Auto Loans

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New & Used

Reliable, economical, comfortable car loans.

Features and Benefits

Terms up to 84 months
No payments for 60 days
Loans for collector cars
10-day grace period
Some of the best rates around

Auto Loan Rates (APR*)

See rates based on your credit:

Loan Type	Up to 36 Months	60 Months	72 Months	84 Months	Max LTV
2021 & Newer	5.28%	5.41%	5.53%	5.65%	120%	Apply
2021 & Newer	5.28%	6.06%	6.18%	6.30%	120%	Apply
2021 & Newer	5.28%	7.11%	7.23%	7.35%	120%	Apply
2021 & Newer	5.28%	11.41% - 18.00%	11.53% - 18.00%	Not Available	**See Below	Apply
2021 & Newer	5.28%	12.41% - 18.00%	12.53% - 18.00%	Not Available	**See Below	Apply
2016-2020	5.78%	5.91%	6.03%	6.15%	120%	Apply
2016-2020	5.78%	6.56%	6.68%	6.80%	120%	Apply
2016-2020	5.78%	7.61%	7.73%	7.85%	120%	Apply
2016-2020	5.78%	11.91% - 18.00%	12.03% - 18.00%	Not Available	**See Disclosure	Apply
2016-2020	5.78%	12.91% - 18.00%	13.03% - 18.00%	Not Available	**See Disclosure	Apply
2015 & Older	6.28%	6.41%	Not Available	Not Available	120%	Apply
2015 & Older	6.28%	7.06%	Not Available	Not Available	120%	Apply
2015 & Older	6.28%	8.11%	Not Available	Not Available	120%	Apply
2015 & Older	6.28%	12.41% - 18.00%	Not Available	Not Available	**See Disclosure	Apply
2015 & Older	6.28%	13.41% - 18.00%	Not Available	Not Available	**See Disclosure	Apply

Used (2016 to 2020): Add 0.50% to New rate.

Older (2015 & Older): Add 1.00% to New rate; max. term 60 months.

*Rates presented in this table are Annual Percentage Rates (APR). Auto Loan rates are fixed. Maximum loan amount $100,000. Vehicles over 130,000 miles have a max. LTV of 90% and a max. term of 48 months. Collector cars must be driven no more than 1,000 miles/yr max., and max. LTV is 80% of appraised value or value determined by Oregonians from CPI Black Book. Payment example: $484.02 based on a 60 month, $25,000 loan at 6.06% APR.

^**LTV will vary based on factors like credit history, debt-to-income ratio, term selected, and other factors.

First Time Auto Buyer

If you’ve never had a car loan before, this one was designed just for you.

Features and Benefits

Terms up to 84 months
Max. loan amount of $15,000
10% down payment required
Vehicles must be 10 years old or newer, with less than 100,000 miles

Qualifications

18 years of age or older
No derogatory credit history
No previous auto loans
$1,500 monthly gross income
One year on the job, or two years in the same line of work

First-Time Auto Buyer Loan Rates (APR*)

See rates based on your credit:

Loan Type	Term	Standard APR*	Max LTV
First Time Auto Buyer	Up to 60 months	12.11%	90%	Apply
First Time Auto Buyer	Up to 60 months	12.11%	90%	Apply
First Time Auto Buyer	Up to 60 months	12.11%	90%	Apply
First Time Auto Buyer	Up to 60 months	12.11%	90%	Apply
First Time Auto Buyer	Up to 60 months	12.11%	90%	Apply

*APR = Annual Percentage Rate. The Standard Rate is fixed, and is the same for all terms. Must least 18 years of age with 1 year on job, or 2 years in same line of work. Proof of income required. No derogatory credit. No previous auto trade line. Vehicle must be up to 10 years of age with under 100,000 miles. Maximum loan amount $15,000. Payment example: $334.50 based on a 60 month, $15,000 loan at 12.11% APR.

Find your next rig

Been shopping for a car? You’ve probably checked Edmunds, Car Gurus, and maybe some other sites. Here’s another site you can add to your list. All of the vehicles on it are listed by dealers we trust.