Tacoma, Washington Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
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Tacoma, Washington auto loan rates range from 1.99% to 9.80% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Tacoma, Washington include Spark Federal Credit UnionSpark Federal Credit Union3049 S 36th St, Tacoma, WA, 98409A+5.0 ★Texas Ratio: 2.12%Rate verified Nov 7, 2026 offering New Auto at 4.00%, Navy Federal Credit UnionNavy Federal Credit Union3407 S 23RD ST, TACOMA, WA, 98405A5.0 ★Texas Ratio: 8.14%Rate verified Nov 5, 2026 offering MissionAssistTM Auto - New Auto Loan at 4.19%, Puget Sound Cooperative Credit UnionPuget Sound Cooperative Credit Union1703 Dock St Ste A, Tacoma, WA, 98402 3235A+5.0 ★Texas Ratio: 3.74%Rate verified Nov 9, 2026 offering Vehicle Loans - New Electric, Plug-in Hybrid, or Hybrid Vehicles at 4.74%, Tacoma Longshoremen Credit UnionTacoma Longshoremen Credit Union3602 E Alexander Ave, Tacoma, WA, 98424 1110A+5.0 ★Texas Ratio: 0.12%Rate verified Nov 9, 2026 offering New Vehicles (3yr old and newer) Loan at 4.99%, American Lake Credit UnionAmerican Lake Credit UnionCamp Murray Building 16, Tacoma, WA, 98430 0001A5.0 ★Texas Ratio: 6.09%Rate verified Nov 9, 2026 offering Auto Loan - Automobile at 5.49%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Tacoma has 11 local institutions in our database, with auto loan rates as low as 4.00% APR from Spark 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, so 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: November 9, 2026
Compare Auto Loan Rates Today in Tacoma, Washington & Surrounding Area
Tacoma Auto Loan 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
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
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
Model Year 2025 or newer; APR range: 4.74% - 13.24%
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
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%
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
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 2025 or newer; APR range: 5.24% - 13.74%
Model Year 2024 or older; APR range: 5.24% - 14.49%
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; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
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
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%
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 2024 or older; APR range: 5.74% - 14.99%
Down payment: 0%
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
As Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
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 2025 or newer; APR range: 5.99% - 8.74%
Down payment: 20%
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification.
- Oct 7, 20266.04%▲ from 5.54%
- Sep 15, 20265.54%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; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
As Low As; Loan Amount: No Minimum; Vehicle Age: 2020+
- Oct 10, 20266.14%▲ from 5.74%
- Sep 18, 20265.74%first recorded
As Low As; Loan Amount: No Minimum; Vehicle Age: 2020+
- Oct 10, 20266.14%▲ from 5.74%
- Sep 18, 20265.74%first recorded
As Low As; Loan Amount: No Minimum; Vehicle Age: 2020+
- Oct 10, 20266.14%▲ from 5.74%
- Sep 18, 20265.74%first recorded
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; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification.
- Oct 7, 20266.30%▲ from 5.80%
- Sep 15, 20265.80%first recorded
As Low As; Loan Amount: No Minimum; Vehicle Age: 2020+
- Oct 10, 20266.37%▲ from 5.74%
- Sep 18, 20265.74%first recorded
As Low As; Loan Amount: No Minimum; Vehicle Age: 2015 - 2019
- Oct 10, 20266.39%▲ from 5.99%
- Sep 18, 20265.99%first recorded
As Low As; Loan Amount: No Minimum; Vehicle Age: 2015 - 2019
- Oct 10, 20266.39%▲ from 5.99%
- Sep 18, 20265.99%first recorded
As Low As; Loan Amount: No Minimum; Vehicle Age: 2015 - 2019
- Oct 10, 20266.39%▲ from 5.99%
- Sep 18, 20265.99%▼ from 7.24%
- Sep 14, 20267.24%first recorded
Model Year 2025 or newer; APR range: 6.49% - 9.24%
Down payment: 10%
As Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification.
