Pullman, West Virginia Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Pullman, West Virginia auto loan rates from lenders serving West Virginia range from 2.49% to 5.75% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Pullman, West Virginia include WEPCO Federal Credit UnionWEPCO Federal Credit UnionA+5.0 ★Texas Ratio: 3.89% offering New or Used Vehicle Loans - New Model 2026 and Newer at 2.49%, First Priority Federal Credit UnionFirst Priority Federal Credit UnionA+5.0 ★Texas Ratio: 3.37% offering New Auto Loans at 2.99%, Eastern Panhandle Federal Credit UnionEastern Panhandle Federal Credit UnionA+5.0 ★Texas Ratio: 0.75% offering Vehicle Loan at 3.24%, Romney Federal Credit UnionRomney Federal Credit UnionA-4.9 ★Texas Ratio: 15.74% offering New Auto at 3.49%, First Peoples Community Federal Credit UnionFirst Peoples Community Federal Credit UnionA+5.0 ★Texas Ratio: 2.63% offering Auto Loan at 3.49%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Pullman borrowers have access to 34 lenders serving the West Virginia area, with auto loan rates as low as 2.49% APR from WEPCO Federal Credit Union. 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 Pullman, West Virginia. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Pullman, West Virginia & Surrounding Area
Pullman Auto Loan Rates
As Low As; Rates effective as of September 1, 2026
As Low As; Used Model Years 2024-2026
As Low As; New Auto Loans - as low as 2.99%
As Low As; New Auto Loans - as low as 2.99%
As Low As; Used Auto Loans
As Low As; Used Auto Loans
As Low As; Used Auto Loans
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
Other printed rates: 9.24% / 10.24% (column unlabeled); Vehicles 15,000 miles or less and one model year old can be included
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
As Low As; Model Year: 2026-2025
As Low As; Model Year: 2026-2025
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20263.49%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Other printed rates: 9.49% / 10.49% (column unlabeled); Vehicles 15,000 miles or less and one model year old can be included
As Low As; Model Year: 2025-2024 New
As Low As; Minimum Financing of $10,000 for 60 Months; Used Model Years 2024-2026
As Low As
As Low As; Model Year: 2025-2023
Other printed rates: 9.74% / 10.74% (column unlabeled); Vehicles 15,000 miles or less and one model year old can be included
Other printed rates: 9.74% / 10.74% (column unlabeled)
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Annual percentage rates may be as low as*
As Low As; Auto 0-48 months (up to 110%)
Other printed rates: 9.99% / 10.99% (column unlabeled); Vehicles 15,000 miles or less and one model year old can be included
Other printed rates: 9.99% / 10.99% (column unlabeled)
As Low As; Advertised with approved credit
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published APR range: 4.00% - 11.50%. Amount: up to $23,000
Published APR range: 4.00% - 12.25%. 100% of NADA Retail; Cars over 6 years old: max term 48 months; Cars over 10 years old: max term 36 months
As Low As; Model Year: 2025-2024 New
As Low As; Model Year: 2025-2024 New
As Low As; Model Year: 2025-2021 Used Auto
- Oct 13, 20264.00%▼ from 6.00%
- Sep 14, 20266.00%first recorded
Annual percentage rates may be as low as*
As Low As; Model Year: 2026-2024
As Low As; 49-60 months (up to 110%)
As Low As; Minimum Financing of $25,000 for 84 Months; Rates effective as of September 1, 2026
As Low As; Minimum Financing of $15,000 for 72 Months; Used Model Years 2024-2026
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Model Year: 2026-2025
Daily Periodic Rate: .0116
As Low As; Featured Rates; Rates Subject To Change Without Notice
Other printed rates: 10.24% / 11.24% (column unlabeled)
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20264.25%▲ from 3.99%
- Sep 17, 20263.99%first recorded
As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information.
- Sep 25, 20264.25%▲ from 3.99%
- Sep 17, 20263.99%▲ from 3.25%
- Sep 14, 20263.25%first recorded
As Low As; Model Year: 2025-2024 New
As Low As; Model Year: 2025-2021 Used Auto
- Oct 13, 20264.25%▼ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; Model Year: 2026-2025
As Low As; Model Year: 2025-2023
As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information.
