Low-Interest Auto Financing in Pasco, WA

Low-interest auto financing in Pasco and the Tri-Cities

Auto loan rates are climbing in 2026, but low-interest financing is still out there. At McCurley Subaru in Pasco, we send your application to multiple banks, credit unions and Subaru Motors Finance so they compete for your loan. That goes for new Subarus and used cars, trucks and SUVs of every make.

Rates and offers updated October 2026.

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Why can auto financing offers stay low when interest rates rise?

Auto loan rates aren't set by the Federal Reserve. Lenders set them based on their own costs, the vehicle, the loan term and your credit. Automakers can also offer promotional APRs on select new models. That's why some offers stay low even when the Fed raises rates

How the Fed affects auto loans

On September 16, 2026, the Fed raised its benchmark rate a quarter point to 3.75% to 4.00%. It was the first increase in about three years. Many lenders raise auto loan rates after a move like that, but not all of them, and not always right away.

Where rates are now

In Q2 2026 the average APR was 6.35% on new cars and 11.19% on used cars, according to Experian. Your credit score makes the biggest difference:

In Q2 2026 the average APR was 6.35% on new cars and 11.19% on used cars, according to Experian. Your credit score makes the biggest difference:


Source: Experian State of the Automotive Finance Market, Q2 2026.

Subaru's promotional rates (below) are set by Subaru, which is why they can sit well under these averages

How McCurley Subaru helps you get a lower rate

We don't send your application to one lender and hope for the best. Our finance team submits it to lenders, including national banks, local credit unions and Subaru Motors Finance. When lenders compete, rates come down. We show you the options side by side and you pick.

Already pre-approved by your bank or credit union? Bring it in.

Financing a used car, truck or SUV of any make

We help you finance every used vehicle on our lot, not just Subarus. Lenders price used car loans by the vehicle's age and mileage. A newer, lower-mileage vehicle usually qualifies for a better rate.


Shop All Used Vehicles

McCurley Used. Pre-owned vehicles of every make, inspected and ready to drive.

McCurley Certified. Newer, lower-mileage vehicles that meet our certification standards. You don't pick the tier. The vehicle's age, mileage and condition decide it.

Subaru Certified Pre-Owned. Certified by Subaru and backed by Subaru's coverage. Subaru Motors Finance offers special rates on select certified models.

Special APR offers on new Subaru models

Payment or total cost? A longer term lowers your payment but usually adds interest. Look at the total, not just the monthly number.

Low APR or cash rebate? Some offers make you choose. A rebate lowers the price. A low APR lowers the interest. Compare the total cost of each over the life of the loan.

Trade-in. Your trade-in value, minus anything you still owe on it, changes how much you need to finance.

Get pre-qualified at McCurley Subaru in Pasco

1. Apply online. It takes about 5 minutes.

2. We shop lenders for you. Our finance team sends your application to the lenders most likely to approve you at a strong rate.

3. Compare and choose. We walk you through each option so you understand the rate, term and total cost.

McCurley Subaru 9620 Sandifur Parkway, Pasco, WA 99301 Sales: 509-412-7100 Monday to Saturday 8 a.m. to 7 p.m., Sunday 10 a.m. to 6 p.m.

Serving Pasco, Kennewick, Richland, West Richland and the greater Tri-Cities.

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FAQ

It can. Banks and credit unions often raise auto loan rates after the Fed raises its benchmark rate, as it did on September 16, 2026. Manufacturer promotional rates, like Subaru Motors Finance offers, are set separately and can stay low.
Yes, if your credit is strong and the vehicle is newer with lower mileage. We send your application to multiple lenders so they compete for your loan, which helps bring the rate down.
Yes. We finance every used car, truck and SUV on our lot, whatever the make.
It depends on the offer. Get a pre-approval from your bank or credit union, then let us shop it against our lenders. You choose the better deal.
We work with lenders who help first-time buyers and people rebuilding credit.
Usually, yes. Many lenders let you refinance an auto loan without a prepayment penalty. Check your loan terms first.
? A soft credit check does not affect your score. A full application uses a hard inquiry.
It depends on the offer and how long you finance. Compare the total cost of each option, including price, term and interest. We'll run both for you.
No. Your final APR depends on the lender, the program, the vehicle and your credit approval.