
Published rate range: 4.74% - 14.99%.
Published APR range: 5.24 - 18%.
*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.
Vehicle Age: 2020+; Loan Amount: No Minimum
Vehicle Age: 2020+; Loan Amount: No Minimum
Vehicle Age: 2020+; Loan Amount: No Minimum
Vehicle Age: 2020+; Loan Amount: No Minimum
*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.
Vehicle Age: 2020+; Loan Amount: $15,000+
Vehicle Age: 2015 - 2019
Vehicle Age: 2015 - 2019
Vehicle Age: 2015 - 2019
- Sep 18, 20265.99%▼ from 7.24%
- Sep 14, 20267.24%first recorded
Vehicle Age: 2015 - 2019
*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.
Loan Amount: $15,000+; Vehicle Age: 2015 - 2019
Vehicle Age: 2014 & Older
As low as
Published APR range: 3.79% to 18.00%.
As Low As; depending on loan amount
Published APR range: 3.99% - 17.24%. **Actual Annual Percentage rate (APR) is based on your credit history and other qualifications. All credit is subject to approval. All rates are subject to change at any time without notice.
Rates advertised include a 0.25% discount for automatic payment and a 0.50% discount for direct deposit of net payroll or retirement benefits to a Progressions Credit Union checking account. Add 0.25% for other payment options and 0.50% for accounts without qualifying direct deposit. Your rate will increase if you cancel automatic payment or direct deposit. For vehicles with 100k - 124,999 miles, add 1.50%, for vehicles with 125k miles add 3.00%; however, in no case will rates exceed 18%. Max term is 48 months for vehicles with 125,000 miles or more. Mileage may be limited to 150,000 miles.
As Low As; Special
Published APR range: 4.00% - 18%.
Published APR range: 4.24% - 17.49%. **Actual Annual Percentage rate (APR) is based on your credit history and other qualifications. All credit is subject to approval. All rates are subject to change at any time without notice.
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
Published APR range: 4.25% - 16.75%.
As low as
As Low As; New and used vehicles
As Low As; New and used vehicles
0% down OAC
up to 10 years old; 0% down OAC
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As Low As; For new and used vehicles. Some Promotional Rates May Require Payroll Direct Deposit and Automatic Transfer from RESCU Checking Account
APR* as low as: 4.50%
- Sep 20, 20264.50%▼ from 5.50%
- Sep 17, 20265.50%first recorded
APR* as low as: 4.50%
- Sep 20, 20264.50%▼ from 5.50%
- Sep 17, 20265.50%first recorded
Term: Up to 84-month term available; Published APR range: 4.50% to 16.75%. 2024 and newer. Loan to value based on MSRP or NADA retail.
Term: Up to 84-month term available; Published APR range: 4.50% to 16.75%. 2023 and older. Loan to value based on NADA retail.
As Low As; For new and used vehicles. Some Promotional Rates May Require Payroll Direct Deposit and Automatic Transfer from RESCU Checking Account
Published APR range: 4.74% - 17.99%.
As low as; **
Minimum loan: $20,000
Published APR range: 4.74 - 13.24%.
Published APR range: 4.74% - 15.49%. 2023 and newer
Published APR range: 4.74% - 13.99%.
APR* as low as: 4.75%
- Sep 20, 20264.75%▼ from 5.75%
- Sep 17, 20265.75%first recorded
APR* as low as: 4.75%
- Sep 20, 20264.75%▼ from 5.50%
- Sep 17, 20265.50%first recorded
APR* as low as: 4.75%
- Sep 20, 20264.75%▼ from 5.50%
- Sep 17, 20265.50%first recorded
Published APR range: 4.85% - 17.35%.
Published APR range: 4.99% - 9.44%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
As low as; **
Maximum amount financed - up to 110% of NADA average retail including tax and license. Financing for vehicles 10yrs and older available. Contact credit union for details. For loans under $20,000 rate is .50% higher. All loan rates are Annual Percentage Rates and subject to change without notice. Your rate and credit limit will be determined by creditworthiness, debt ratio, and collateral value (based on NADA average retail). Assume you borrow $20,000 for an auto loan, calculated on a 5-year term with an interest rate of 4.99%, the monthly payment would be $377.41.
Up to 120% Financing on Approved Credit
Published APR range: 4.99 - 14.24%.
Published APR range: 4.99 - 13.49%.