- Sep 25, 20264.49%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Other printed rates: 10.49% / 11.49% (column unlabeled)
As Low As; New Auto Loans - as low as 2.99%
As Low As; Used Auto Loans
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
As Low As; Rates based on credit score
As Low As; Model Year: 2025-2024 New
Credit Rating: A+ (Credit Score 760+); Risk Based Loans; Rates based on Experian Credit Score
As Low As; Rates as low as 4.50%; Rate and term based on credit worthiness, loan to value, vehicle age, and amount financed
As Low As; Rates as low as 4.50%
Annual percentage rates may be as low as*
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; 100% Financing; Rates effective 1-2-26. Payment example of 4.59% APR for 36 months would be $250 cash applies only to approved vehicle and motorcycle loans. This $250 cash offer is good for 2018-2026 vehicles on approved new loans or refinanced loans from other financial institutions. Limited time offer; terms and conditions subject to change without notice.
Rates as low at 4.59%APR*; Affordable Payment Options; No Application Fees or Hidden Charges; $250 Cash just for Switching; Just bring in your VIN Number, Insurance Information, and Contact Information from Your Current Financial Institution!; Rates Effective January 2, 2026; All loans subject to credit approval. 4.59% APR is based on 2025-2026 vehicles financed for 36 months. Rates subject to changes without notice. Additional rates and terms available. A payment example of 4.59% APR for 36 months would be Contact the Credit Union for additional rate information. $50 minimum payment. $250 cash applies only to approved vehicle and motorcycle loans. Terms and rates not available for purchase or refinance of commercial use vehicles. This $250 cash offer is good for 2018-2026 vehicles on approved new loans or refinanced loans from other financial institutions. $250 cash may be subject to income tax and reimbursement if the loan is paid off within the first 90 days. Please consult your tax advisor. Limited time offer; terms and conditions subject to change without notice. Federally insured by NCUA. Membership eligibility required.
As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only
- Oct 13, 20264.60%▲ from 4.10%
- Sep 14, 20264.10%first recorded
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+
As Low As; Model Year: 2026-2024
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; Minimum Financing of $25,000 for 84 Months; Used Model Years 2024-2026
Published APR range: 4.74% - 10.49%. Loan APRs are based on credit worthiness
Loan amount greater than $15,000; GAP Insurance required on terms over 60 months; Other printed rates: 10.74% / 11.74% (column unlabeled); Vehicles 15,000 miles or less and one model year old can be included
As Low As; Featured Rates; Rates Subject To Change Without Notice
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Credit Score: (A+) 725 credit score rating
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20264.75%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2025-2021 Used Auto
- Oct 13, 20264.75%▼ from 7.25%
- Sep 14, 20267.25%first recorded
Credit Rating: A (Credit Score 759-680); Risk Based Loans; Rates based on Experian Credit Score
Credit Rating: A+ (Credit Score 760+); Risk Based Loans; Rates based on Experian Credit Score
Annual percentage rates may be as low as*
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; 61-72 months (up to 110%)
As Low As; up to 110%
As Low As; Minimum Financing of $25,000 for 84 Months
As Low As; Model Year: 2025-2023
- Sep 17, 20264.99%▼ from 6.24%
- Sep 14, 20266.24%first recorded
As Low As; Model Year: 2025-2023
- Sep 17, 20264.99%▼ from 6.49%
- Sep 14, 20266.49%first recorded
Daily Periodic Rate: .0137
Titled vehicle loan
Titled vehicle loan
$3000+; Titled vehicle loan; Loan amount: $3000+
As Low As; Advertised with approved credit; 9 years old max, must payoff by 13th year of life
As Low As; Used Auto Loans
Age: 1-2 Model Years old
Term: 36, 48, 60, 72 Months
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
- Oct 12, 20265.00%▼ from 5.25%
- Sep 17, 20265.25%first recorded
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Credit Score: (A+) 725 credit score rating
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20265.00%▼ from 7.00%
- Sep 17, 20267.00%first recorded
APR *rates as low as
APR *rates as low as
As Low As; Model Year: 2025-2021 Used Auto
- Oct 13, 20265.00%▼ from 7.75%
- Sep 14, 20267.75%first recorded
Credit Rating: A (Credit Score 759-680); Risk Based Loans; Rates based on Experian Credit Score
Credit Rating: A+ (Credit Score 760+); Risk Based Loans; Rates based on Experian Credit Score
APR Type: Fixed; Rates as of 6/12/2012
Annual percentage rates may be as low as*
As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only
- Oct 13, 20265.08%▲ from 4.58%
- Sep 14, 20264.58%first recorded
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; 73-84 months (up to 110% $25K or more)
As Low As; up to 110%
As Low As; Model Year: 2026-2025
As Low As
Published APR range: 5.24% - 10.49%. Loan APRs are based on credit worthiness
Loan amount greater than $25,000; GAP Insurance required on terms over 60 months; Other printed rates: 11.24% / 12.24% (column unlabeled); Vehicles 15,000 miles or less and one model year old can be included
Loan amount greater than $15,000; GAP Insurance required on terms over 60 months; Other printed rates: 11.24% / 12.24% (column unlabeled)
Age: 1-2 Model Years old
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
Model Year: New; 1% discount for auto pay loans
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20265.25%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information.
