Auto loan rates are climbing in 2026, but low-interest financing is still out there. At McCurley Mazda in Pasco, we work with a variety of lenders to help you find a financing option that fits your situation. That goes for new Mazda vehicles and used cars, trucks and SUVs of every make.
Whether you're looking at a Mazda CX-5, CX-50, CX-70, CX-90, Mazda3 or a pre-owned vehicle from another manufacturer, our finance team can help you compare your options.
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.
For Mazda shoppers, that can mean a promotional financing offer on a select new Mazda may be significantly different from the average rate on a typical auto loan.
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.
That's why it's worth comparing your actual financing options instead of assuming today's average rate is the rate you'll get.
In Q2 2026, the average APR was 6.35% for new vehicles and 11.19% for used vehicles, according to Experian.
Your credit profile can make a big difference:
Source: Experian State of the Automotive Finance Market, Q2 2026.
Mazda may offer promotional financing on select new vehicles when available. These offers can be well below broader industry averages, but they can vary by model, term, location and eligibility.
We don't send your application to one lender and hope for the best.
Our finance team works with a variety of lenders 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.
The goal isn't just to get you approved. It's to help you understand your options so you can choose the financing that makes the most sense for you.
Financing isn't your only option.
Depending on the current Mazda programs and your plans for the vehicle, leasing may also make sense. Leasing can offer a lower monthly payment in some situations, while financing allows you to work toward owning the vehicle outright.
Our team can help you compare the two based on how you drive, how long you plan to keep the vehicle and what matters most to you.
Whether you're looking for the versatility of a CX-5, the style and space of a CX-50, the three-row capability of a CX-90, or the premium feel of a CX-70, we'll help you compare your options.
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McCurley Used. Pre-owned vehicles of every make, including cars, trucks and SUVs.
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McCurley Certified. Newer, lower-mileage vehicles that meet our certification standards. The vehicle's age, mileage and condition determine which vehicles qualify.
Mazda Certified Pre-Owned. Select newer Mazda vehicles that meet Mazda's certification requirements and include the benefits and coverage associated with Mazda's CPO program. Special financing may be available on select models when offered.
Mazda periodically offers special APR financing, lease offers and other incentives on select new models.
Offers can change by model, trim, term, location and eligibility requirements.
If you're shopping for a new Mazda, check our current specials to see whether a promotional APR, lease offer or other incentive 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.
A lower monthly payment isn't automatically a better deal if it comes with a longer loan term and more interest paid over time.
That's why we recommend looking at the APR, loan term, monthly payment and total cost together.
Sometimes a Mazda offer gives you a choice between a low APR and another incentive.
A cash incentive can reduce the amount you're financing. A low APR can reduce the amount of interest you pay.
Instead of automatically choosing the offer with the biggest advertised number, compare the total cost over the life of the loan.
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Start your finance application online from home. McCurley Mazda offers an online finance application so you can get the process started before visiting the dealership.
Our finance team works with a variety of lenders to help find financing or leasing options that fit your situation.
We'll walk you through your available options so you understand the rate, term, monthly payment and total cost before you choose.
Already have financing through your bank or credit union? Bring your pre-approval with you and we'll help you compare.
You don't have to figure it all out on your own.
McCurley Mazda
1325 North Autoplex Way
Pasco, WA 99301
Sales Hours:
Monday-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.
There isn't one specific credit score required to finance a Mazda. Lenders consider your credit history, income, existing debt, the vehicle you're purchasing and other factors when reviewing your application.
Credit challenges don't automatically mean you can't finance a vehicle. Our finance team works with a variety of lenders and can help you understand the options available based on your individual situation.
Mazda may offer special APRs, lease programs and other incentives on select new models. Offers can change by vehicle, term and eligibility, so check our current Mazda specials for the latest offers.
Absolutely. McCurley Mazda offers used cars, trucks and SUVs from a variety of manufacturers. You don't have to buy a Mazda to work with our finance team.
Neither is automatically better. Financing can be a good fit if you want to own your vehicle, while leasing may work better if you prefer a newer vehicle every few years. We'll help you compare both based on your budget, driving habits and plans for the vehicle.
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 it's important to compare the total cost, not just the monthly payment.
Yes. You can trade in a vehicle even if you still have a loan balance. We'll determine the value of your trade and compare it with your remaining payoff to see how it affects the amount you need to finance.
Yes. If you've already been pre-approved through your bank or credit union, bring your financing information with you. Our team can also help you compare your outside financing with the options available through the dealership.
A lender may perform a credit inquiry when you apply for financing. When multiple lenders review an auto-loan application within a short period, credit-scoring models may generally group certain auto-loan inquiries together. Your individual credit situation can vary.
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. McCurley Mazda's finance team works with a variety of lenders to help you compare available options.
