If It's Time for a New Car, It's Time to Talk to Seattle Credit Union

Whether you are getting ready to buy your first car or your next car, your first step should be talking to the auto loan experts at Seattle Credit Union. We can help you decide whether the time is right to buy. If it is, we'll work with you to figure out how much you can afford. Once you have your preapproval, we'll walk you through the car-buying process and give you tips and tricks that will allow you to avoid hassles and save money. It's easy to get started. Give us a call, or apply online and get your decision quickly.

Rates as lows 3.49% APR1

Look around, we typically have the lowest rates around, for nearly all credit tiers.

An Auto Loan with Special Features

When you finance your car with Seattle Credit Union, not only will you get a rate that will save you money every month, but you'll get the freedom that peace of mind brings, thanks to some of the great features and add-on products available with our auto loans.4

Anytime Skip-A-Pay

If you have an emergency that causes you to spend money you weren’t prepared to spend, having a Seattle Credit Union auto loan can be the difference between having a 30-day past due on your credit report and not. Unlike auto loans at other lenders, Seattle Credit Union’s auto loans come with Anytime Skip-a-Pay, an innovative program that allows you to skip up to two payments a year at times that are convenient to you3. All you have to do is pay a small processing fee, and you can use the money you would have spent on your car payment to help you deal with your emergency expense.

Mechanical Breakdown Protection (MBP)

MBP, also known as Extended Warranty, can cover repairs and unexpected mechanical breakdowns and enhances existing manufacturer's warranties. MBP can come in handy when you purchase a new or used car. All of Seattle Credit Union's MBP plans come with roadside assistance, rental car allowance, paintless dent repair, and windshield repair. Zero deductible plans are available.

GAP Advantage

If you are in an accident in which your car is totaled, a GAP policy will usually pay the difference between what you owe on the loan and what the insurance company says the car is worth. GAP is particularly valuable when you buy a brand new car, as they depreciate most quickly in the first year of ownership and could leave you with a sizable bill in the event of a crash.

Debt Protection

When you get sick or lose your job, monthly bills can pile up quickly. When you add Seattle Credit Union's Debt Protection to your loans, you get assurance knowing that your loan payments are covered while you get back on your feet. You can finance the cost of coverage into your loan for just a few dollars each month.

We Wrote the Book on Auto-Buying

If you’re not sure where to start when you’re ready to buy a car, let us help. We’ve been helping members like you for decades. In fact, we’ve written a free guide to help you navigate your way to your next new car. Download the Auto-buying guide today. Or you can also talk to a friendly loan rep to get your auto-buying questions answered. We can also get you pre-approved for a loan before you go to the dealer, so you know exactly how much car you can afford.

Rather Do It in Person?

Come by one of our convenient locations.

  • Beacon Hill: 1604 S. Roberto Maestas Festival St, Seattle, WA 98144
  • Burien: 14901 4th Ave SW, Ste 107 Burien, WA 98166
  • Downtown Seattle: 722 3rd Ave, Seattle, WA 98104
  • Georgetown: 500 S Michigan St, Seattle, WA 98108
  • Kirkland: 365 Kirkland Ave, Kirkland, WA 98033
  • Lynnwood: 3925 196th SW, Ste C, Lynnwood, WA 98306
  • Northgate: 303 NE Thornton Pl, Seattle, WA 98125
  • Rainier: 3621 33rd Ave S, Ste C-1, Seattle, WA 98144
  • Southcenter: 17250 Southcenter Parkway, Ste 132, Tukwila, WA 98188

What Our Members Are Saying

Joel

"We have our closing this evening and I wanted to thank you for all the work you put into our multiple (and future) loans with you. It is such a pleasure to work with you on these. You understand all the issues, are very helpful, responsive, and you've given me a lot of confidence in having our mortgages with Seattle Credit Union. We are so grateful for your hard work, friendliness, and expertise."

Marco

"I could not be more satisfied. Despite the length of time, my agent was continuously responsive and helpful at every step, often well after 5 pm. I always knew where we were in the process and what was coming next. They worked very hard to get the three refis correct and balanced them out so we were not out of pocket any money."

Chris

"We really appreciated the great experience you provided for our mortgage loan. Your communications were timely. You led us through the process step by step. And you were so fast in getting the process completed! It was really refreshing to work with you."

Disclosures

1 Annual Percentage Rate (APR) reflects any prepaid finance charges, is effective as of 9/27/2018, and is subject to change without notice. Other restrictions may apply. Rates and financing are offered based on applicant's credit qualifications and other underwriting criteria, including but not limited to, credit and loan payment history. All loans are subject to approval. The rate assigned will be disclosed to you before you become obligated. Please contact Seattle Credit Union at 855.575.9352 for further details. Subtract 0.25% for hybrid/electric vehicles. Add 0.25% for loan-to-value greater than 80%. Add 1.25% for model years 10 years old and older. Add 1.25% for vehicles with more than 125,000 miles. Visit seattlecu.com/rates for complete rate information and disclosures.

2 All loans are subject to Seattle Credit Union lending criteria. Offer may be withdrawn or amended if we are unable to verify your income or your income is insufficient to support the proposed loan, if the collateral pledged as security is insufficient to secure the loan, or if your credit has changed and no longer qualifies you for this offer. Other terms and restrictions may apply. Call 855.575.9352 for details.

3 Loans must meet Skip-A-Pay eligibility requirements and require the payment of a $29/loan processing fee. Visit seattlecu.com/skip-a-pay for full details. Interest continues to accrue during any period for which loan payments are postponed.

4 GAP coverage and Mechanical Breakdown Protection (MBP) require payment of a one-time premium at the time of funding based on the plan selected as well as the value of the vehicle and the amount of the loan. The premium can be paid out of pocket or can be added to the principal balance of the loan. Debt Protection requires the payment of a monthly premium amount based on the Debt Protection plan selected. If the Protection is purchased at loan closing, the fee becomes part of your required monthly loan payment. If Debt Protection is added after the start of a closed-end loan, the fee will be added to your outstanding balance as an advance each month; in such a case, we may either increase your minimum monthly payment or extend the term of your loan. Neither GAP, MBP, nor Debt Protection are required to be approved for a loan, nor will the purchase of any be considered when evaluating your application. Contact us for additional details at 206.398.5500.