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
qualstarcu
4.49 - 19.99 %
nasafcu
4.69 - 6.99 %
3.1 - 7 Yrs
connexuscu
4.69 - 6.44 %
2 - 7 Yrs
stcu
4.74 %
5 Yrs
numericacu
4.74 - 14.99 %
7 Yrs
affinityplus
4.74 %
3 - 7 Yrs
p1fcu
4.85 - 5.1 %
6 Yrs
nuvisionfederal
4.89 - 10.14 %
7 Yrs
affinityfcu
4.94 - 6.62 %
3 - 8 Yrs
onpointcu
4.99 - 12.99 %
3 - 8 Yrs

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

Credit Union Loan Rates - Trends & Analysis:

Qualstar's vehicle loans with rates that haven't changed in the past 7, 30, 60, or 90 days. Auto loans range from 4.49% to 21.99% APR, while motorcycle loans range from 6.49% to 15.99% . Recreational loans are also available with rates between 5.99% and 20.74% , showing no change from a week ago. Nasa's auto loan rates range from 4.69% to 6.99% APR today, with no change from 7 days ago but up from 30 and 60 days ago. Recreational loan rates are between 5.79% and 8.74% APR, also unchanged from 7 and 30 days ago and up compared to 30 and 60 days ago.

Connexus's auto loans with APRs ranging from 4.69% to 6.44% , showing no change from 7 or 30 days ago. Recreational vehicle loans have rates between 6.59% and 10.49% , which have also stayed the same over the past month. Spokane Teachers has an Auto loan with a 4.74% APR and a Recreational loan at 6.49% APR. Both rates have stayed the same compared to 7 and 30 days ago, as well as 60 and 90 days ago. Numerica's auto loans with APRs ranging from 4.74% to 14.99% , showing no change from 7 or 30 days ago. Recreational loans have rates between 6.24% and 17.9% , which have also stayed the same over the past 7 and 30 days.

Affinity Plus has auto loans with APRs ranging from 4.74% to 6.24% and motorcycle loans from 4.74% to 7.24% . Unchanged in the past 7 or 60 days. Recreational loans range from 5.49% to 8.24% , also showing no change over the same periods. Potlatch No. 1 Financial has auto loan rates ranging from 4.85% to 5.1% APR, which are unchanged from 7 and 30 days ago but up from 90 days ago. Recreational loan rates are between 6.99% and 7.24% APR and have stayed the same over the past 7, 30, and 60 days.

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. 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.

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.

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