Federal Way, Washington Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
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Federal Way, Washington auto loan rates range from 1.99% to 8.25% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Federal Way, Washington include Firefighters First Federal Credit UnionFirefighters First Federal Credit Union32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801A+5.0 ★Texas Ratio: 1.69%Rate verified Nov 8, 2026 offering New and Used Autos - 36 Months Loan at 4.49%, Ukrainian Federal Credit UnionUkrainian Federal Credit Union716 S 348th St Bldg C, Federal Way, WA, 98003 7000A5.0 ★Texas Ratio: 10.53%Rate verified Nov 7, 2026 offering Used Auto Loan (vehicle year 2022 - 2026) at 5.25%, Bank of AmericaBank of America2100 Sw 336th St, Federal Way, WA, 98023A+5.0 ★Texas Ratio: 4.14%Rate verified Nov 5, 2026 offering New Car (dealer) Auto Loan at 5.64%, Credit Human Federal Credit UnionCredit Human Federal Credit Union33820 Weyerhaeuser Way S Ste 110, Federal Way, WA, 98001 8617A5.0 ★Texas Ratio: 11.83%Rate verified Nov 5, 2026 offering Auto Loan - 2023 and newer at 5.69%, Chase BankChase Bank32000 Pacific Hwy S, Federal Way, WA, 98003A+5.0 ★Texas Ratio: 3.68%Rate verified Nov 5, 2026 offering Auto Loan - New car purchase at 6.09%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Federal Way has 7 local institutions in our database, with auto loan rates as low as 4.49% APR from Firefighters First Federal Credit Union at 32129 Weyerhaeuser Way S Ste 102, Federal Way, WA, 98001 9801. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Federal Way, Washington. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Federal Way, Washington & Surrounding Area
Federal Way Auto Loan Rates
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 36 Months
- Oct 26, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 48 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 60 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 72 Months
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 3; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 4; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Standard APR*: 6.50%; Maximum Term in Years: 5; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Model Year: 2023 and newer; Minimum loan: $7,500; APR range: 5.69% - 14.29%; Rate discounts may apply; Rates effective as of 07-01-2026
Vehicle model year: 2023 and newer; Minimum loan: $7,500; Rate range: 5.69% - 14.29%; Rates effective as of 07-01-2026; 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score; 79 - 84-month term requires minimum 680 FICO score and $25,000 amount financed
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 84 Months
As Low As; Standard APR*: 6.75%; Maximum Term in Years: 6; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Model Year: 2016 - 2018; Minimum loan: $7,500; APR range: 5.89% - 14.09%; Rate discounts may apply; Rates effective as of 07-01-2026
Model Year: 2019; Minimum loan: $7,500; APR range: 5.89% - 14.09%; Rate discounts may apply; Rates effective as of 07-01-2026
Model Year: 2020; Minimum loan: $7,500; APR range: 5.89% - 14.09%; Rate discounts may apply; Rates effective as of 07-01-2026
Model Year: 2021 - 2022; Minimum loan: $7,500; APR range: 5.89% - 14.29%; Rate discounts may apply; Rates effective as of 07-01-2026
Vehicle model year: 2016 - 2018; Minimum loan: $7,500; Rate range: 5.89% - 14.09%; Rates effective as of 07-01-2026
Vehicle model year: 2019; Minimum loan: $7,500; Rate range: 5.89% - 14.09%; Rates effective as of 07-01-2026
Vehicle model year: 2020; Minimum loan: $7,500; Rate range: 5.89% - 14.09%; Rates effective as of 07-01-2026
Vehicle model year: 2021 - 2022; Minimum loan: $7,500; Rate range: 5.89% - 14.29%; Rates effective as of 07-01-2026
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; APR as low as 5.25%; Maximum relationship discount 1.00%
- Oct 12, 20266.25%▲ from 5.75%
- Oct 8, 20265.75%first recorded
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; APR as low as 5.50%; Maximum relationship discount 1.00%
- Oct 12, 20266.50%▲ from 6.00%
- Oct 8, 20266.00%first recorded
