Used Car Loan

If you have a new-to-you car on your mind, we are happy to help you! Get started with our convenient online application.


We’ve been serving the community with practical car buying solutions, personable service and expert know-how for over sixty years!

Auto Loan Rates

Rates/APR Maximum Loan Term
New or Newer Used Vehicle
(2020-Newer models)
4.99%* – 17.49% 84 months
(7 years)
Used Vehicle
(2015 - 2019 models)
5.49%* – 17.49% 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.


Used Car Loan Resources

Toy car and calculator sitting on stack of dollars to represent an auto loan calculator

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 (months) Rate Amount Payment
New Vehicle 72 6.49% $45,000 $759
Used Vehicle 60 6.49% $25,000 $491
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. APR listed assumes 2020 or newer vehicle with a 36-month term, 115% loan-to-value (LTV), top-tier credit, and maximum rate discount of .75% with Call’s Rate Discount Program. All discounts are only available at the time the loan is processed. Current vehicle loan rates range from 4.99% – 17.49% APR. Rates subject to change but will not exceed 18.00%. Not all will qualify for the lowest rate. Vehicle must be a 2015 - 2019. Refinance offer not valid on existing Call Federal loans. Income and insurance verification required. Loan will still accrue interest with no payments for 60 days. Other restrictions and conditions may apply.

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Apply Online

Get in the car of your dreams with our quick online application.

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Meet Us

Our branch staff can help you apply and get a check in your hands.

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Call Us

Our loan specialists can help find a payment that works for you.