1325 North Autoplex Way Pasco, WA 99301
Auto loan rates are climbing in 2026, but low-interest financing is still out there. At McCurley Cadillac in Pasco, we work with multiple banks, credit unions and GM Financial to help you find a financing option that fits your situation. That goes for new Cadillacs 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.
For Cadillac shoppers, that can mean a promotional financing offer on a new Silverado, Equinox, Traverse or another select model 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.
Cadillac and GM Financial 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 multiple lenders, including national banks, local credit unions and GM Financial, 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 what you're signing up for before you drive home.
You don't have to buy a Cadillac to finance through McCurley Cadillac .
We finance used vehicles of all makes, including cars, trucks and SUVs. Whether you're looking at a used Silverado, a Toyota truck, a Ford SUV or a sedan from another manufacturer, our finance team can help you explore your options.
Lenders typically consider things like the vehicle's age, mileage, condition and loan term when determining a used-vehicle 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.
Shop Used Inventory →
McCurley Certified. Newer, lower-mileage vehicles that meet our certification standards. The vehicle's age, mileage and condition determine which vehicles qualify.
Cadillac Certified Pre-Owned. Certified Cadillac vehicles that meet Cadillac CPO requirements and include the benefits and coverage that come with the Cadillac CPO program. Special financing may be available on select models when offered.
Shop Cadillac Certified Pre-Owned →
Cadillac periodically offers special APR financing, cash allowances and other incentives on select new models.
If you're shopping for a new Cadillac , check our current specials to see whether a promotional APR 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.
Sometimes a Cadillac 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.
You don't have to know exactly which vehicle you want before starting the process.
Our finance team reviews your application and works with lenders that may be a good fit for your situation, including banks, credit unions and GM Financial.
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 Cadillac
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 Cadillac . Lenders consider your credit history, income, existing debt, the vehicle you're purchasing and other factors when reviewing your application.
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.
Cadillac and GM Financial may offer special APRs and other incentives on select new models. Offers can change by vehicle, term and eligibility, so check our current Cadillac specials for the latest offers.
Absolutely. McCurley Cadillac finances used cars, trucks and SUVs from a variety of manufacturers. You don't have to buy a Chevy to work with our finance team.
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 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 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. If you already have outside financing, bring your pre-approval to McCurley Cadillac and we'll help you compare your options.