APR range: 6.750%-16.000%; ATV, Snowmachine, & Motorcycle Loan Rates; rate depends on borrower credit qualifications, mileage and age of collateral
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; APR as low as 5.75%; Maximum relationship discount 1.00%
- Oct 12, 20266.75%▲ from 6.25%
- Oct 8, 20266.25%first recorded
Published rate range: 6.99% - 12.74%. Fixed rate; autos, light trucks and light vans; $10,000 minimum; loan to value max 80% of KBB wholesale or vehicle invoice (LTV may include tax, license, warranty, GAP, service agreement, Lo-Jack, SkyLink charges)
APR range: 7.000%-16.250%; ATV, Snowmachine, & Motorcycle Loan Rates; rate depends on borrower credit qualifications, mileage and age of collateral
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
Published rate range: 7.49% - 13.74%. Fixed rate; autos, light trucks and light vans; $10,000 minimum; loan to value max 80% of KBB retail (LTV may include tax, license, warranty, GAP, service agreement, Lo-Jack, SkyLink charges)
APR range: 7.500%-16.750%; ATV, Snowmachine, & Motorcycle Loan Rates; rate depends on borrower credit qualifications, mileage and age of collateral
APR*; relationship discounts may apply
- Oct 23, 20267.50%▲ from 6.50%
- Oct 12, 20266.50%first recorded
APR*; relationship discounts may apply
- Oct 23, 20267.50%▲ from 6.50%
- Oct 12, 20266.50%first recorded
APR*; relationship discounts may apply
- Oct 23, 20267.75%▲ from 6.75%
- Oct 12, 20266.75%first recorded
As Low As; Vehicle Year: 2020-2026; Maximum Term: 4 years; Regular APR: 8.750%; Best rates based on approved credit with maximum relationship discount of 1.00%
APR*; relationship discounts may apply
- Oct 23, 20268.00%▲ from 7.00%
- Oct 12, 20267.00%first recorded
APR*; relationship discounts may apply
- Oct 23, 20268.25%▲ from 7.25%
- Oct 12, 20267.25%first recorded
As Low As; Rate: As low as 1.99%
Rate range: 1.99% to 8.75%
- Oct 1, 20261.99%▼ from 8.75%
- Sep 18, 20268.75%▲ from 1.99%
- Sep 14, 20261.99%first recorded
SPECIALS!; 7 years or newer model years
- Oct 10, 20263.79%▼ from 3.99%
- Sep 14, 20263.99%first recorded
New vehicle loan
As Low As; Rate range From 3.99% to 18.00%; Your rate is determined by term, credit score, down payment and vehicle age and mileage.
- Oct 26, 20263.99%▲ from 3.79%
- Oct 19, 20263.79%first recorded
As Low As; 7 model years or newer
As Low As
As Low As; Standard New/Used Auto Rates
APR range: 4.00% - 18%
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
Model Year 2020-2024
APR range 4.24% - 18%; Rates based on credit history, credit qualifications, and loan term; Rates effective Aug. 1, 2026
APR range: 4.24 - 18%; Rates based on credit history, qualifications, and term
As Low As
As Low As; Standard New/Used Auto Rates
APR range: 4.24% - 18.00%; Up to 115% Book Value or purchase price, depending on credit quality.
Vehicle Model Years: New Vehicles (2023 - 2026); APR range: 4.25% - 16.75%; Up to 125% LTV / Mileage maximum: 150,000; Rates effective as of 6/30/2026
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
0% down OAC
up to 10 years old; 0% down OAC
Autos & Trucks, 10 Years Old & Newer; APR Range: 4.49% - 17.99%; OAC (On Approved Credit)
As Low As
As Low As; Standard New/Used Auto Rates
APR Range: 4.50% to 16.75%; 2024 and newer; Loan to value based on MSRP or NADA retail
APR Range: 4.50% to 16.75%; 2023 and older; Loan to value based on NADA retail
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
APR range: 4.74% - 17.99%; Rates effective as of February 18, 2026; Actual APR based on credit history and loan term
APR range: 4.74% - 17.99%; APR is based on credit history and loan term
As Low As; APR range 4.74% - 16.75%
New vehicle loan
New vehicle loan
New vehicle loan; Minimum loan $20,000
Model Year 2025 or newer; APR range: 4.74% - 13.24%
Model year: 2023 and newer; APR range 4.74% - 15.49%
As Low As
- Nov 9, 20264.74%▲ from 4.49%
- Nov 5, 20264.49%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Published APR range: 4.74% - 15.24%. Fixed APR; Extended terms: rate may increase by 0.50% - 2.50% if term is greater than 60 months based on credit score; Mileage: rate may increase by 2.50% - 4.50% for high mileage (not to exceed 150,000) based on credit score; Qualifying loans with 90% LTV or less and credit scores of 650+ may be eligible for a 0.50% rate discount
