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Auto Loan Rates in Tacoma, Washington (WA) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Tacoma, Washington. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 7, 2026

Current auto loan rates in Tacoma, Washington include IBEW 76 Federal Credit UnionIBEW 76 Federal Credit Union3049 S 36th St, Tacoma, WA, 98409A+5.0 ★Texas Ratio: 3.66% offering New Auto at 4.00%, Sound Community BankSound Community Bank2941 S 38th St, Tacoma, WA, 98409A+5.0 ★Texas Ratio: 2.09% offering Auto Loans at 5.04%, Puget Sound Cooperative Credit UnionPuget Sound Cooperative Credit Union1703 Dock St Ste A, Tacoma, WA, 98402 3235A+5.0 ★Texas Ratio: 3.96% offering New Vehicles at 5.24%, Gesa Credit UnionGesa Credit Union2637 N Pearl St, Tacoma, WA, 98407A+5.0 ★Texas Ratio: 4.63% offering New Auto Loan at 5.74%, Cascade Federal Credit UnionCascade Federal Credit Union2220 S 37th St Ste 7, Tacoma, WA, 98409 7472A+5.0 ★Texas Ratio: 3.26% offering Auto Loans at 6.25%. Auto loan rates as of May 7, 2026 according to verified data from MonitorBankRates.

Tacoma has 5 local institutions in our database, with auto loan rates as low as 4.00% APR from IBEW 76 Federal Credit Union at 3049 S 36th St, Tacoma, WA, 98409. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Tacoma, Washington. Auto Loan Rates Last Updated and Verified: May 7, 2026

Compare Auto Loan Rates Today in Tacoma, Washington & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
3049 S 36th St, Tacoma, WA, 98409
New Auto
4.00%
24 to 84 months
View
▼
APR4.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details

IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
3049 S 36th St, Tacoma, WA, 98409
Used Auto
5.00%
24 to 84 months
View
▼
APR5.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Auto Loans
5.04%
36 Months
View
▼
APR5.04%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
1703 Dock St Ste A, Tacoma, WA, 98402 3235
New Vehicles
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 2, 2026
Details

Model Year 2025 or newer

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Auto Loans
5.30%
48 Months
View
▼
APR5.30%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
1703 Dock St Ste A, Tacoma, WA, 98402 3235
New Vehicles
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 2, 2026
Details

Model Year 2025 or newer

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
1703 Dock St Ste A, Tacoma, WA, 98402 3235
Used Vehicles
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 2, 2026
Details

Model Year 2024 or older

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
New Auto: 2024 and Newer
5.54%
36 Months
View
▼
APR5.54%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Auto Loans
5.62%
60 Months
View
▼
APR5.62%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
1703 Dock St Ste A, Tacoma, WA, 98402 3235
Used Vehicles
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 2, 2026
Details

Model Year 2024 or older

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
2637 N Pearl St, Tacoma, WA, 98407
New Auto Loan
5.74%
36 Months
View
▼
APR5.74%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
New Auto: 2024 and Newer
5.80%
48 Months
View
▼
APR5.80%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
2637 N Pearl St, Tacoma, WA, 98407
New Auto Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
2637 N Pearl St, Tacoma, WA, 98407
Used Auto Loan
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Loan Amount: No Minimum, Vehicle Age: 2012 - 2020

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Auto Loans
6.04%
72 Months
View
▼
APR6.04%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
New Auto: 2024 and Newer
6.12%
60 Months
View
▼
APR6.12%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Auto Loans
6.18%
84 Months
View
▼
APR6.18%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
2637 N Pearl St, Tacoma, WA, 98407
Used Auto Loan
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Loan Amount: $15,000+, Vehicle Age: 2012 - 2020

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
2220 S 37th St Ste 7, Tacoma, WA, 98409 7472
Auto Loans
6.25%
up to 36 months
View
▼
APR6.25%
Termup to 36 months
Last UpdatedMay 6, 2026
Details

As Low As; Model years 2016 - 2026

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
1703 Dock St Ste A, Tacoma, WA, 98402 3235
New Vehicles
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMay 2, 2026
Details

Model Year 2025 or newer

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
6.49%
48 Months
View
▼
APR6.49%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
2220 S 37th St Ste 7, Tacoma, WA, 98409 7472
Auto Loans
6.50%
37 to 48 months
View
▼
APR6.50%
Term37 to 48 months
Last UpdatedMay 6, 2026
Details