APR* as low as: 5.00%
- Sep 20, 20265.00%▼ from 6.00%
- Sep 17, 20266.00%first recorded
APR* as low as: 5.00%
- Sep 20, 20265.00%▼ from 5.75%
- Sep 17, 20265.75%first recorded
Published APR range: 5.00% - 18%.
Published APR range: 5.00% - 17.50%.
Published APR range: 5.04% - 15.69%. Min. Loan Amount: $500
As Low As
Published APR range: 5.14% - 9.84%.
Published APR range: 5.14% - 9.84%. Vehicles manufactured 2016-2022. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
As Low As
- Sep 27, 20265.15%▲ from 4.85%
- Sep 14, 20264.85%first recorded
Minimum loan $25,000
Term: Up to 48 months (4 years)
Published APR range: 5.21% - 13.21%. Estimated Payment Example $601 a month for 36 months, $20,000 loan at 5.21%
Published APR range: 5.220% to 17.470%. rate will vary based on term
Published APR range: 5.24% - 9.89%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Rate Equality; Maximum term dependent on purchase price and mileage. Auto loans up to $10,000: maximum term 60 months. Auto loans $20,000 or more: maximum term 84 months. Gas vehicles exceeding 120,000 miles: maximum term 72 months. Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles. Purchase: Front end LTV >100%, add .25%; >110%, add .50%; >120%, add .75%. Maximum LTV 130%. Refinance: Back end LTV >100%, add .25%. Maximum LTV 130%. Add 1% for Drive4Less loans.
As low as; **
Published APR range: 5.24% - 15.79%. Min. Loan Amount: $5,000
Published APR range: 5.24% - 13.74%.
Published APR range: 5.24 - 14.49%.
Published APR range: 5.24% to 17.15%.
Published APR range: 5.24% - 15.24%. 2022 and older
APR as low as
APR* as low as: 5.25%
- Sep 20, 20265.25%▼ from 6.25%
- Sep 17, 20266.25%first recorded
APR* as low as: 5.25%
- Sep 20, 20265.25%▼ from 6.00%
- Sep 17, 20266.00%first recorded
min loan $20,000
$100,000; Published APR range: 5.30 - 13.60%.
As Low As
Published APR range: 5.34% - 18.00%. Rates Effective: 6/12/2026
Published APR range: 5.34% - 15.89%. Min. Loan Amount: $6,000
Published APR range: 5.39% - 10.19%.
Published APR range: 5.39% - 10.19%. Vehicles manufactured 2016-2022. Requires a minimum $12,000 loan amount for model years 2016-2019. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
$100,000; Published APR range: 5.40 - 14.14%.
$100,000; Published APR range: 5.43 - 13.73%.
Published APR range: 5.44% - 18.00%. Rates Effective: 6/12/2026
Published APR range: 5.44% - 15.99%. Min. Loan Amount: $10,000
Published APR range: 5.44% - 20.44%.
Term: 49 to 60 months (5 years)
As Low As
- Sep 27, 20265.45%▲ from 5.10%
- Sep 14, 20265.10%first recorded
Published APR range: 5.49% - 10.14%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Published APR range: 5.49% - 8.74%. Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
Financing: 100% High KBB
Published APR range: 5.49% - 18.00%. Rates Effective: 6/12/2026
As low as; **
As low as; **
0% down OAC
up to 10 years old; 0% down OAC
Up to 120% Financing on Approved Credit
Published APR range: 5.49% - 20.84%.
Published APR range: 5.49% - 14.74%.
Published APR range: 5.49% - 13.99%.
APR as low as
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
APR*: 5.50%
APR*: 5.50%
Term: 49 - 60 months months; Published APR range: 5.50% - 17.99%.
$100,000; Published APR range: 5.54 - 14.27%.
As Low As
Published APR range: 5.59% - 18.00%. Rates Effective: 6/12/2026
min loan $25,000
Published APR range: 5.60% - 17.99%.
As Low As
Published APR range: 5.64% - 18.00%. Rates Effective: 6/12/2026
Published APR range: 5.69%-17.99%.
Published APR range: 5.69% - 16.09%. Min. Loan Amount: $15,000
- Sep 26, 20265.69%▲ from 5.49%
- Sep 18, 20265.49%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Term: 61 to 72 months (6 years)
Published APR range: 5.74% - 8.99%. Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
Financing: 100% High KBB
As low as; **
Published APR range: 5.74% - 14.99%.
Published APR range: 5.74% - 16.99%. As Low As; Personal and auto loan rates include a .25% discount for auto-pay.