As Low As
As Low As; Standard New/Used Auto Rates
APR Range: 4.85% - 17.35%
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
Annual percentage rate (fixed); APR range: 4.99% - 9.44%
APR range: 4.99% - 9.44%; Estimated minimum
Fixed APR range: 4.99% - 15.24% APR; $50 document preparation fee required; discounts up to 0.50% may apply
- Oct 5, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Model Year 2025 or newer; APR range: 4.99% - 14.24%
Model Year 2024 or older; APR range: 4.99% - 13.49%
Down payment: 20%
APR range: 5.00% - 18%
Vehicle Model Years: New Vehicles (2023 - 2026); APR range: 5.00% - 17.50%; Up to 125% LTV / Mileage maximum: 150,000; Rates effective as of 6/30/2026
Credit Score: 740+; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.04% - 15.69%; Min. Loan Amount: $500; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Model Year: 2016-2019; Annual percentage rate (fixed) range: 5.14% - 9.84%
Model Year: 2020-2022; APR range: 5.14% - 9.84% (fixed); Estimated minimum
APR range: 5.14% - 9.84%; Estimated minimum
As Low As; Used Vehicles: Rates increase for vehicles over 100,000 miles or more than 6 years old. Terms available up to 96 months. Effective 09/23/2026
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
New vehicle loan; Minimum loan $25,000
Model Year 2020-2024
Term: Up to 48 months (4 years); Vehicles, boats, RV's, ATV's 2017-2027
Rate range: 5.220% to 17.470% APR; rate varies based on term; Purchase New Vehicles: Up to 125% LTV of NADA, MSRP Value or purchase price whichever is less; Purchase Used Vehicles: Up to 125% LTV of NADA Average Retail value or purchase price whichever is less; Refinance: Up to 100% LTV (cash out) of NADA Avg Retail value; Maximum loan not to exceed 125% LTV of MSRP or NADA value including taxes, license, GAP and extended warranty
Financing: 100% MSRP or High KBB; Model Year: 2021-2026; Maximum term dependent on purchase price and mileage; Add 1% for Drive4Less loans
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
APR range 5.24% - 18%; Rates based on credit history, credit qualifications, and loan term; Rates effective Aug. 1, 2026
APR range: 5.24 - 18%; Rates based on credit history, qualifications, and term
As Low As; Loan Amount (min/max): $1,000 / $300,000
As Low As; Loan Amount (min/max): $1,000 / $300,000
Annual percentage rate (fixed); APR range: 5.24% - 9.89%
APR range: 5.24% - 9.89%; Estimated minimum
Credit Score: 740+; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.24% - 15.79%; Min. Loan Amount: $5,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
Model Year 2025 or newer; APR range: 5.24% - 13.74%
Model Year 2024 or older; APR range: 5.24% - 14.49%
Criteria: 0-10 model years old; APR Range: 5.24% to 17.15%
Model year: 2022 and older; APR range 5.24% - 15.24%
Model Year 2020-2024
Model Year 2020-2024; Min loan $20,000
As Low As; Max $100,000; APR range 5.30 - 13.60%
APR range: 5.34% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $381.40 at 5.34% APR; Rates effective 9/30/2026
Model Year: 2022 & Newer; APR range 5.34% - 20.44%; Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history
- Oct 26, 20265.34%▼ from 5.44%
- Sep 14, 20265.44%first recorded
Credit Score: 740+; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.34% - 15.89%; Min. Loan Amount: $6,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
Model Year: 2016-2019; Annual percentage rate (fixed) range: 5.39% - 10.19%
Model Year: 2020-2022; APR range: 5.39% - 10.19% (fixed); Estimated minimum
APR range: 5.39% - 10.19%; Estimated minimum
As Low As; Max $100,000; APR range 5.40 - 14.14%
As Low As; Max $100,000; APR range 5.43 - 13.73%
APR range: 5.44% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $326.95 at 5.44% APR; Rates effective 9/30/2026
Credit Score: 740+; Loan Amount: $10,000 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.44% - 15.99%; Min. Loan Amount: $10,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
Term: 49 to 60 months (5 years); Vehicles, boats, RV's, ATV's 2017-2027
As Low As; Used Vehicles: Rates increase for vehicles over 100,000 miles or more than 6 years old. Terms available up to 96 months. Effective 09/23/2026
