Skip to content

Vehicle Loans

The only thing better than that “new car smell” is a great financing deal, and a painless application process. Kitsap Bank’s low auto loan rates will get you there. We’ll help you purchase that car, truck, motorcycle, boat, or RV today.

Easy and transparent process

As a local, independent, family-owned bank, we're making it easy to apply for vehicle loans through Kitsap Bank's online loan portal. 

Access the portal from your phone or computer for updates and more.

  • View the status of your loan application
  • View a summary of your loan
  • See which documents you have submitted or need to submit
  • Easily upload documents

Begin the Process - Apply Now


Loan TypeRate APR  
New Vehicles6.25% - 6.50%6.28% - 8.08%Apply Now
Used Vehicles6.50% - 7.00%6.57% - 8.08%Apply Now
  • 1

    * 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
    • 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*)

View Current Rates

Learn More

Loan Calculator

Learn More

Apply for a Loan

Apply Now