- Oct 7, 20266.62%▲ from 6.12%
- Sep 15, 20266.12%first recorded
As Low As; Loan Amount: No Minimum; Vehicle Age: 2015 - 2019
- Oct 10, 20266.62%▲ from 5.99%
- Sep 18, 20265.99%first recorded
As Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
Down payment: 20%
Down payment: 0%
As Low As; Loan Amount: $15,000+; Vehicle Age: 2020+
- Oct 10, 20266.74%▲ from 5.99%
- Sep 18, 20265.99%first recorded
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20266.75%▲ from 6.25%
- Sep 15, 20266.25%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; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20266.99%▲ from 6.49%
- Sep 15, 20266.49%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)
Down payment: 10%
As Low As; Loan Amount: $15,000+; Vehicle Age: 2015 - 2019
- Oct 10, 20266.99%▲ from 6.24%
- Sep 14, 20266.24%first recorded
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; Rates quoted are best rates based on credit quality and are subject to credit qualification.
- Oct 7, 20267.04%▲ from 6.54%
- Sep 15, 20266.54%first recorded
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification.
- Oct 7, 20267.18%▲ from 6.68%
- Sep 15, 20266.68%first recorded
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20267.21%▲ from 6.71%
- Sep 15, 20266.71%first recorded
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
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Rates as of Nov 05, 2026 ET
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
As Low As; Loan Amount: No Minimum; Vehicle Age: 2014 & Older
- Oct 10, 20267.64%▲ from 7.24%
- Sep 14, 20267.24%first recorded
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20267.66%▲ from 7.16%
- Sep 15, 20267.16%first recorded
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); 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); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
APR range: 7.74% - 14.49%; Boat, RVs, Motorcycle & Sport Vehicle Loans
APR range: 7.74% - 15.99%; Boat, RVs, Motorcycle & Sport Vehicle Loans
Down payment: 0%
Down payment: 20%
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20267.80%▲ from 7.30%
- Sep 15, 20267.30%first recorded
APR range: 7.99% - 14.99%; Boat, RVs, Motorcycle & Sport Vehicle Loans
Down payment: 10%
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $30,000 minimum amount financed
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
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
0% down OAC
up to 10 years old; 0% down OAC
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
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; 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
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
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; 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
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
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
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
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 72 Months
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
Criteria: 0-10 model years old; APR Range: 5.24% to 17.15%
Model year: 2022 and older; APR range 5.24% - 15.24%
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
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
As Low As
As Low As; Standard New/Used Auto Rates
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
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; Max $100,000; APR range 5.54 - 14.27%
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
Tacoma New Auto Auto Loan 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
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
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
Model Year 2025 or newer; APR range: 4.74% - 13.24%
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
Model Year 2025 or newer; APR range: 4.99% - 14.24%
Down payment: 20%
Model Year 2025 or newer; APR range: 5.24% - 13.74%
Model Year 2025 or newer; APR range: 5.49% - 14.74%
Down payment: 10%
As Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
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%
Down payment: 0%
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
As Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
Model Year 2025 or newer; APR range: 5.99% - 8.74%
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification.
- Oct 7, 20266.04%▲ from 5.54%
- Sep 15, 20265.54%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; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
As Low As; Loan Amount: No Minimum; Vehicle Age: 2020+
- Oct 10, 20266.14%▲ from 5.74%
- Sep 18, 20265.74%first recorded
As Low As; Loan Amount: No Minimum; Vehicle Age: 2020+
- Oct 10, 20266.14%▲ from 5.74%
- Sep 18, 20265.74%first recorded
As Low As; Loan Amount: No Minimum; Vehicle Age: 2020+
- Oct 10, 20266.14%▲ from 5.74%
- Sep 18, 20265.74%first recorded
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; Rates quoted are best rates based on credit quality and are subject to credit qualification.
- Oct 7, 20266.30%▲ from 5.80%
- Sep 15, 20265.80%first recorded
As Low As; Loan Amount: No Minimum; Vehicle Age: 2020+
- Oct 10, 20266.37%▲ from 5.74%
- Sep 18, 20265.74%first recorded
Model Year 2025 or newer; APR range: 6.49% - 9.24%
As Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification.
- Oct 7, 20266.62%▲ from 6.12%
- Sep 15, 20266.12%first recorded
As Low As; Electric/Hybrid 2024 and Newer; best rates based on credit quality and subject to credit qualification
Down payment: 20%
As Low As; Loan Amount: $15,000+; Vehicle Age: 2020+
- Oct 10, 20266.74%▲ from 5.99%
- Sep 18, 20265.99%first recorded
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20266.75%▲ from 6.25%
- Sep 15, 20266.25%first recorded
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20266.99%▲ from 6.49%
- Sep 15, 20266.49%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)
Down payment: 10%
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification.