Financing: 100% High KBB; Rates effective as of October 22, 2026; Maximum term dependent on purchase price and mileage; Auto loans up to $10,000: maximum term 60 months; Auto loans $20,000 or more: maximum term 84 months; Add 1% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles
Financing: 100% MSRP or High KBB; Model Year: 2021-2026; Maximum term dependent on purchase price and mileage; Add 1% for Drive4Less loans
APR range: 5.49% - 18.00%; Collateral year: 2017-2022; Estimated payment $382.82 at 5.49% APR; Rates effective 9/30/2026
Fixed rate, terms up to 72 months with no more than 12,000 miles; APR range: 5.49% to 14.49%
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
As Low As; Models 2017 - 2020; Maximum amount financed up to 110% of NADA average retail including tax and license
0% down OAC
up to 10 years old; 0% down OAC
Annual percentage rate (fixed); APR range: 5.49% - 10.14%
APR range: 5.49% - 10.14%; Estimated minimum
Credit Score: 700-739; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.49% - 8.74%; New vehicles have never been titled or licensed and used vehicles up to 1 year old; Rates increase without automatic payment; Rates decrease for hybrid and EV loans; Terms up to 84 months are available based on the age of the vehicle and the dollar amount of the loan
Model Year 2025 or newer; APR range: 5.49% - 14.74%
Model Year 2024 or older; APR range: 5.49% - 13.99%
Down payment: 10%
As Low As; New & Used purchase or refinance
- Nov 5, 20265.49%▲ from 4.99%
- Oct 14, 20264.99%first recorded
As Low As
As Low As; Standard New/Used Auto Rates
Vehicle Model Years: New Vehicles (2023 - 2026); APR range: 5.50% - 17.99%; Up to 125% LTV / Mileage maximum: 150,000; Rates effective as of 6/30/2026
Fixed Annual Percentage Rate; Applicable to new PCCU loans and not available for refinancing PCCU loans
As Low As; Max $100,000; APR range 5.53 - 13.85%
As Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
As Low As; Max $100,000; APR range 5.54 - 14.27%
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
APR range: 5.59% - 18.00%; Collateral year: 2017-2022; Estimated payment $328.37 at 5.59% APR; Rates effective 9/30/2026
Model Year 2020-2024; Min loan $25,000
APR Range: 5.60% - 17.99%
APR range: 5.64% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $289.42 at 5.64% APR; Rates effective 9/30/2026
As Low As; Purchase / Refi Maximum Loan-to-Value: 125%; Max mileage 150k / 200k Diesel
As Low As; Max $100,000; APR range 5.65 - 14.40%
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
APR range: 5.69% - 17.99%; Interest rate decreases by .25% if enrolled in credit union automatic payments; Rate increases by 1.0% if vehicle is more than 10 model years old; Rate increases by 1.0% if vehicle mileage is 125,000 or more; Effective Date: Friday, October 23rd, 2026
Model Year: 2018-2021; APR range 5.69% - 20.74%; Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history
- Oct 26, 20265.69%▼ from 5.79%
- Sep 14, 20265.79%first recorded
As Low As; Interest Rate As Low As; Terms available
- Oct 9, 20265.69%▲ from 5.54%
- Sep 18, 20265.54%first recorded
Credit Score: 700-739; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements
Credit Score: 740+; Loan Amount: $15,000 - $250,000; 84 month term available on 2017 or newer models only; Rates assume ACH payment and e-statements
APR range: 5.69% - 16.09%; Min. Loan Amount: $15,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
- Sep 26, 20265.69%▲ from 5.49%
- Sep 18, 20265.49%first recorded
Term: 61 to 72 months (6 years); Vehicles, boats, RV's, ATV's 2017-2027
Financing: 100% High KBB; Rates effective as of October 22, 2026; Maximum term dependent on purchase price and mileage; Auto loans up to $10,000: maximum term 60 months; Auto loans $20,000 or more: maximum term 84 months; Add 1% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles
Financing: 100% MSRP or High KBB; Model Year: 2021-2026; Maximum term dependent on purchase price and mileage; Add 1% for Drive4Less loans
Fixed rate, terms up to 72 months on vehicles up to 10 years old; APR range: 5.74% to 14.74%
As Low As; Models 2017 - 2020; Maximum amount financed up to 110% of NADA average retail including tax and license
