The Oregon auto loan calculator estimate for a $35,000 new car with $3,500 down, financed over 60 months at today's MonitorBankRates Oregon average new auto loan APR of 5.29% with the Oregon vehicle sales tax of 0.00% and $300 in fees added to the loan, is a monthly car payment of about $604, or about $695 a month with the average Oregon car insurance premium included, verified by MonitorBankRates as of November 10, 2026.
Lenders serving Oregon currently advertise auto loan APRs from 3.85% to 4.25% across the 5 offers listed below. This calculator finances what a Oregon dealer actually finances: the price minus your down payment and trade in, plus Oregon sales tax and fees. The APR is today's MonitorBankRates Oregon average; switch to used with one click or apply a verified lender APR from the panel below. The same loan at the Oregon used car average of 5.77% costs about $611 a month.
Oregon Car Payment Estimator
Prefilled with the MonitorBankRates Oregon average APR, the Oregon sales tax rate and average insurance. Results update as you type.
Where the amount financed comes from
| Vehicle price | $0 |
| Oregon sales tax | $0 |
| Title, registration and fees | $0 |
| Down payment | $0 |
| Trade in | $0 |
| Amount financed | $0 |
Loan balance over time
Amortization schedule (yearly totals)
| Year | Principal Paid | Interest Paid | Ending Balance |
|---|
Current Oregon Average Auto Loan Rates
Today's MonitorBankRates Oregon averages first, then the lowest verified new and used offers from lenders serving Oregon. Click any APR to run it through the calculator.
Auto Loan Offers in Oregon and the Payment on a $35,000 Car
Monthly payment on the example loan ($31,800 financed after $3,500 down, Oregon tax and fees) at each lender's advertised APR and term, from rate sheets published by the lender and verified by MonitorBankRates.
- South Coast ILWU Federal Credit UnionNew Auto Loan, verified Nov 7, 20263.85% APR$583 a month over 60 months
- Sage Credit UnionAuto Loan, verified Nov 7, 20263.99% APR$586 a month over 60 months
- IBEW And United Workers Federal Credit UnionNew Auto 2024 and Newer, verified Nov 7, 20263.99% APR$586 a month over 60 months
- Ironworkers USA Federal Credit UnionNew Vehicle Loans, verified Nov 7, 20264.24% APR$589 a month over 60 months
- Emerald Empire Federal Credit UnionNew Vehicles Loans (2024 and Newer) Auto's / Trucks, verified Nov 7, 20264.25% APR$589 a month over 60 months
Compare every new and used auto loan, local banks and credit unions first, on the Oregon auto loan rates page.
View Your Oregon Auto Loan Rate
Personalized auto loan offers from lenders serving Oregon.
What a Car Loan Costs in Oregon Right Now
| $35,000 new car, $3,500 down, Oregon tax and fees: $31,800 financed at the MonitorBankRates Oregon average of 5.29% | Monthly | Total interest |
|---|---|---|
| 36 months | $957 | $2,658 |
| 48 months | $736 | $3,551 |
| 60 months | $604 | $4,458 |
| 72 months | $516 | $5,379 |
| 84 months | $454 | $6,316 |
Oregon sales tax adds $0 to a $35,000 car, which at 5.29% over 60 months is about $0 of the monthly payment. The Oregon average APR of 5.29% is below the U.S. average of 6.00%. Add the average Oregon car insurance premium of $91 a month and the car costs about $695 a month to keep on the road before fuel and maintenance, which is 10.1% of the Oregon median household income of $83,011. Rates change daily; every figure on this page is recalculated when it loads from the current MonitorBankRates Oregon average.
Car Payments by Price in Oregon
10% down, Oregon sales tax of 0.00% and $300 in fees financed, 60 months at the MonitorBankRates Oregon averages for new (5.29%) and used (5.77%) cars.
| Price | Down | Oregon tax | Amount financed | New car payment | Used car payment |
|---|---|---|---|---|---|
| $15,000 | $1,500 | $0 | $13,800 | $262 | $265 |
| $25,000 | $2,500 | $0 | $22,800 | $433 | $438 |
| $35,000 | $3,500 | $0 | $31,800 | $604 | $611 |
| $45,000 | $4,500 | $0 | $40,800 | $775 | $784 |
| $60,000 | $6,000 | $0 | $54,300 | $1,032 | $1,044 |
Car Payment Budgets in Oregon's Largest Cities
What a car payment looks like against each city's median household income. The 10% guideline caps the payment at a tenth of monthly take-home; the loan column is what that payment finances over 60 months at the MonitorBankRates Oregon new car average of 5.29%, before insurance, which averages about $91 a month in Oregon. Open a city's rates page for verified lender APRs.