APR*: 5.75%
APR*: 5.75%
APR*: 5.75%
Published APR range: 5.75% to 17.65%.
Published APR range: 5.79% - 18.00%. Rates Effective: 6/12/2026
Published APR range: 5.79% - 20.74%.
As Low As
Published APR range: 5.84% - 11.49%. Vehicles manufactured 2016-2022. Offered on model years 2020-2022 only. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Term: Loans over $35K up to 84 months
Published APR range: 5.99% - 17.99%. **Actual Annual Percentage rate (APR) is based on your credit history and other qualifications. All credit is subject to approval. All rates are subject to change at any time without notice.
Financing: 100% High KBB
As low as; **
Published APR range: 5.99% - 14.14%. Estimated Payment Example $331 a month for 72 months, $20,000 loan at 5.99%
Published APR range: 5.99% - 21.94%.
Published APR range: 5.99 - 8.74%.
Published APR range: 5.99% - 17.74%. As Low As; Personal and auto loan rates include a .25% discount for auto-pay.
APR*: 6.00%
APR*: 6.00%
Term: 61 - 72 months ($15,000 or higher); Published APR range: 6.00% - 17.99%.
As Low As
Term: 49 - 60 months months; Published APR range: 6.10% - 17.99%.
As Low As
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
APR based on 60 months and $45,000
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As
Published APR range: 6.19% - 21.14%.
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
APR based on 60 months and $30,000
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Financing: 100% High KBB
As low as; **
Published APR range: 6.24% - 16.49%.
APR as low as
APR*: 6.25%
APR*: 6.25%
Published APR range: 6.25% to 18.15%.
As Low As
Published APR range: 6.34% to 19.99%.
Published APR range: 6.49% - 16.74%.
Published APR range: 6.49% - 9.74%.
Published APR range: 6.49% - 9.24%.
Published APR range: 6.49% - 17.99%. 2016 - 2018 Model years
APR as low as
As Low As
Term: 73 - 84 months ($30,000 or higher); Published APR range: 6.50% - 17.99%.
Model Years 2023 or Newer (Includes Tax and License)
Published APR range: 6.54% - 22.24%.
As Low As
Published APR range: 6.60% - 17.99%. Loan amount: $15,000 or higher
As Low As
As Low As
Published APR range: 6.74% - 9.99%.
11-18 years old; requires 10% down
Model Years 2019 to 2022
As Low As
Published APR range: 7.24% - 12.74%. Vehicles manufactured 2023 and newer. Requires a minimum $25,000 loan amount and a maximum of $15,000 negative equity. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Term: up to 6 years, lending guidelines apply
As Low As
Spokane Valley New Auto Auto Loan Rates
Published APR range: 4.24 - 18%.
Vehicle Age: 2020+; Loan Amount: No Minimum
Vehicle Age: 2020+; Loan Amount: No Minimum
Vehicle Age: 2020+; Loan Amount: No Minimum
Vehicle Age: 2020+; Loan Amount: No Minimum
Vehicle Age: 2020+; Loan Amount: $15,000+
As low as
As Low As; depending on loan amount
Published APR range: 3.99% - 17.24%. **Actual Annual Percentage rate (APR) is based on your credit history and other qualifications. All credit is subject to approval. All rates are subject to change at any time without notice.
As Low As; Special
Published APR range: 4.00% - 18%.
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
Published APR range: 4.25% - 16.75%.
As Low As; New and used vehicles
0% down OAC
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As Low As; For new and used vehicles. Some Promotional Rates May Require Payroll Direct Deposit and Automatic Transfer from RESCU Checking Account
Term: Up to 84-month term available; Published APR range: 4.50% to 16.75%. 2024 and newer. Loan to value based on MSRP or NADA retail.
As Low As; For new and used vehicles. Some Promotional Rates May Require Payroll Direct Deposit and Automatic Transfer from RESCU Checking Account
As low as; **
Minimum loan: $20,000
Published APR range: 4.74 - 13.24%.
Published APR range: 4.74% - 15.49%. 2023 and newer
Published APR range: 4.74% - 13.99%.
Published APR range: 4.99% - 9.44%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
As low as; **
Up to 120% Financing on Approved Credit
Published APR range: 4.99 - 14.24%.
Published APR range: 5.00% - 17.50%.