As Low As; Loan Amount (min/max): $5,000 / $300,000
As Low As; Loan Amount (min/max): $5,000 / $300,000
Model Year: 2022 & Newer; APR range 5.74% - 20.84%; Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history
- Oct 26, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
APR range: 5.74% - 8.99%; Used vehicles that have been titled or licensed and are 2 years old and older; Rates increase without automatic payment; Rates decrease for hybrid and EV loans; Terms up to 84 months are available based on the age of the vehicle and the dollar amount of the loan
Model Year 2024 or older; APR range: 5.74% - 14.99%
Down payment: 0%
As Low As; Auto loan rates starting at
Criteria: 0-10 model years old; APR Range: 5.75% to 17.65%
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
APR range: 5.79% - 18.00%; Collateral year: 2017-2022; Estimated payment $290.87 at 5.79% APR; Rates effective 9/30/2026
Credit Score: 700-739; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements
Federal Way New Auto Auto Loan Rates
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 36 Months
- Oct 26, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 48 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 60 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 72 Months
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Model Year: 2023 and newer; Minimum loan: $7,500; APR range: 5.69% - 14.29%; Rate discounts may apply; Rates effective as of 07-01-2026
Vehicle model year: 2023 and newer; Minimum loan: $7,500; Rate range: 5.69% - 14.29%; Rates effective as of 07-01-2026; 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score; 79 - 84-month term requires minimum 680 FICO score and $25,000 amount financed
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 84 Months
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; APR as low as 5.00%; Maximum relationship discount 1.00%
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
As Low As; APR as low as 5.25%; Maximum relationship discount 1.00%
- Oct 12, 20266.25%▲ from 5.75%
- Oct 8, 20265.75%first recorded
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; APR as low as 5.50%; Maximum relationship discount 1.00%
- Oct 12, 20266.50%▲ from 6.00%
- Oct 8, 20266.00%first recorded
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; APR as low as 5.75%; Maximum relationship discount 1.00%
- Oct 12, 20266.75%▲ from 6.25%
- Oct 8, 20266.25%first recorded
Published rate range: 6.99% - 12.74%. Fixed rate; autos, light trucks and light vans; $10,000 minimum; loan to value max 80% of KBB wholesale or vehicle invoice (LTV may include tax, license, warranty, GAP, service agreement, Lo-Jack, SkyLink charges)
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
As Low As; best rates based on approved credit, maximum relationship discount of 1.00%; 0.25% discounts for down payment over 50%, IRA/Share Certificate or other loans over $50,000, repeat customer truck loan in past 5 years; 0.50% discount for active checking with autopay and e-statement
APR*; relationship discounts may apply
- Oct 23, 20267.50%▲ from 6.50%
- Oct 12, 20266.50%first recorded
APR*; relationship discounts may apply
- Oct 23, 20267.50%▲ from 6.50%
- Oct 12, 20266.50%first recorded
APR*; relationship discounts may apply
- Oct 23, 20267.75%▲ from 6.75%
- Oct 12, 20266.75%first recorded
APR*; relationship discounts may apply
- Oct 23, 20268.00%▲ from 7.00%
- Oct 12, 20267.00%first recorded
APR*; relationship discounts may apply
- Oct 23, 20268.25%▲ from 7.25%
- Oct 12, 20267.25%first recorded
As Low As; Rate: As low as 1.99%
SPECIALS!; 7 years or newer model years
- Oct 10, 20263.79%▼ from 3.99%
- Sep 14, 20263.99%first recorded
New vehicle loan
As Low As; 7 model years or newer
As Low As
As Low As; Standard New/Used Auto Rates
APR range: 4.00% - 18%
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
APR range 4.24% - 18%; Rates based on credit history, credit qualifications, and loan term; Rates effective Aug. 1, 2026
APR range: 4.24 - 18%; Rates based on credit history, qualifications, and term
As Low As
As Low As; Standard New/Used Auto Rates
APR range: 4.24% - 18.00%; Up to 115% Book Value or purchase price, depending on credit quality.