- Sep 25, 20265.25%▲ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; 2022 & Newer; with less than 45,000 miles
Credit Rating: B (Credit Score 679-650); Risk Based Loans; Rates based on Experian Credit Score
$8000+; Titled vehicle loan; Loan amount: $8000+
As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only
- Oct 13, 20265.31%▲ from 4.81%
- Sep 14, 20264.81%first recorded
As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants
Additional APR listed for this product: 5.69%, 6.09%, 6.49%, 6.59%.
- Oct 8, 20265.39%▼ from 6.09%
- Sep 16, 20266.09%first recorded
As Low As; Loan Amount: $2,500+
As Low As; Model Year: 2025-2023
- Sep 17, 20265.49%▼ from 6.20%
- Sep 14, 20266.20%first recorded
As Low As; Model Year: 2022-2018
- Sep 17, 20265.49%▼ from 6.49%
- Sep 14, 20266.49%first recorded
Daily Periodic Rate: .0150
As Low As
Loans $19,999.99 and under - 95% of NADA Retail
Car loans over $20,000.00
As Low As; Used Auto Loans
As Low As; Used Auto Loans
Age: 3-5 Model Years old
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
- Oct 12, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating; Financing over $30,000.00
Credit Score: (A+) 725 credit score rating
As Low As; Rates based on credit score
APR *rates as low as
As Low As; Model Year: 2025-2021 Used Auto
- Oct 13, 20265.50%▼ from 8.25%
- Sep 14, 20268.25%first recorded
Model Year: 2022 or 2023; Maximum: 100% of retail; Required Credit Score: 650
Credit Rating: B (Credit Score 679-650); Risk Based Loans; Rates based on Experian Credit Score
Credit Rating: A (Credit Score 759-680); Risk Based Loans; Rates based on Experian Credit Score
Term: 72 Months Over $20000; Credit Rating: A+ (Credit Score 760+); Risk Based Loans; Rates based on Experian Credit Score
Credit Rating: A+ (Credit Score 760+); Risk Based Loan
As Low As; Competitive rates; Gap Available; Free e-statements; Free online and mobile banking
APR Type: Fixed; Rates as of 6/12/2012
APR Type: Fixed; Rates as of 6/12/2012
$12,000 +; Titled vehicle loan; Loan amount: $12,000+
As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only
- Oct 13, 20265.56%▲ from 5.06%
- Sep 14, 20265.06%first recorded
As Low As; Loan Amount: $15,000+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $5,000+
Annual percentage rates may be as low as*
As Low As
Published APR range: 5.74% - 10.49%. Loan APRs are based on credit worthiness
Published APR range: 5.74% - 11.24%. Financing 95% or NADA Retail Value; length of financing determined by LTV ratio and age of auto; Loan APRs are based on credit worthiness
Loan amount greater than $25,000; GAP Insurance required on terms over 60 months; Other printed rates: 11.74% / 12.74% (column unlabeled)
As Low As; Used Auto Loans
As Low As; Used Auto Loans
As Low As; Used Auto Loans
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20265.75%▼ from 7.50%
- Sep 17, 20267.50%first recorded
Model Year: New; 1% discount for auto pay loans
As Low As; Model Year: 2015-2018; Other terms and rates available. Please contact us for more information.