Published APR range: 5.04% - 15.69%. Min. Loan Amount: $500
Minimum loan $25,000
Term: Up to 48 months (4 years)
Published APR range: 5.21% - 13.21%. Estimated Payment Example $601 a month for 36 months, $20,000 loan at 5.21%
Published APR range: 5.220% to 17.470%. rate will vary based on term
Published APR range: 5.24% - 9.89%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
As low as; **
Published APR range: 5.24% - 15.79%. Min. Loan Amount: $5,000
Published APR range: 5.24% - 13.74%.
Published APR range: 5.24% to 17.15%.
APR as low as
$100,000; Published APR range: 5.30 - 13.60%.
Published APR range: 5.34% - 18.00%. Rates Effective: 6/12/2026
Published APR range: 5.34% - 15.89%. Min. Loan Amount: $6,000
$100,000; Published APR range: 5.43 - 13.73%.
Published APR range: 5.44% - 18.00%. Rates Effective: 6/12/2026
Published APR range: 5.44% - 15.99%. Min. Loan Amount: $10,000
Published APR range: 5.44% - 20.44%.
Term: 49 to 60 months (5 years)
Published APR range: 5.49% - 10.14%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Published APR range: 5.49% - 8.74%. Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
As low as; **
0% down OAC
Up to 120% Financing on Approved Credit
Published APR range: 5.49% - 20.84%.
Published APR range: 5.49% - 14.74%.
APR as low as
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Term: 49 - 60 months months; Published APR range: 5.50% - 17.99%.
As Low As
Published APR range: 5.64% - 18.00%. Rates Effective: 6/12/2026
Published APR range: 5.69%-17.99%.
Published APR range: 5.69% - 16.09%. Min. Loan Amount: $15,000
- Sep 26, 20265.69%▲ from 5.49%
- Sep 18, 20265.49%first recorded
Term: 61 to 72 months (6 years)
Published APR range: 5.74% - 16.99%. As Low As; Personal and auto loan rates include a .25% discount for auto-pay.
Published APR range: 5.75% to 17.65%.
As Low As
Term: Loans over $35K up to 84 months
Published APR range: 5.99% - 14.14%. Estimated Payment Example $331 a month for 72 months, $20,000 loan at 5.99%
Published APR range: 5.99% - 21.94%.
Published APR range: 5.99 - 8.74%.
Term: 61 - 72 months ($15,000 or higher); Published APR range: 6.00% - 17.99%.
As Low As
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
APR based on 60 months and $45,000
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Published APR range: 6.24% - 16.49%.
Published APR range: 6.25% to 18.15%.
As Low As
Published APR range: 6.49% - 9.74%.
Published APR range: 6.49% - 9.24%.
As Low As
Term: 73 - 84 months ($30,000 or higher); Published APR range: 6.50% - 17.99%.
Model Years 2023 or Newer (Includes Tax and License)
As Low As
As Low As
As Low As
As Low As
Published APR range: 7.24% - 12.74%. Vehicles manufactured 2023 and newer. Requires a minimum $25,000 loan amount and a maximum of $15,000 negative equity. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
As Low As
Spokane Valley Used Auto Auto Loan Rates
Published APR range: 5.24 - 18%.
Vehicle Age: 2015 - 2019
Vehicle Age: 2015 - 2019
Vehicle Age: 2015 - 2019
- Sep 18, 20265.99%▼ from 7.24%
- Sep 14, 20267.24%first recorded
Vehicle Age: 2015 - 2019
Loan Amount: $15,000+; Vehicle Age: 2015 - 2019
Vehicle Age: 2014 & Older
As Low As; depending on loan amount
As Low As; Special
Published APR range: 4.24% - 17.49%. **Actual Annual Percentage rate (APR) is based on your credit history and other qualifications. All credit is subject to approval. All rates are subject to change at any time without notice.
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As Low As; New and used vehicles
up to 10 years old; 0% down OAC
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As Low As; For new and used vehicles. Some Promotional Rates May Require Payroll Direct Deposit and Automatic Transfer from RESCU Checking Account
Term: Up to 84-month term available; Published APR range: 4.50% to 16.75%. 2023 and older. Loan to value based on NADA retail.
As Low As; For new and used vehicles. Some Promotional Rates May Require Payroll Direct Deposit and Automatic Transfer from RESCU Checking Account
Published APR range: 4.74% - 13.99%.
Published APR range: 4.85% - 17.35%.
Up to 120% Financing on Approved Credit
Published APR range: 4.99 - 13.49%.
Published APR range: 5.00% - 18%.
Published APR range: 5.14% - 9.84%.
