Vehicles¹

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  * APR = Annual Percentage Rate

  • Subject to credit approval.
  • Interest rate reflects a preferred interest rate discount of 0.25% for enrollment in automatic payments from qualifying Kitsap Bank Account.
  • Minimum credit score 680.
  • New auto loans available up to purchase price.
    • Maximum term based on loan amount; not to exceed 72 months.
  • Used auto loans require a 10% or more down payment of the lower of NADA average retail value or purchase price.
    • Maximum term based on loan amount; not to exceed 60 months
  • Vehicle models 8 years or older require a branch vehicle inspection report. 
  • Your actual annual percentage rate and payment amount may be different as determined by your collateral, term, loan amount and date of first payment.
  • Kitsap Bank continues to promote financing options for energy efficient green vehicles at a reduction of 0.25%.
  • Vehicles listed under the EPA's SmartWay certification program qualify.  Cars and trucks awarded EPA's SmartWay certification emit less greenhouse gas (GHG) and smog-forming tailpipe emissions than other vehicles.  Find the lists at https://www.epa.gov/greenvehicles/find-smartway-vehicle
  • Typical loan payment examples based on first payment date 30 days from funding are as follows:
    • New Vehicle -$420.58 (fees financed) or $420.31 (fees paid in cash)  for 72 months, based on a $25,000 loan at 6.50% interest rate (6.53% APR*)
    • Used Vehicle - $495.42 (fees financed) or $495.09 (fees paid in cash) for 60 months, based on a $25,000 loan at 7.00% interest rate (7.03% APR*)