If you are ready to purchase a new car, our team is happy to help you! Get the conversation started today with our online application.
We’ve been serving the community with an exceptional car buying experience for over sixty years.
Auto Loan Rates
| Rates/APR | Maximum Loan Term | ||
| New or Newer Used Vehicle (2021 or Newer models) |
4.49%* – 14.49% | 84 months (7 years) |
|
| Used Vehicle (2016 - 2020 models) |
5.24%* – 15.49% | 84 months (7 years) |
Car Buying the Call Federal Way
Personable Service
Whether you visit a branch or apply online, our team of experts will guide you through every step of your car buying process to make sure you get the right vehicle at the right price for your needs.
Check-In-Hand Program
Walk into the any dealership with confidence with your pre-approval check in your hand and out with the keys to a car that meets your budget.
Full Service Opportunities
Full Service Opportunities – Our lending team is available to help you at any stage of your car-buying process, but we also offer calculators, TrueCar, and CarFax. Learn more about these opportunities to borrow with confidence.
Protect Your Investment
Our partner, TruStage, offers valuable payment protection such as GAP (Guaranteed Asset Protection) Plus and Mechanical Repair Coverage. Plus, we offer solutions such as Debt Protection and Car Insurance.
New Car Loan Resources
What Will My Payment Be? Calculator
Figure out how much your monthly payment will be by entering your down payment, interest rate, and other loan terms into this convenient calculator.
How Much Car Can I Afford? Calculator
Use this handy calculator figure out how much you can afford to pay for a new vehicle, based on variables like down payment, trade-in value, and other associated costs.
| Product | Term (mos.) | APR | Amount | Payment (mo.) |
|---|---|---|---|---|
| New Vehicle | 72 | 5.49% | $45,000 | $737 |
| Used Vehicle | 60 | 5.74% | $25,000 | $482 |
| Leisure Vehicle | 60 | 7.00% | $10,000 | $199 |
| Leisure Vehicle (Boat) | 60 | 8.75% | $15,000 | $311 |
| Recreational Vehicle | 60 | 7.50% | $25,000 | $503 |
| Personal Loan | 36 | 9.75% | $5,000 | $162 |
*APR = Annual Percentage Rate. Best APR listed assumes 2021 or newer vehicle with a 36-month term, 115% loan-to-value (LTV), and top tier credit, as well as a max rate discount of .75%. Our rate discount program is made up of three options. Loyalty discount of .50% with Call Federal loan origination within the last 7 years or membership history of 10 years or more. Education discount of .50% for completing one of the qualifying courses available in our Money & Beyond Portal and providing the certificate of completion at loan application. Automatic transfer discount of .25% for members who set up an auto transfer payment from a Call Federal checking account. If the member receives this discounted rate but discontinues the auto transfer service, the loan rate can be automatically be adjusted accordingly. The two discounts for .50% cannot be combined. All of these discounts are only available at the time the loan is processed. Current vehicle loan rates range from 4.49% – 15.49%. Rates subject to change but will not exceed 18.00%. Rates, terms, and conditions may vary based on creditworthiness, qualifications, LTV, and collateral conditions. Vehicle must be a 2016 or newer. All collateral owners must sign required paperwork for refinancing. Mileage restrictions may apply. Income and employment verification required. Other restrictions and conditions may apply.
