Auto loan rates are climbing in 2026, but low-interest financing is still out there. At McCurley Honda in Richland, we work with multiple banks, credit unions and Honda Financial Services to help you find a financing option that fits your situation. That goes for new Hondas and used cars, trucks and SUVs of every make.
Rates and offers updated October 2026.
Auto loan rates aren't set directly by the Federal Reserve. Lenders set their rates based on their own costs, the vehicle you're financing, the loan term and your credit profile.
Automakers can also offer promotional APRs on select new models. That's why some financing offers can stay low even when broader interest rates rise.
On September 16, 2026, the Federal Reserve raised its benchmark rate a quarter point to 3.75% to 4.00%. It was the first increase in about three years.
A move like that can influence what lenders charge for auto loans, but rates don't all move at the same time or by the same amount. Your individual credit, the vehicle you're buying and the loan term you choose can all affect the rate you receive.
We don't send your application to one lender and hope for the best.
Our finance team works with multiple lenders, including national banks, local credit unions and Honda Financial Services, to help find financing options that fit your situation.
We'll show you the options available to you and help you understand the rate, loan term, monthly payment and total cost before you make a decision.
Already pre-approved by your bank or credit union? Bring it in. We're happy to work with outside financing, too.
You don't have to buy a Honda to finance through McCurley Honda.
We finance used vehicles of all makes, including cars, trucks and SUVs. Lenders typically consider things like the vehicle's age, mileage, condition and loan term when determining a used-car rate. A newer, lower-mileage vehicle may qualify for a better rate than an older, higher-mileage vehicle.
McCurley Used. Pre-owned vehicles of every make, inspected and ready to drive.
McCurley Certified. Newer, lower-mileage vehicles that meet our certification standards. The vehicle's age, mileage and condition determine which vehicles qualify.
Honda Certified Pre-Owned. Certified by Honda and backed by Honda's CPO benefits and coverage. Honda Financial Services may offer special financing on select certified models when available.
Honda periodically offers special APR financing on select new models. These offers can change by model, trim, term, location and other eligibility requirements.
If you're shopping for a new Honda, check the current specials to see whether a promotional APR is available for the model you're considering.
A longer loan term can lower your monthly payment, but it usually means paying more interest over the life of the loan.
Look at the total, not just the monthly number.
Sometimes an offer gives you a choice between a low APR and a cash incentive.
A cash rebate lowers the amount you're financing. A low APR can reduce the amount of interest you pay.
Compare the total cost of each option over the life of the loan.
Start your finance application online. It takes about 5 minutes to get the process started.
Our finance team reviews your application and works with the lenders that may be a good fit for your situation.
We'll walk you through your available options so you understand the rate, term, monthly payment and total cost before you choose.
You don't have to figure it all out on your own.
McCurley Honda
1775 Fowler Street
Richland, WA 99352
Sales: [Honda sales phone number]
Sales Hours:
Monday-Saturday: 8 a.m. to 7 p.m.
Sunday: 10 a.m. to 6 p.m.
Serving Richland, Kennewick, Pasco, West Richland and the greater Tri-Cities.
There isn't one minimum credit score required to finance a vehicle. Lenders look at your credit history, income, debt, the vehicle you're buying and other factors when reviewing an application. At McCurley Honda, we work with multiple lenders to help find financing options that fit your situation.
Possibly. Credit challenges don't automatically mean you can't finance a vehicle. Our finance team works with multiple lenders, and we'll help you understand the options available based on your individual application.
When you apply for auto financing, lenders may perform a credit inquiry. If multiple lenders review your application while you're shopping for an auto loan, credit-scoring models generally treat certain auto-loan inquiries made within a short period as a single inquiry for scoring purposes. Your individual situation can vary.
Either can be a good option. If you already have financing through your bank or credit union, bring your pre-approval to McCurley Honda. Our finance team can also help you compare available dealership financing options so you can look at the rate, term and total cost side by side.
Yes. You don't have to buy a Honda to finance through McCurley Honda. We help customers finance used cars, trucks and SUVs from a variety of manufacturers.
Yes. Honda Certified Pre-Owned vehicles can be financed through available Honda Financial Services programs, including special financing offers on select models when available. Eligibility and terms vary.
Not necessarily. A longer loan term can lower your monthly payment while increasing the amount of interest you pay over the life of the loan. That's why we recommend looking at the total cost of the loan, not just the monthly payment.
Yes. You can trade in a vehicle even if you still have a loan balance. We'll determine your trade-in value and compare it with your remaining payoff amount to calculate how it affects your next purchase.
Yes. Starting the financing process before choosing a vehicle can help you understand your potential financing options and budget. You can start the process online and then work with our finance team when you're ready to shop.
The timing can vary depending on the lender and your application. Once your application is submitted, our finance team works with the appropriate lenders and will help you understand the financing options available to you.
A co-signer may be an option depending on the lender and your individual application. A qualified co-signer can sometimes help an applicant qualify for financing or potentially improve the terms offered.
No. You can use financing from a bank, credit union or another lender. If you already have outside financing, bring your pre-approval to McCurley Honda. We'll help you compare your options.