As Low As; Model years 2016 - 2026

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
New Auto: 2024 and Newer
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
2220 S 37th St Ste 7, Tacoma, WA, 98409 7472
Auto Loans
6.55%
49 to 60 months
View
▼
APR6.55%
Term49 to 60 months
Last UpdatedMay 6, 2026
Details

As Low As; Model years 2016 - 2026

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
New Auto: 2024 and Newer
6.68%
84 Months
View
▼
APR6.68%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
2220 S 37th St Ste 7, Tacoma, WA, 98409 7472
Auto Loans
6.70%
61 to 72 months
View
▼
APR6.70%
Term61 to 72 months
Last UpdatedMay 6, 2026
Details

As Low As; Model years 2016 - 2026

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
6.71%
60 Months
View
▼
APR6.71%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Cascade Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
2220 S 37th St Ste 7, Tacoma, WA, 98409 7472
Auto Loans
6.95%
73 to 84 months
View
▼
APR6.95%
Term73 to 84 months
Last UpdatedMay 6, 2026
Details

As Low As; Model years 2016 - 2026, minimum loan amount $15,000

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
7.16%
72 Months
View
▼
APR7.16%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
2637 N Pearl St, Tacoma, WA, 98407
Used Auto Loan
7.24%
60 Months
View
▼
APR7.24%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Loan Amount: No Minimum, Vehicle Age: 2011 & Older

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
7.30%
84 Months
View
▼
APR7.30%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New vehicle
1.99%
Up to 84 months
View
▼
APR1.99%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details

As Low As

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
View
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 7, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 27, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
4.19%
36 Months
View
▼
APR4.19%
Term36 Months
Last UpdatedApr 27, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
New Vehicles
4.24%
36-84 months
View
▼
APR4.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Autos
4.25%
Up to 96 Months
View
▼
APR4.25%
TermUp to 96 Months
Last UpdatedMay 2, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
4.25%
0 - 36
View
▼
APR4.25%
Term0 - 36
Last UpdatedMay 7, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans
4.49%
24 Mos.
View
▼
APR4.49%
Term24 Mos.
Last UpdatedMay 2, 2026
Details

As Low As; 4.49%

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Purchase New Auto or Refinance
4.49%
2025 and Newer
View
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 2, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details

0% down OAC

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details

up to 10 years old; 0% down OAC

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans
4.74%
48 Mos.
View
▼
APR4.74%
Term48 Mos.
Last UpdatedMay 2, 2026
Details

As Low As; 4.74%

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2015 - 2024
View
▼
APR4.74%
Term2015 - 2024
Last UpdatedMay 2, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Autos (2020 & Older)
4.74%
Up to 72 Months
View
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 7, 2026
Details

Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New & Used Vehicles
4.75%
Up to 96 months
View
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 2, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; New Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Terms: 60 months or less

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
4.85%
0 - 36
View
▼
APR4.85%
Term0 - 36
Last UpdatedMay 7, 2026
Details

As Low As

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Auto Loan
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 27, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026 min loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 27, 2026
Details

$20,000

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Used Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Terms: 60 months or less

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto/Truck Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Fixed rate, terms up to 72 months with no more than 12,000 miles.

MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
New Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 2, 2026
Details

2024 and newer. Up to 84-month term available. Loan to value based on MSRP or NADA retail.

MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
Used Auto
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details

2023 and older. Up to 72-month term available. Loan to value based on NADA retail.

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As; New Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.00%
61 Months
View
▼
APR5.00%
Term61 Months
Last UpdatedMay 2, 2026
Details

As Low As; Terms: 61 - 72 months

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.00%
37 - 48
View
▼
APR5.00%
Term37 - 48
Last UpdatedMay 7, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.19%
48 Months
View
▼
APR5.19%
Term48 Months
Last UpdatedApr 27, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans
5.24%
72 Mos.
View
▼
APR5.24%
Term72 Mos.
Last UpdatedMay 2, 2026
Details

As Low As; 5.24%

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 2, 2026
Details

Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New or Used Auto
5.24%
up to 84 Months
View
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 2, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As; Used Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.24%
61 Months
View
▼
APR5.24%
Term61 Months
Last UpdatedMay 2, 2026
Details