- Sep 25, 20265.75%▲ from 5.49%
- Sep 14, 20265.49%first recorded
APR *rates as low as
Credit Rating: A (Credit Score 759-680); Risk Based Loan
Credit Rating: A+ (Credit Score 760+); Risk Based Loan
Pullman New Auto Auto Loan Rates
As Low As; Rates effective as of September 1, 2026
As Low As; New Auto Loans - as low as 2.99%
As Low As; New Auto Loans - as low as 2.99%
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
As Low As; Model Year: 2026-2025
As Low As; Model Year: 2026-2025
As Low As; Model Year: 2025-2024 New
As Low As; Auto 0-48 months (up to 110%)
As Low As; Advertised with approved credit
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published APR range: 4.00% - 11.50%. Amount: up to $23,000
As Low As; Model Year: 2025-2024 New
As Low As; Model Year: 2025-2024 New
As Low As; 49-60 months (up to 110%)
As Low As; Minimum Financing of $25,000 for 84 Months; Rates effective as of September 1, 2026
As Low As; Model Year: 2026-2025
Daily Periodic Rate: .0116
As Low As; Featured Rates; Rates Subject To Change Without Notice
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
As Low As; Model Year: 2025-2024 New
As Low As; Model Year: 2026-2025
As Low As; New Auto Loans - as low as 2.99%
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
As Low As; Rates based on credit score
As Low As; Model Year: 2025-2024 New
Credit Rating: A+ (Credit Score 760+); Risk Based Loans; Rates based on Experian Credit Score
As Low As; Rates as low as 4.50%; Rate and term based on credit worthiness, loan to value, vehicle age, and amount financed
As Low As; Rates as low as 4.50%
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; 100% Financing; Rates effective 1-2-26. Payment example of 4.59% APR for 36 months would be $250 cash applies only to approved vehicle and motorcycle loans. This $250 cash offer is good for 2018-2026 vehicles on approved new loans or refinanced loans from other financial institutions. Limited time offer; terms and conditions subject to change without notice.
As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only
- Oct 13, 20264.60%▲ from 4.10%
- Sep 14, 20264.10%first recorded
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
Published APR range: 4.74% - 10.49%. Loan APRs are based on credit worthiness
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Credit Rating: A (Credit Score 759-680); Risk Based Loans; Rates based on Experian Credit Score
Credit Rating: A+ (Credit Score 760+); Risk Based Loans; Rates based on Experian Credit Score
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; 61-72 months (up to 110%)
Daily Periodic Rate: .0137
Term: 36, 48, 60, 72 Months
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
- Oct 12, 20265.00%▼ from 5.25%
- Sep 17, 20265.25%first recorded
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20265.00%▼ from 7.00%
- Sep 17, 20267.00%first recorded
Credit Rating: A (Credit Score 759-680); Risk Based Loans; Rates based on Experian Credit Score
Credit Rating: A+ (Credit Score 760+); Risk Based Loans; Rates based on Experian Credit Score
APR Type: Fixed; Rates as of 6/12/2012
As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only
- Oct 13, 20265.08%▲ from 4.58%
- Sep 14, 20264.58%first recorded
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; 73-84 months (up to 110% $25K or more)
As Low As; Model Year: 2026-2025
Published APR range: 5.24% - 10.49%. Loan APRs are based on credit worthiness
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
Model Year: New; 1% discount for auto pay loans
Credit Rating: B (Credit Score 679-650); Risk Based Loans; Rates based on Experian Credit Score
As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only
- Oct 13, 20265.31%▲ from 4.81%
- Sep 14, 20264.81%first recorded
As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants
Car loans over $20,000.00
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
- Oct 12, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
Model Year: 26,25,24 (never titled); Credit Score: (A+) 725 credit score rating; Financing over $30,000.00
As Low As; Rates based on credit score
Model Year: 2022 or 2023; Maximum: 100% of retail; Required Credit Score: 650
Credit Rating: B (Credit Score 679-650); Risk Based Loans; Rates based on Experian Credit Score