Vehicle Model Years: New Vehicles (2023 - 2026); APR range: 4.25% - 16.75%; Up to 125% LTV / Mileage maximum: 150,000; Rates effective as of 6/30/2026
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
0% down OAC
Autos & Trucks, 10 Years Old & Newer; APR Range: 4.49% - 17.99%; OAC (On Approved Credit)
As Low As
As Low As; Standard New/Used Auto Rates
APR Range: 4.50% to 16.75%; 2024 and newer; Loan to value based on MSRP or NADA retail
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
APR range: 4.74% - 17.99%; Rates effective as of February 18, 2026; Actual APR based on credit history and loan term
New vehicle loan
New vehicle loan
New vehicle loan; Minimum loan $20,000
Model Year 2025 or newer; APR range: 4.74% - 13.24%
Model year: 2023 and newer; APR range 4.74% - 15.49%
Published APR range: 4.74% - 15.24%. Fixed APR; Extended terms: rate may increase by 0.50% - 2.50% if term is greater than 60 months based on credit score; Mileage: rate may increase by 2.50% - 4.50% for high mileage (not to exceed 150,000) based on credit score; Qualifying loans with 90% LTV or less and credit scores of 650+ may be eligible for a 0.50% rate discount
As Low As
As Low As; Standard New/Used Auto Rates
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
Annual percentage rate (fixed); APR range: 4.99% - 9.44%
APR range: 4.99% - 9.44%; Estimated minimum
Model Year 2025 or newer; APR range: 4.99% - 14.24%
Down payment: 20%
Vehicle Model Years: New Vehicles (2023 - 2026); APR range: 5.00% - 17.50%; Up to 125% LTV / Mileage maximum: 150,000; Rates effective as of 6/30/2026
Credit Score: 740+; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.04% - 15.69%; Min. Loan Amount: $500; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
New vehicle loan; Minimum loan $25,000
Term: Up to 48 months (4 years); Vehicles, boats, RV's, ATV's 2017-2027
Rate range: 5.220% to 17.470% APR; rate varies based on term; Purchase New Vehicles: Up to 125% LTV of NADA, MSRP Value or purchase price whichever is less; Purchase Used Vehicles: Up to 125% LTV of NADA Average Retail value or purchase price whichever is less; Refinance: Up to 100% LTV (cash out) of NADA Avg Retail value; Maximum loan not to exceed 125% LTV of MSRP or NADA value including taxes, license, GAP and extended warranty
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
As Low As; Loan Amount (min/max): $1,000 / $300,000
Annual percentage rate (fixed); APR range: 5.24% - 9.89%
APR range: 5.24% - 9.89%; Estimated minimum
Credit Score: 740+; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.24% - 15.79%; Min. Loan Amount: $5,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
Model Year 2025 or newer; APR range: 5.24% - 13.74%
Criteria: 0-10 model years old; APR Range: 5.24% to 17.15%
As Low As; Max $100,000; APR range 5.30 - 13.60%
APR range: 5.34% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $381.40 at 5.34% APR; Rates effective 9/30/2026
Model Year: 2022 & Newer; APR range 5.34% - 20.44%; Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history
- Oct 26, 20265.34%▼ from 5.44%
- Sep 14, 20265.44%first recorded
Credit Score: 740+; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.34% - 15.89%; Min. Loan Amount: $6,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
As Low As; Max $100,000; APR range 5.43 - 13.73%
APR range: 5.44% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $326.95 at 5.44% APR; Rates effective 9/30/2026
Credit Score: 740+; Loan Amount: $10,000 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.44% - 15.99%; Min. Loan Amount: $10,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
Term: 49 to 60 months (5 years); Vehicles, boats, RV's, ATV's 2017-2027
Fixed rate, terms up to 72 months with no more than 12,000 miles; APR range: 5.49% to 14.49%
As Low As; Models 2021 and Newer; Maximum amount financed up to 110% of NADA average retail including tax and license
0% down OAC
Annual percentage rate (fixed); APR range: 5.49% - 10.14%
APR range: 5.49% - 10.14%; Estimated minimum
Credit Score: 700-739; Loan Amount: $500 - $250,000; Rates assume ACH payment and e-statements
APR range: 5.49% - 8.74%; New vehicles have never been titled or licensed and used vehicles up to 1 year old; Rates increase without automatic payment; Rates decrease for hybrid and EV loans; Terms up to 84 months are available based on the age of the vehicle and the dollar amount of the loan
Model Year 2025 or newer; APR range: 5.49% - 14.74%
Down payment: 10%
As Low As
As Low As; Standard New/Used Auto Rates
Vehicle Model Years: New Vehicles (2023 - 2026); APR range: 5.50% - 17.99%; Up to 125% LTV / Mileage maximum: 150,000; Rates effective as of 6/30/2026
Fixed Annual Percentage Rate; Applicable to new PCCU loans and not available for refinancing PCCU loans
As Low As; Max $100,000; APR range 5.53 - 13.85%
As Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
APR range: 5.64% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $289.42 at 5.64% APR; Rates effective 9/30/2026