As Low As; Terms: 61 - 72 months

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
View
▼
APR5.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; New Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.25%
73 Months
View
▼
APR5.25%
Term73 Months
Last UpdatedMay 2, 2026
Details

As Low As; Terms: 73 - 84 months

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026 min loan
5.39%
84 Months
View
▼
APR5.39%
Term84 Months
Last UpdatedApr 27, 2026
Details

$25,000

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 27, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Used Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.49%
73 Months
View
▼
APR5.49%
Term73 Months
Last UpdatedMay 2, 2026
Details

As Low As; Terms: 73 - 84 months

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

0% down OAC

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

up to 10 years old; 0% down OAC

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.50%
49 - 60
View
▼
APR5.50%
Term49 - 60
Last UpdatedMay 7, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
View
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
5.60%
37 - 48
View
▼
APR5.60%
Term37 - 48
Last UpdatedMay 7, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
View
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
View
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans
5.74%
84 Mos.
View
▼
APR5.74%
Term84 Mos.
Last UpdatedMay 2, 2026
Details

As Low As; 5.74%

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto/Truck Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Fixed rate, terms up to 72 months on vehicles up to 10 years old.

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
5.75%
24 - 48
View
▼
APR5.75%
Term24 - 48
Last UpdatedMay 2, 2026
Details

As Low As

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 2, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024 min loan
5.79%
72 Months
View
▼
APR5.79%
Term72 Months
Last UpdatedApr 27, 2026
Details

$20,000

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
View
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
View
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
View
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto/Truck Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Fixed rate, terms up to 84 months with no more than 12,000 miles.

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto/Truck Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 84 months available under certain conditions.

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
6.00%
60 - 72
View
▼
APR6.00%
Term60 - 72
Last UpdatedMay 2, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.00%
61 - 72
View
▼
APR6.00%
Term61 - 72
Last UpdatedMay 7, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024 min loan
6.09%
84 Months
View
▼
APR6.09%
Term84 Months
Last UpdatedApr 27, 2026
Details

$25,000

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.10%
49 - 60
View
▼
APR6.10%
Term49 - 60
Last UpdatedMay 7, 2026
Details

As Low As

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2014 and Older
View
▼
APR6.24%
Term2014 and Older
Last UpdatedMay 2, 2026
Details

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
Used Auto
6.34%
60 Months
View
▼
APR6.34%
Term60 Months
Last UpdatedMay 2, 2026
Details

People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
6.50%
61+ Months
View
▼
APR6.50%
Term61+ Months
Last UpdatedMay 2, 2026
Details

Includes Tax and License

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedMay 7, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.60%
61 - 72
View
▼
APR6.60%
Term61 - 72
Last UpdatedMay 7, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
6.99%
36 Months
View
▼
APR6.99%
Term36 Months
Last UpdatedApr 27, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Older Used Cars
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

11-18 years old; requires 10% down

People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos
7.00%
61+ Months
View
▼
APR7.00%
Term61+ Months
Last UpdatedMay 2, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
7.24%
36 Months
View
▼
APR7.24%
Term36 Months
Last UpdatedApr 27, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
7.35%
73 - 84
View
▼
APR7.35%
Term73 - 84
Last UpdatedMay 7, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026 min loan A+ A Credit Tier Only
7.39%
96 month
View
▼
APR7.39%
Term96 month
Last UpdatedApr 27, 2026
Details

$45,000

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.50%
96 Months
View
▼
APR7.50%
Term96 Months
Last UpdatedMay 2, 2026
Details

As Low As

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
View
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 5, 2026
Details

Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.54%
48 Months
View
▼
APR7.54%
Term48 Months
Last UpdatedApr 27, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.79%
72 Months
View
▼
APR7.79%
Term72 Months
Last UpdatedApr 27, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
8.24%
48 Months
View
▼
APR8.24%
Term48 Months
Last UpdatedApr 27, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
8.25%
108 Months
View
▼
APR8.25%
Term108 Months
Last UpdatedMay 2, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car
8.99%
0 - 60 months
View
▼
APR8.99%
Term0 - 60 months
Last UpdatedMay 7, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Car
13.99%
0 - 60 months
View
▼
APR13.99%
Term0 - 60 months
Last UpdatedMay 7, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
3049 S 36th St, Tacoma, WA, 98409
New Auto
4.00%
24 to 84 months
View
▼
APR4.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
1703 Dock St Ste A, Tacoma, WA, 98402 3235
New Vehicles
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 2, 2026
Details