| City | Median household income | 10% payment guideline | Loan it finances (60 months) |
|---|---|---|---|
| Portland auto loan rates | $90,919 | $758 a month | $39,900 |
| Salem auto loan rates | $75,487 | $629 a month | $33,100 |
| Eugene auto loan rates | $66,562 | $555 a month | $29,200 |
| Gresham auto loan rates | $77,795 | $648 a month | $34,100 |
| Hillsboro auto loan rates | $106,409 | $887 a month | $46,700 |
| Bend auto loan rates | $96,394 | $803 a month | $42,300 |
| Beaverton auto loan rates | $98,622 | $822 a month | $43,300 |
| Medford auto loan rates | $73,230 | $610 a month | $32,100 |
| Springfield auto loan rates | $68,761 | $573 a month | $30,200 |
| Corvallis auto loan rates | $65,012 | $542 a month | $28,500 |
For example, the median Portland household ($90,919 a year) lands at about $758 a month under the 10% guideline, which is the payment on the $35,000 example above only with a larger down payment or a longer term. Auto loan rates are set by your credit score and the lender, not by city, so the same Oregon average applies in every row.
Buying a Car in Oregon: Tax, Fees and Insurance
Sales tax. No sales tax; a 0.5% vehicle privilege tax applies to new vehicles. Dealers add the tax to the amount financed unless you pay it at signing, so it costs interest for the life of the loan.
Trade in. In Oregon the trade in value is subtracted before tax is figured, so a $10,000 trade in saves $0 in tax on top of lowering the loan.
Fees. Title, registration and plate fees are set by the Oregon motor vehicle agency and vary by vehicle; dealer documentation fees are set by the dealer and run from about $100 to more than $800 depending on the state. The calculator uses $300 as a placeholder; replace it with the figures on your buyer's order.
Insurance. The average Oregon car insurance premium is about $1,088 a year, or $91 a month, according to the NAIC, compared with about $1,258 nationally. Lenders require full coverage on a financed car, so budget for it alongside the payment. Compare carriers on the Oregon car insurance page.
How to Use the Oregon Auto Loan Calculator
- Start from the Oregon defaults
The APR is today's MonitorBankRates Oregon average, the sales tax is the Oregon vehicle rate and the insurance line is the state average. Switch to used with one click.
- Enter the deal
Type the negotiated price, your down payment and trade in, and the fees from the buyer's order. Add your local tax rate if your county or city charges more than the state rate.
- Click a verified lender APR
The panel lists the lowest current new and used offers from lenders serving Oregon. One click applies that APR and term.
- Read the full monthly cost
The large figure is the loan payment. Payment plus insurance shows what the car costs each month to keep on the road.
Frequently Asked Questions About Car Loans in Oregon
What is the average auto loan rate in Oregon today?
The MonitorBankRates Oregon average new auto loan APR is 5.29% as of November 10, 2026, and the average used auto loan APR is 5.77%, computed every day from rates published by banks and credit unions lending in Oregon. Individual lenders currently advertise APRs from 3.85% to 4.25% for borrowers with strong credit; compare offers on the Oregon auto loan rates page.
How much is the car payment on a $35,000 car in Oregon?
With $3,500 down, Oregon sales tax of 0.00% and $300 in fees, the amount financed is $31,800. At the MonitorBankRates Oregon average new auto loan APR of 5.29% that is about $604 a month over 60 months, $736 over 48 months, or $516 over 72 months.
What is the sales tax on a car in Oregon?
No sales tax; a 0.5% vehicle privilege tax applies to new vehicles. On a $35,000 car the state rate of 0.00% comes to $0. The trade in value is subtracted before tax in Oregon.
Does a trade in reduce sales tax in Oregon?
Yes. Oregon charges sales tax on the purchase price minus the trade in, so a $10,000 trade in saves $0 in tax at the 0.00% state rate in addition to lowering the loan.
How much is car insurance in Oregon?
The NAIC average car insurance premium in Oregon is about $1,088 a year, or $91 a month, compared with about $1,258 nationally. Full coverage is required on a financed car, so the calculator adds the premium to the payment: about $695 a month for the example car.
What loan term should I choose?
The shortest term whose payment fits. On the $31,800 example at 5.29%, 48 months costs $736 a month, 60 months $604, and 84 months $454. The 84 month loan pays about $1,858 more interest than the 60 month loan and leaves you owing more than the car is worth for years.
How much should I put down on a car in Oregon?
At least 10% on a used car and 20% on a new one is the usual guidance. Twenty percent down on the $35,000 example, $7,000, cuts the payment by about $67 a month and reduces the time you owe more than the car is worth.
Auto Loan Calculators for Other States
Each state page starts from that state's MonitorBankRates average APR, vehicle sales tax rate and average car insurance cost. The national auto loan calculator compares the payment on the same car in every state.
