Auto Loans · Spokane Valley, Washington
2 credit unions in Spokane Valley report car loan rates to the NCUA. Rates range from 5.49% to 8.03%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
5.49%
Lowest New Car Rate
6.76%
City Average Rate
2 credit unions sorted by APR
2 credit unions sorted by APR
A pre-approval from a Spokane Valley credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Spokane Valley in the same window and take the best offer.
See member reviews, branch locations, and full rate details.