Model Year 2025 or newer

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
1703 Dock St Ste A, Tacoma, WA, 98402 3235
New Vehicles
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 2, 2026
Details

Model Year 2025 or newer

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
New Auto: 2024 and Newer
5.54%
36 Months
View
▼
APR5.54%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
2637 N Pearl St, Tacoma, WA, 98407
New Auto Loan
5.74%
36 Months
View
▼
APR5.74%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
New Auto: 2024 and Newer
5.80%
48 Months
View
▼
APR5.80%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
2637 N Pearl St, Tacoma, WA, 98407
New Auto Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
New Auto: 2024 and Newer
6.12%
60 Months
View
▼
APR6.12%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
1703 Dock St Ste A, Tacoma, WA, 98402 3235
New Vehicles
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMay 2, 2026
Details

Model Year 2025 or newer

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
6.49%
48 Months
View
▼
APR6.49%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
New Auto: 2024 and Newer
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
New Auto: 2024 and Newer
6.68%
84 Months
View
▼
APR6.68%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
6.71%
60 Months
View
▼
APR6.71%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
7.16%
72 Months
View
▼
APR7.16%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
7.30%
84 Months
View
▼
APR7.30%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

LONGSHOREMENS LOCAL 4
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New vehicle
1.99%
Up to 84 months
View
▼
APR1.99%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details

As Low As

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
View
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 7, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 27, 2026
Details

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
New Vehicles
4.24%
36-84 months
View
▼
APR4.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
4.25%
0 - 36
View
▼
APR4.25%
Term0 - 36
Last UpdatedMay 7, 2026
Details

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Purchase New Auto or Refinance
4.49%
2025 and Newer
View
▼
APR4.49%
Term2025 and Newer
Last UpdatedMay 2, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details

0% down OAC

Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New & Used Vehicles
4.75%
Up to 96 months
View
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 2, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; New Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Terms: 60 months or less

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 27, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026 min loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 27, 2026
Details

$20,000

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Used Auto Purchase or Refinance

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto/Truck Loan
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Fixed rate, terms up to 72 months with no more than 12,000 miles.

MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
New Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 2, 2026
Details

2024 and newer. Up to 84-month term available. Loan to value based on MSRP or NADA retail.

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As; New Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.00%
61 Months
View
▼
APR5.00%
Term61 Months
Last UpdatedMay 2, 2026
Details

As Low As; Terms: 61 - 72 months

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.00%
37 - 48
View
▼
APR5.00%
Term37 - 48
Last UpdatedMay 7, 2026
Details

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 2, 2026
Details

Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New or Used Auto
5.24%
up to 84 Months
View
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 2, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As; Used Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; New Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New Auto Purchase or Refinance
5.25%
73 Months
View
▼
APR5.25%
Term73 Months
Last UpdatedMay 2, 2026
Details

As Low As; Terms: 73 - 84 months

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026 min loan
5.39%
84 Months
View
▼
APR5.39%
Term84 Months
Last UpdatedApr 27, 2026
Details

$25,000

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Used Auto Purchase or Refinance

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Cars
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

0% down OAC

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
5.50%
49 - 60
View
▼
APR5.50%
Term49 - 60
Last UpdatedMay 7, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.54%
Up to 60 months
View
▼
APR5.54%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.64%
61 - 72 months
View
▼
APR5.64%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
5.75%
24 - 48
View
▼
APR5.75%
Term24 - 48
Last UpdatedMay 2, 2026
Details

As Low As

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 2, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
New Auto
5.84%
73 - 84 months
View
▼
APR5.84%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto/Truck Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Fixed rate, terms up to 84 months with no more than 12,000 miles.