APR range: 5.69% - 17.99%; Interest rate decreases by .25% if enrolled in credit union automatic payments; Rate increases by 1.0% if vehicle is more than 10 model years old; Rate increases by 1.0% if vehicle mileage is 125,000 or more; Effective Date: Friday, October 23rd, 2026
Credit Score: 700-739; Loan Amount: $5,000 - $250,000; Rates assume ACH payment and e-statements
Credit Score: 740+; Loan Amount: $15,000 - $250,000; 84 month term available on 2017 or newer models only; Rates assume ACH payment and e-statements
APR range: 5.69% - 16.09%; Min. Loan Amount: $15,000; Used Autos (2017-2024): add 0.25% to New rates, max term 84 months; Older Autos (2016 or Older): add 1.25% to New rates, max term 75 months
- Sep 26, 20265.69%▲ from 5.49%
- Sep 18, 20265.49%first recorded
Term: 61 to 72 months (6 years); Vehicles, boats, RV's, ATV's 2017-2027
As Low As; Loan Amount (min/max): $5,000 / $300,000
Model Year: 2022 & Newer; APR range 5.74% - 20.84%; Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history
- Oct 26, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Down payment: 0%
As Low As; Auto loan rates starting at
Criteria: 0-10 model years old; APR Range: 5.75% to 17.65%
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
Credit Score: 700-739; Loan Amount: $6,000 - $250,000; Rates assume ACH payment and e-statements
Federal Way Used Auto Auto Loan Rates
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 36 Months
- Oct 26, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 48 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 60 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 72 Months
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 3; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 4; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Standard APR*: 6.50%; Maximum Term in Years: 5; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 84 Months
As Low As; Standard APR*: 6.75%; Maximum Term in Years: 6; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
Published rate range: 7.49% - 13.74%. Fixed rate; autos, light trucks and light vans; $10,000 minimum; loan to value max 80% of KBB retail (LTV may include tax, license, warranty, GAP, service agreement, Lo-Jack, SkyLink charges)
As Low As; Vehicle Year: 2020-2026; Maximum Term: 4 years; Regular APR: 8.750%; Best rates based on approved credit with maximum relationship discount of 1.00%
Rate range: 1.99% to 8.75%
- Oct 1, 20261.99%▼ from 8.75%
- Sep 18, 20268.75%▲ from 1.99%
- Sep 14, 20261.99%first recorded
SPECIALS!; 7 years or newer model years
- Oct 10, 20263.79%▼ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; 7 model years or newer
As Low As
As Low As; Standard New/Used Auto Rates
Model Year 2020-2024
As Low As
As Low As; Standard New/Used Auto Rates
APR range: 4.24% - 18.00%; Up to 115% Book Value or purchase price, depending on credit quality.
up to 10 years old; 0% down OAC
As Low As
As Low As; Standard New/Used Auto Rates
APR Range: 4.50% to 16.75%; 2023 and older; Loan to value based on NADA retail
APR range: 4.74% - 17.99%; Rates effective as of February 18, 2026; Actual APR based on credit history and loan term
As Low As; APR range 4.74% - 16.75%
Published APR range: 4.74% - 15.24%. Fixed APR; Extended terms: rate may increase by 0.50% - 2.50% if term is greater than 60 months based on credit score; Mileage: rate may increase by 2.50% - 4.50% for high mileage (not to exceed 150,000) based on credit score; Qualifying loans with 90% LTV or less and credit scores of 650+ may be eligible for a 0.50% rate discount
As Low As
As Low As; Standard New/Used Auto Rates
APR Range: 4.85% - 17.35%
Model Year 2024 or older; APR range: 4.99% - 13.49%
APR range: 5.00% - 18%
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Model Year: 2016-2019; Annual percentage rate (fixed) range: 5.14% - 9.84%
Model Year: 2020-2022; APR range: 5.14% - 9.84% (fixed); Estimated minimum
APR range: 5.14% - 9.84%; Estimated minimum
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Model Year 2020-2024
Term: Up to 48 months (4 years); Vehicles, boats, RV's, ATV's 2017-2027
Rate range: 5.220% to 17.470% APR; rate varies based on term; Purchase New Vehicles: Up to 125% LTV of NADA, MSRP Value or purchase price whichever is less; Purchase Used Vehicles: Up to 125% LTV of NADA Average Retail value or purchase price whichever is less; Refinance: Up to 100% LTV (cash out) of NADA Avg Retail value; Maximum loan not to exceed 125% LTV of MSRP or NADA value including taxes, license, GAP and extended warranty
APR range 5.24% - 18%; Rates based on credit history, credit qualifications, and loan term; Rates effective Aug. 1, 2026
APR range: 5.24 - 18%; Rates based on credit history, qualifications, and term
As Low As; Loan Amount (min/max): $1,000 / $300,000
Model Year 2024 or older; APR range: 5.24% - 14.49%
Model year: 2022 and older; APR range 5.24% - 15.24%
Model Year 2020-2024
Model Year 2020-2024; Min loan $20,000