Published APR range: 5.14% - 9.84%. Vehicles manufactured 2016-2022. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Term: Up to 48 months (4 years)
Published APR range: 5.21% - 13.21%. Estimated Payment Example $601 a month for 36 months, $20,000 loan at 5.21%
Published APR range: 5.220% to 17.470%. rate will vary based on term
Published APR range: 5.24 - 14.49%.
Published APR range: 5.24% - 15.24%. 2022 and older
min loan $20,000
Published APR range: 5.39% - 10.19%.
Published APR range: 5.39% - 10.19%. Vehicles manufactured 2016-2022. Requires a minimum $12,000 loan amount for model years 2016-2019. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
$100,000; Published APR range: 5.40 - 14.14%.
Term: 49 to 60 months (5 years)
Published APR range: 5.49% - 8.74%. Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
Published APR range: 5.49% - 18.00%. Rates Effective: 6/12/2026
As low as; **
up to 10 years old; 0% down OAC
Up to 120% Financing on Approved Credit
Published APR range: 5.49% - 13.99%.
$100,000; Published APR range: 5.54 - 14.27%.
Published APR range: 5.59% - 18.00%. Rates Effective: 6/12/2026
min loan $25,000
Published APR range: 5.60% - 17.99%.
Published APR range: 5.69%-17.99%.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Term: 61 to 72 months (6 years)
Published APR range: 5.74% - 8.99%. Rates increase without automatic payment; Rates decrease for hybrid and EV loans.
As low as; **
Published APR range: 5.74% - 14.99%.
Published APR range: 5.79% - 18.00%. Rates Effective: 6/12/2026
Published APR range: 5.84% - 11.49%. Vehicles manufactured 2016-2022. Offered on model years 2020-2022 only. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards.
Term: Loans over $35K up to 84 months
Published APR range: 5.99% - 17.99%. **Actual Annual Percentage rate (APR) is based on your credit history and other qualifications. All credit is subject to approval. All rates are subject to change at any time without notice.
As low as; **
Published APR range: 5.99% - 14.14%. Estimated Payment Example $331 a month for 72 months, $20,000 loan at 5.99%
Published APR range: 5.99% - 17.74%. As Low As; Personal and auto loan rates include a .25% discount for auto-pay.
Term: 49 - 60 months months; Published APR range: 6.10% - 17.99%.
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
APR based on 60 months and $30,000
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as; **
APR as low as
As Low As
Published APR range: 6.34% to 19.99%.
APR as low as
As Low As
Published APR range: 6.60% - 17.99%. Loan amount: $15,000 or higher
As Low As
11-18 years old; requires 10% down
Model Years 2019 to 2022
As Low As
As Low As
Spokane Valley, WA Auto Loan Rate Trends
Compare local Spokane Valley, WA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Washington new auto rates fell 0.008 points over the past 7 days to 5.782% APR.
Washington used auto rates fell 0.042 points over the past 7 days to 6.020% APR.
Spokane Valley, WA Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Washington figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Washington APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.78% APR WA average | Used Auto @ 6.02% APR WA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $288.47/mo | $290.13/mo | $1.66/mo |
| $25,000 | $480.79/mo | $483.55/mo | $2.77/mo |
| $35,000 | $673.10/mo | $676.98/mo | $3.88/mo |
| $45,000 | $865.41/mo | $870.40/mo | $4.99/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Spokane Valley, Washington
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Spokane Valley, Washington locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Washington. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Spokane Valley, Washington high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Spokane Valley, Washington CD rates lock in a guaranteed return until you’re ready to buy
Spokane Valley, Washington Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $577 monthly car payment works out to roughly 16.8% of the median individual income in Spokane Valley, Washington. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Spokane Valley, Washington, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Spokane Valley, Washington. We’ve prefilled the APR with today’s WA new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Spokane Valley, Washington auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Spokane Valley, Washington directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Spokane Valley, Washington. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in WA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Spokane Valley, Washington
How does my credit score affect my car loan rate in Washington?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Spokane Valley, Washington?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Spokane Valley, Washington?
- Ironworkers USA Federal Credit Union: 4.24% (New Vehicles Loan)
- Numerica Credit Union: 4.74% (Auto loans)
- Idaho Central Credit Union: 5.54% (Vehicle Loan)
- Gesa Credit Union: 5.74% (New Auto Loan)
- LONGSHOREMENS LOCAL 4: 1.99% (New vehicle Loan)
Spokane Valley, Washington Rates & Resources