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
6.00%
60 - 72
View
▼
APR6.00%
Term60 - 72
Last UpdatedMay 2, 2026
Details

As Low As

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.00%
61 - 72
View
▼
APR6.00%
Term61 - 72
Last UpdatedMay 7, 2026
Details

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
New Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Autos
6.50%
61+ Months
View
▼
APR6.50%
Term61+ Months
Last UpdatedMay 2, 2026
Details

Includes Tax and License

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicles (2023 - 2026)
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedMay 7, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicles Model Year 2025-2026 min loan A+ A Credit Tier Only
7.39%
96 month
View
▼
APR7.39%
Term96 month
Last UpdatedApr 27, 2026
Details

$45,000

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.50%
96 Months
View
▼
APR7.50%
Term96 Months
Last UpdatedMay 2, 2026
Details

As Low As

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
View
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 5, 2026
Details

Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
8.25%
108 Months
View
▼
APR8.25%
Term108 Months
Last UpdatedMay 2, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW 76 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
3049 S 36th St, Tacoma, WA, 98409
Used Auto
5.00%
24 to 84 months
View
▼
APR5.00%
Term24 to 84 months
Last UpdatedApr 18, 2026
Details

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
1703 Dock St Ste A, Tacoma, WA, 98402 3235
Used Vehicles
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 2, 2026
Details

Model Year 2024 or older

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
1703 Dock St Ste A, Tacoma, WA, 98402 3235
Used Vehicles
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 2, 2026
Details

Model Year 2024 or older

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
2637 N Pearl St, Tacoma, WA, 98407
Used Auto Loan
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Loan Amount: No Minimum, Vehicle Age: 2012 - 2020

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
2637 N Pearl St, Tacoma, WA, 98407
Used Auto Loan
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Loan Amount: $15,000+, Vehicle Age: 2012 - 2020

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
6.49%
48 Months
View
▼
APR6.49%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
6.71%
60 Months
View
▼
APR6.71%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
7.16%
72 Months
View
▼
APR7.16%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
2637 N Pearl St, Tacoma, WA, 98407
Used Auto Loan
7.24%
60 Months
View
▼
APR7.24%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Loan Amount: No Minimum, Vehicle Age: 2011 & Older

Sound Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2941 S 38th St, Tacoma, WA, 98409
Used Auto: 2011 and Newer
7.30%
84 Months
View
▼
APR7.30%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
View
▼
APR3.64%
TermUp to 84 Months
Last UpdatedMay 7, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
4.19%
36 Months
View
▼
APR4.19%
Term36 Months
Last UpdatedApr 27, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details

up to 10 years old; 0% down OAC

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
4.74%
2015 - 2024
View
▼
APR4.74%
Term2015 - 2024
Last UpdatedMay 2, 2026
Details

Waterfront Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Autos (2020 & Older)
4.74%
Up to 72 Months
View
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMay 7, 2026
Details

Strait View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New & Used Vehicles
4.75%
Up to 96 months
View
▼
APR4.75%
TermUp to 96 months
Last UpdatedMay 2, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; New Auto Purchase or Refinance

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
4.85%
0 - 36
View
▼
APR4.85%
Term0 - 36
Last UpdatedMay 7, 2026
Details

As Low As

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Used Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Terms: 60 months or less

MountainCrest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
Used Auto
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details

2023 and older. Up to 72-month term available. Loan to value based on NADA retail.

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As; New Auto Purchase or Refinance

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.19%
48 Months
View
▼
APR5.19%
Term48 Months
Last UpdatedApr 27, 2026
Details

Our Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New or Used Auto
5.24%
up to 84 Months
View
▼
APR5.24%
Termup to 84 Months
Last UpdatedMay 2, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As; Used Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.24%
61 Months
View
▼
APR5.24%
Term61 Months
Last UpdatedMay 2, 2026
Details

As Low As; Terms: 61 - 72 months

Ironworkers USA Federal Credit Union
Institution Rating:
C+4.2 ★ Texas Ratio: 24.46%
Used Vehicles
5.24%
36-84 months
View
▼
APR5.24%
Term36-84 months
Last UpdatedMay 7, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; New Auto Purchase or Refinance

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 27, 2026
Details

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
New & Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Used Auto Purchase or Refinance

South Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Used Auto Purchase or Refinance
5.49%
73 Months
View
▼
APR5.49%
Term73 Months
Last UpdatedMay 2, 2026
Details

As Low As; Terms: 73 - 84 months

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used Cars
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

up to 10 years old; 0% down OAC

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
5.60%
37 - 48
View
▼
APR5.60%
Term37 - 48
Last UpdatedMay 7, 2026
Details

As Low As

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.69%
Up to 60 months
View
▼
APR5.69%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto/Truck Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Fixed rate, terms up to 72 months on vehicles up to 10 years old.