Credit Rating: A (Credit Score 759-680); Risk Based Loans; Rates based on Experian Credit Score
Term: 72 Months Over $20000; Credit Rating: A+ (Credit Score 760+); Risk Based Loans; Rates based on Experian Credit Score
Credit Rating: A+ (Credit Score 760+); Risk Based Loan
As Low As; Competitive rates; Gap Available; Free e-statements; Free online and mobile banking
APR Type: Fixed; Rates as of 6/12/2012
As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only
- Oct 13, 20265.56%▲ from 5.06%
- Sep 14, 20265.06%first recorded
As Low As; Loan Amount: $15,000+; Up to 125% financing for qualified applicants
Published APR range: 5.74% - 10.49%. Loan APRs are based on credit worthiness
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20265.75%▼ from 7.50%
- Sep 17, 20267.50%first recorded
Model Year: New; 1% discount for auto pay loans
Credit Rating: A (Credit Score 759-680); Risk Based Loan
Credit Rating: A+ (Credit Score 760+); Risk Based Loan
Pullman Used Auto Auto Loan Rates
As Low As; Rates effective as of September 1, 2026
As Low As; Used Model Years 2024-2026
As Low As; Used Auto Loans
As Low As; Used Auto Loans
As Low As; Used Auto Loans
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
As Low As; Minimum Financing of $10,000 for 60 Months; Used Model Years 2024-2026
As Low As
As Low As; Model Year: 2025-2023
As Low As; Auto 0-48 months (up to 110%)
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Published APR range: 4.00% - 12.25%. 100% of NADA Retail; Cars over 6 years old: max term 48 months; Cars over 10 years old: max term 36 months
As Low As; Model Year: 2025-2021 Used Auto
- Oct 13, 20264.00%▼ from 6.00%
- Sep 14, 20266.00%first recorded
As Low As; 49-60 months (up to 110%)
As Low As; Minimum Financing of $25,000 for 84 Months; Rates effective as of September 1, 2026
As Low As; Minimum Financing of $15,000 for 72 Months; Used Model Years 2024-2026
As Low As; Minimum Financing of $10,000 for 60 Months
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
As Low As; Model Year: 2025-2021 Used Auto
- Oct 13, 20264.25%▼ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; Model Year: 2025-2023
As Low As; Used Auto Loans
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20264.50%▼ from 6.50%
- Sep 17, 20266.50%first recorded
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only
- Oct 13, 20264.60%▲ from 4.10%
- Sep 14, 20264.10%first recorded
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; Loan Amount: $2,500+
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; Minimum Financing of $25,000 for 84 Months; Used Model Years 2024-2026
As Low As; Featured Rates; Rates Subject To Change Without Notice
Credit Score: (A+) 725 credit score rating
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20264.75%▼ from 6.50%
- Sep 17, 20266.50%first recorded
As Low As; Model Year: 2025-2021 Used Auto
- Oct 13, 20264.75%▼ from 7.25%
- Sep 14, 20267.25%first recorded
As Low As; 61-72 months (up to 110%)
As Low As; up to 110%
As Low As; Minimum Financing of $25,000 for 84 Months
As Low As; Model Year: 2025-2023
- Sep 17, 20264.99%▼ from 6.24%
- Sep 14, 20266.24%first recorded
As Low As; Model Year: 2025-2023
- Sep 17, 20264.99%▼ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Advertised with approved credit; 9 years old max, must payoff by 13th year of life
As Low As; Used Auto Loans
Age: 1-2 Model Years old
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
- Oct 12, 20265.00%▼ from 5.25%
- Sep 17, 20265.25%first recorded
Credit Score: (A+) 725 credit score rating
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20265.00%▼ from 7.00%
- Sep 17, 20267.00%first recorded
APR *rates as low as
APR *rates as low as
As Low As; Model Year: 2025-2021 Used Auto
- Oct 13, 20265.00%▼ from 7.75%
- Sep 14, 20267.75%first recorded
As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only
- Oct 13, 20265.08%▲ from 4.58%
- Sep 14, 20264.58%first recorded
As Low As; Loan Amount: $2,500+
As Low As; APR based on $25,000 loan with $150 origination fee; rates based on A+ credit score, 10% equity, auto deduction from Desco Advantage Plus checking, current Desco mortgage, Desco credit card
As Low As; 73-84 months (up to 110% $25K or more)
As Low As; up to 110%
Age: 1-2 Model Years old
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Score: 680 - 729; Grade of Paper: A; Effective October 1, 2026