- Oct 7, 20267.04%▲ from 6.54%
- Sep 15, 20266.54%first recorded
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification.
- Oct 7, 20267.18%▲ from 6.68%
- Sep 15, 20266.68%first recorded
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20267.21%▲ from 6.71%
- Sep 15, 20266.71%first recorded
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20267.66%▲ from 7.16%
- Sep 15, 20267.16%first recorded
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); 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); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20267.80%▲ from 7.30%
- Sep 15, 20267.30%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 4.24% - 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
0% down OAC
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
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; 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
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
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; 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
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
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 72 Months
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
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
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%
Tacoma Used Auto Auto Loan Rates
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
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 2024 or older; APR range: 5.24% - 14.49%
Model Year 2024 or older; APR range: 5.49% - 13.99%
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
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 2024 or older; APR range: 5.74% - 14.99%
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%
Down payment: 20%
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%
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Loan Amount: No Minimum; Vehicle Age: 2015 - 2019
- Oct 10, 20266.39%▲ from 5.99%
- Sep 18, 20265.99%first recorded
As Low As; Loan Amount: No Minimum; Vehicle Age: 2015 - 2019
- Oct 10, 20266.39%▲ from 5.99%
- Sep 18, 20265.99%first recorded
As Low As; Loan Amount: No Minimum; Vehicle Age: 2015 - 2019
- Oct 10, 20266.39%▲ from 5.99%
- Sep 18, 20265.99%▼ from 7.24%
- Sep 14, 20267.24%first recorded
Down payment: 10%
As Low As; Loan Amount: No Minimum; Vehicle Age: 2015 - 2019
- Oct 10, 20266.62%▲ from 5.99%
- Sep 18, 20265.99%first recorded
Down payment: 0%
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20266.75%▲ from 6.25%
- Sep 15, 20266.25%first recorded
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20266.99%▲ from 6.49%
- Sep 15, 20266.49%first recorded
As Low As; Loan Amount: $15,000+; Vehicle Age: 2015 - 2019
- Oct 10, 20266.99%▲ from 6.24%
- Sep 14, 20266.24%first recorded
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20267.21%▲ from 6.71%
- Sep 15, 20266.71%first recorded
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
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
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; Loan Amount: No Minimum; Vehicle Age: 2014 & Older
- Oct 10, 20267.64%▲ from 7.24%
- Sep 14, 20267.24%first recorded
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20267.66%▲ from 7.16%
- Sep 15, 20267.16%first recorded
Down payment: 0%
Down payment: 20%
As Low As; Rates quoted are best rates based on credit quality and are subject to credit qualification
- Oct 7, 20267.80%▲ from 7.30%
- Sep 15, 20267.30%first recorded
Down payment: 10%
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; 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
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%
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
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: 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
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
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 72 Months
Model year: 2022 and older; APR range 5.24% - 15.24%
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
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
As Low As
As Low As; Standard New/Used Auto Rates
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; Max $100,000; APR range 5.54 - 14.27%
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
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.
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.
Tacoma, 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 Tacoma, Washington
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Tacoma, 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 Tacoma, 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: Tacoma, Washington CD rates lock in a guaranteed return until you’re ready to buy
Tacoma, 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 13.8% of the median individual income in Tacoma, 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 Tacoma, 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 Tacoma, 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 Tacoma, 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 Tacoma, 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 Tacoma, 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 Tacoma, 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 Tacoma, Washington
What are auto loan rates in Tacoma, Washington today?
How does my credit score affect my car loan rate in Tacoma, 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 Tacoma, 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 Tacoma, Washington?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Tacoma, Washington?
- Spark Federal Credit Union: 4.00% (New Auto)
- Navy Federal Credit Union: 4.19% (MissionAssistTM Auto - New Auto Loan)
- Puget Sound Cooperative Credit Union: 4.74% (Vehicle Loans - New Electric, Plug-in Hybrid, or Hybrid Vehicles)
- Tacoma Longshoremen Credit Union: 4.99% (New Vehicles (3yr old and newer) Loan)
- American Lake Credit Union: 5.49% (Auto Loan - Automobile)
Tacoma, Washington Rates & Resources