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
5.75%
24 - 48
View
▼
APR5.75%
Term24 - 48
Last UpdatedMay 2, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024 min loan
5.79%
72 Months
View
▼
APR5.79%
Term72 Months
Last UpdatedApr 27, 2026
Details

$20,000

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.79%
61 - 72 months
View
▼
APR5.79%
Term61 - 72 months
Last UpdatedMay 6, 2026
Details

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Used Auto
5.99%
73 - 84 months
View
▼
APR5.99%
Term73 - 84 months
Last UpdatedMay 6, 2026
Details

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
Used Auto/Truck Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 84 months available under certain conditions.

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
6.00%
60 - 72
View
▼
APR6.00%
Term60 - 72
Last UpdatedMay 2, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicles Model Year 2020-2024 min loan
6.09%
84 Months
View
▼
APR6.09%
Term84 Months
Last UpdatedApr 27, 2026
Details

$25,000

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.10%
49 - 60
View
▼
APR6.10%
Term49 - 60
Last UpdatedMay 7, 2026
Details

As Low As

NW Priority Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Used Auto
6.24%
2014 and Older
View
▼
APR6.24%
Term2014 and Older
Last UpdatedMay 2, 2026
Details

Connection Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.87%
Used Auto
6.34%
60 Months
View
▼
APR6.34%
Term60 Months
Last UpdatedMay 2, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
6.60%
61 - 72
View
▼
APR6.60%
Term61 - 72
Last UpdatedMay 7, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
6.99%
36 Months
View
▼
APR6.99%
Term36 Months
Last UpdatedApr 27, 2026
Details

Safeway Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Older Used Cars
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMay 6, 2026
Details

11-18 years old; requires 10% down

People\'s Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Autos
7.00%
61+ Months
View
▼
APR7.00%
Term61+ Months
Last UpdatedMay 2, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
7.24%
36 Months
View
▼
APR7.24%
Term36 Months
Last UpdatedApr 27, 2026
Details

Mt Rainier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicles (2017 - 2022)
7.35%
73 - 84
View
▼
APR7.35%
Term73 - 84
Last UpdatedMay 7, 2026
Details

As Low As

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
7.50%
96 Months
View
▼
APR7.50%
Term96 Months
Last UpdatedMay 2, 2026
Details

As Low As

OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New, Used or Classic Vehicle Loan
7.54%
Choose your term to suit your monthly budget
View
▼
APR7.54%
TermChoose your term to suit your monthly budget
Last UpdatedMay 5, 2026
Details

Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.54%
48 Months
View
▼
APR7.54%
Term48 Months
Last UpdatedApr 27, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Classic Used Vehicles Model Year 1972 and Older
7.79%
72 Months
View
▼
APR7.79%
Term72 Months
Last UpdatedApr 27, 2026
Details

Delta Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Older Used Vehicles Model Year 2015-2019
8.24%
48 Months
View
▼
APR8.24%
Term48 Months
Last UpdatedApr 27, 2026
Details

Mill Town Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New & Used Auto Loans
8.25%
108 Months
View
▼
APR8.25%
Term108 Months
Last UpdatedMay 2, 2026
Details

As Low As

Tacoma, WA Auto Loan Rate Trends

Compare local Tacoma, WA auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Washington Auto Trends →
New Auto Loan — WA Avg
5.697%
▲ 0.082 vs 7 days ago

Washington new auto rates rose 0.082 points over the past 7 days to 5.697% APR.

Used Auto Loan — WA Avg
6.588%
▲ 0.010 vs 7 days ago

Washington used auto rates rose 0.010 points over the past 7 days to 6.588% APR.

As of May 7, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Tacoma, Washington

How does my credit score affect my car loan rate in Washington?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Tacoma, Washington with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Washington *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Tacoma, Washington typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Tacoma, Washington?

Based on our current data, some of the lowest auto loan rates available in Tacoma, Washington include:
  • IBEW 76 Federal Credit Union: 4.00% (New Auto)
  • Sound Community Bank: 5.04% (Auto Loans)
  • Puget Sound Cooperative Credit Union: 5.24% (New Vehicles)
  • Gesa Credit Union: 5.74% (New Auto Loan)
  • Cascade Federal Credit Union: 6.25% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Tacoma, Washington. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 7, 2026

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