- Oct 13, 20265.25%▼ from 7.00%
- Sep 17, 20267.00%first recorded
As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only
- Oct 13, 20265.31%▲ from 4.81%
- Sep 14, 20264.81%first recorded
As Low As; Loan Amount: $2,500+
As Low As; Model Year: 2025-2023
- Sep 17, 20265.49%▼ from 6.20%
- Sep 14, 20266.20%first recorded
As Low As; Model Year: 2022-2018
- Sep 17, 20265.49%▼ from 6.49%
- Sep 14, 20266.49%first recorded
Daily Periodic Rate: .0150
Loans $19,999.99 and under - 95% of NADA Retail
As Low As; Used Auto Loans
As Low As; Used Auto Loans
Age: 3-5 Model Years old
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
- Oct 12, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
Credit Score: (A+) 725 credit score rating
APR *rates as low as
As Low As; Model Year: 2025-2021 Used Auto
- Oct 13, 20265.50%▼ from 8.25%
- Sep 14, 20268.25%first recorded
Credit Rating: A+ (Credit Score 760+); Risk Based Loan
APR Type: Fixed; Rates as of 6/12/2012
As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only
- Oct 13, 20265.56%▲ from 5.06%
- Sep 14, 20265.06%first recorded
As Low As; Loan Amount: $5,000+
Published APR range: 5.74% - 11.24%. Financing 95% or NADA Retail Value; length of financing determined by LTV ratio and age of auto; Loan APRs are based on credit worthiness
As Low As; Used Auto Loans
As Low As; Used Auto Loans
As Low As; Used Auto Loans
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
- Oct 13, 20265.75%▼ from 7.50%
- Sep 17, 20267.50%first recorded
APR *rates as low as
Credit Rating: A (Credit Score 759-680); Risk Based Loan
Credit Rating: A+ (Credit Score 760+); Risk Based Loan
Pullman, WV Auto Loan Rate Trends
Compare local Pullman, WV 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.
West Virginia new auto rates rose 0.013 points over the past 7 days to 5.007% APR.
West Virginia used auto rates rose 0.081 points over the past 7 days to 5.885% APR.
Pullman, WV 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 West Virginia 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 West Virginia 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 @ 5.01% APR WV average | Used Auto @ 5.88% APR WV average | Monthly Difference |
|---|---|---|---|
| $15,000 | $283.12/mo | $289.19/mo | $6.07/mo |
| $25,000 | $471.86/mo | $481.98/mo | $10.12/mo |
| $35,000 | $660.61/mo | $674.78/mo | $14.17/mo |
| $45,000 | $849.35/mo | $867.57/mo | $18.22/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 Pullman, West Virginia
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Pullman, West Virginia 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 West Virginia. 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 Pullman, West Virginia 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: Pullman, West Virginia CD rates lock in a guaranteed return until you’re ready to buy
West Virginia Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $566 monthly car payment works out to roughly 16.9% of the median individual income in West Virginia. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Pullman, West Virginia, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Pullman, West Virginia. We’ve prefilled the APR with today’s WV 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 Pullman, West Virginia 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 Pullman, West Virginia 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 Pullman, West Virginia. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in WV.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Pullman, West Virginia
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Pullman, West Virginia
How does my credit score affect my car loan rate in West Virginia?
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 Pullman, West Virginia?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Pullman, West Virginia?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Pullman, West Virginia?
- WEPCO Federal Credit Union: 2.49% (New or Used Vehicle Loans - New Model 2026 and Newer)
- First Priority Federal Credit Union: 2.99% (New Auto Loans)
- Eastern Panhandle Federal Credit Union: 3.24% (Vehicle Loan)
- Romney Federal Credit Union: 3.49% (New Auto)
- First Peoples Community Federal Credit Union: 3.49% (Auto Loan)
Pullman, West Virginia Rates & Resources
