Vehicle Loans in Oak Harbor, WA

Looking for the best car loan rates in Oak Harbor, WA? Compare offers from trusted local lenders in minutes and find rates that fit your budget. Whether you’re buying new or used, we make it easy to save and drive away happy.

Our community-focused lenders know Oak Harbor drivers and offer quick approvals with friendly service. Start comparing today to lock in competitive rates and enjoy a smooth, stress-free car buying experience right here in town.

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Lender
APR
Term
Link
Info
wecu
4.99 - 24.99 %
figfcu
4.99 - 7.49 %
3 - 8 Yrs
nuvisionfederal
5.09 - 10.34 %
7 Yrs
onpointcu
5.14 - 12.99 %
3 - 7 Yrs
affinityfcu
5.2 - 7.55 %
3 - 7 Yrs
youracu
5.21 - 14.14 %
3.1 - 7 Yrs
fibrecu
5.24 %
4 - 7 Yrs
seattlecu
5.24 - 5.74 %
3 - 7 Yrs
meriwest
5.24 - 7.59 %
1 - 7 Yrs
unitusccu
5.29 - 6.29 %

Today’s Vehicle Loan Rates & Analysis - Updated on 2026-SEP-14

Credit Union Loan Rates - Trends & Analysis:

Whatcom Educational's auto loans with APRs ranging from 4.99% to 24.99% , and motorcycle loans with rates between 7.49% and 20.49% . These rates have shown no change compared to 7 and 30 days ago. Other loan types have APRs from 7.24% to 19.99% , also with no recent changes. Farmers Insurance vehicle loans range from 4.99% to 7.49% for auto loans and 6.99% to 9.49% for recreational loans. Rates for both products show no change compared to 7 and 30 days ago. The auto loan range was slightly higher 90 days ago.

Nuvision's auto loan rates range from 4.89% to 10.34% APR with no change over the past 7 and 30 days. Motorcycle loans have rates between 6.49% and 15.69% APR, also showing no change. Recreational loan rates are from 5.99% to 18% APR, which is down from 7.99% to 18% thirty days ago. Onpoint Community's auto loan rates range from 4.99% to 12.99% APR today. These rates are unchanged from 7 and 30 days ago and up slightly from 30 and 60 days ago. Compared to 90 days ago, the upper end of the range is higher.

Affinity's auto loans with APRs ranging from 4.94% to 7.55% . These rates have stayed the same compared to 7, 30, and 60 days ago, but they are slightly lower than 90 days ago. America'S Credit Union, A has auto loan rates ranging from 5.21% to 14.14% APR and motorcycle loans from 8.05% to 11.49% APR. Unchanged over the past 7 or 30 days. Recreational loan rates are between 8.9% and 18% APR, also showing no change during the same periods. Fibre has an auto loan rate of 5.24% APR today, which is unchanged from 7, 60, and 90 days ago. Recreational vehicle loans have a rate of 8.24% APR, also showing no change from 7 and 60 days ago.

Seattle Metropolitan's auto loan rates range from 5.24% to 5.74% APR today. These rates have shown no change compared to 7, 30, 60, and 90 days ago. Meriwest's auto loan rates range from 4.99% to 7.59% APR today. unchanged from 7 and 30 days ago but down from 30 days ago. Unitus Community's auto loans with APRs ranging from 5.04% to 16.09% and motorcycle loans from 7.69% to 22.74% . These rates have shown no change compared to 7 and 30 days ago. Recreational vehicle loans are also available, with APRs between 7.24% and 21.49% , remaining steady over the same periods.

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