Model Year: 2016-2019; Annual percentage rate (fixed) range: 5.39% - 10.19%
Model Year: 2020-2022; APR range: 5.39% - 10.19% (fixed); Estimated minimum
APR range: 5.39% - 10.19%; Estimated minimum
As Low As; Max $100,000; APR range 5.40 - 14.14%
Term: 49 to 60 months (5 years); Vehicles, boats, RV's, ATV's 2017-2027
APR range: 5.49% - 18.00%; Collateral year: 2017-2022; Estimated payment $382.82 at 5.49% APR; Rates effective 9/30/2026
As Low As; Models 2017 - 2020; Maximum amount financed up to 110% of NADA average retail including tax and license
up to 10 years old; 0% down OAC
Model Year 2024 or older; APR range: 5.49% - 13.99%
As Low As
As Low As; Standard New/Used Auto Rates
As Low As; Max $100,000; APR range 5.54 - 14.27%
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
APR range: 5.59% - 18.00%; Collateral year: 2017-2022; Estimated payment $328.37 at 5.59% APR; Rates effective 9/30/2026
Model Year 2020-2024; Min loan $25,000
APR Range: 5.60% - 17.99%
As Low As; Max $100,000; APR range 5.65 - 14.40%
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
APR range: 5.69% - 17.99%; Interest rate decreases by .25% if enrolled in credit union automatic payments; Rate increases by 1.0% if vehicle is more than 10 model years old; Rate increases by 1.0% if vehicle mileage is 125,000 or more; Effective Date: Friday, October 23rd, 2026
Term: 61 to 72 months (6 years); Vehicles, boats, RV's, ATV's 2017-2027
Fixed rate, terms up to 72 months on vehicles up to 10 years old; APR range: 5.74% to 14.74%
As Low As; Models 2017 - 2020; Maximum amount financed up to 110% of NADA average retail including tax and license
As Low As; Loan Amount (min/max): $5,000 / $300,000
APR range: 5.74% - 8.99%; Used vehicles that have been titled or licensed and are 2 years old and older; Rates increase without automatic payment; Rates decrease for hybrid and EV loans; Terms up to 84 months are available based on the age of the vehicle and the dollar amount of the loan
Model Year 2024 or older; APR range: 5.74% - 14.99%
As Low As; Auto loan rates starting at
APR range: 5.79% - 18.00%; Collateral year: 2017-2022; Estimated payment $290.87 at 5.79% APR; Rates effective 9/30/2026
Federal Way, WA Auto Loan Rate Trends
Compare local Federal Way, 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.
Washington new auto rates rose 0.006 points over the past 7 days to 5.442% APR.
Washington used auto rates fell 0.036 points over the past 7 days to 5.738% APR.
Federal Way, WA Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Washington figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Washington APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.44% APR WA average | Used Auto @ 5.74% APR WA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.11/mo | $288.17/mo | $2.06/mo |
| $25,000 | $476.86/mo | $480.28/mo | $3.43/mo |
| $35,000 | $667.60/mo | $672.40/mo | $4.80/mo |
| $45,000 | $858.34/mo | $864.51/mo | $6.17/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Federal Way, Washington
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Federal Way, Washington locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Washington. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Federal Way, Washington high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Federal Way, Washington CD rates lock in a guaranteed return until you’re ready to buy
Federal Way, Washington Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $572 monthly car payment works out to roughly 15.5% of the median individual income in Federal Way, Washington. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Federal Way, Washington, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Federal Way, Washington. We’ve prefilled the APR with today’s WA new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Federal Way, Washington auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Federal Way, Washington directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Federal Way, Washington. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in WA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Federal Way, Washington
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Federal Way, Washington
What are auto loan rates in Federal Way, Washington today?
How does my credit score affect my car loan rate in Federal Way, Washington?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Federal Way, Washington?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Federal Way, Washington?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Federal Way, Washington?
- Firefighters First Federal Credit Union: 4.49% (New and Used Autos - 36 Months Loan)
- Ukrainian Federal Credit Union: 5.25% (Used Auto Loan (vehicle year 2022 - 2026))
- Bank of America: 5.64% (New Car (dealer) Auto Loan)
- Credit Human Federal Credit Union: 5.69% (Auto Loan - 2023 and newer)
- Chase Bank: 6.09% (Auto Loan - New car purchase)
Federal Way, Washington Rates & Resources
