Seattle Metropolitan Credit Union
  • Locations |
  • Rates |
  • Contact |
  • About Us
[today's rates]

Interested in a loan?

 We'll contact you.

Rates as low as 1.49% APR* on your dream car. Click to apply now. *See below for details and disclosures.

Auto Loans

Save with SMCU Auto Loans 

Today's Loan Rates1

Auto 1.49% APR -  15.49%
Personal Loans 8.99%  -  20.99% APR
VISA® 6.99%  -  17.99%

Is your monthly car payment higher than it should be? If your auto loan is somewhere other than Seattle Metropolitan Credit Union, it might be. The good news is that it’s easy to switch your loan to SMCU. By having your car loan at SMCU, you could put money back in your pocket each month and possibly save hundreds of dollars every year.

SMCU has some of the best auto loan interest rates in the Puget Sound. Whether you are looking to refinance your existing car loan or shopping for a new or used car, SMCU can help. With rates as low as  1.49% APR, we will work with you to find the lowest car payment you qualify for, even if you have bad credit. Use our online research tools like our auto-loan calculator to help determine how much car you can afford. 

If you are shopping for a new car, SMCU can help you buy the car too, thanks to our partnership with Autoland car-buying service. Click here for more details. 




How much could you save?

  Your Loan Your Loan with SMCU
Amount $25,000 $25,000
Term 60 60
APR1 6.00% 2.99%*
Payment $483.32 $449.11
Annual Savings $410.52
[Apply Now]

*example rate based on loan amount less than 80% LTV

Refinance Your Car Loan with SMCU and You Could Save Hundreds 

Your car loan is one of your biggest monthly expenses. Why pay more than you have to?
Thanks to SMCU's low interest loan rates, you could cut your monthly car payment and save
hundreds of dollars or more over the course of a year.
It takes just a few minutes to complete an application.
Call (800) 334-2489 now to get a free auto loan quote and find out how much more you could save. 


See SMCU Before You Buy for the Best Deal on Vehicle Financing 

The last time you bought a car, did you feel as though you got taken advantage of when it came to the vehicle financing? After haggling to get the best deal on the car were you too exhausted to worry about getting the best loan you could?

When you talk to Seattle Metropolitan Credit Union before you go car shopping, you can get pre-approved for low-rate financing and be sure you are getting a car payment that works for you. Having a pre-approval before you go to the dealer can make the time you spend in the finance office much shorter and much less stressful.

Is 0% Really Better?

APR1 0.00% 1.99%*
Length of Loan (months) 36 36
Vehicle Cost $20,000 $20,000
Rebate $0.00 $2,000
Amount to Finance $20,000 $18,000
Monthly Payment $555.56 $515.49
Total Cost After 36 Months $20,000.00 $18,557.58
Total Loan Savings $1,442.42
[Apply Now]

*example rate based on loan amount less than 80% LTV

In some cases you can even get a better deal on the price of the car by arranging your auto financing ahead of time, even when the dealers are offering zero-percent financing.

Of course, with SMCU's car-buying service, you may not have to go to the dealer at all.


SMCU can help you with private-party financing

If you are buying a car from a private seller in Washington state, SMCU should be your first stop. We've been financing private-party car sales for years. We have trained loan representatives who can guide you through every step of the process to make sure you get the deal you want with no surprises. 

SMCU offers great services for private-party purchases, including:

  • Processing the Department of Licensing title work to transfer ownership.
  • Researching what the car you're looking at is actually worth. 
  • Mechanical Breakdown Protection, which can protect you from costly repairs. 

To make things even easier, we'll cut a check directly to the seller, so they have the peace of mind of receiving their money promptly. 

Unique Features Make SMCU's Vehicle Loans Some of Seattle's Best

SMCU's vehicle loans can reduce your monthly auto payment, but there is more to them than just a great low rate. They also come with additional benefits and great add-on products that make them even more valuable. 

SMCU's Anytime Skip-A-Pay

When unforeseen events put you in a financial bind, your auto payment can be the last thing on your mind. If you have a qualifying auto loan at SMCU, you have options. 

With an SMCU auto loan, you could be eligible to skip your car payment up to twice every twelve months, when you need the money most. SMCU's Anytime Skip-A-Payment program allows you to have flexibility to deal with unexpected expenses when they happen. 

GAP/Mechanical Breakdown Protection 

Accidents happen. Whether you find yourself stranded on the side of the road in the middle of nowhere or your car is totaled and the insurance settlement won't completely pay off your loan, SMCU has you covered. SMCU offers both GAP coverage to protect your credit and Mechanical Breakdown Protection plans to protect your car at prices than can be hundreds of dollars less than the same products at the dealer. You can finance the cost of both plans with your car loan and have peace of mind knowing the SMCU is with you no matter how far from Seattle you go.  


Save Money, Time, and Headaches by Doing Your Car Buying at the Credit Union

If you would rather avoid the headache of haggling with car dealers for your next vehicle or you have a specific year, make, model, or options  in mind, Seattle Metropolitan Credit Union has your car-buying answer.

We've partnered with Autoland, the nation's largest auto-buying service provider for credit union members to get you exactly the vehicle you want at the best possible price.

Our in-house consultant will personally walk you through the car buying process, negotiating on your behalf with dealerships across the state and beyond to find the exact car you’re looking for. No pressure from salesmen, no inflated pricing, and no more checking with the manager on a price.

Autoland will even deliver the car to any SMCU branch, so you can sign your loan documents and drive away, all without the high-pressure experience you might find at the dealer.

To schedule a no-obligation appointment with an Autoland consultant, call us at 800.334.2489 or stop by one of our convenient branch locations.


Three Quick, Easy Ways to Apply for your Next Car Loan

Get a quick answer and be on your way to saving money every month on your car payment.

  •   Apply Online

Whether you live in Seattle or Spokane, Mill Creek or Mount Vernon, you can apply online at 24 hours a day. Get a quick decision and, if approved, you can even sign your loan documents electronically.


  •  Apply by Phone

If you have  questions about payments or how much loan you can afford, call one of our specially trained Loan Representatives. They can walk you through the application process and give you the answers you need.


  •  Apply at a Branch

Stop by any of our branch locations to speak face-to-face with one of our friendly and knowledgeable branch representatives. They can help you calculate payments and quickly take your application, so you can get on your way.

Have you received a CPI letter in the mail?

Please continue to My Insurance Info to begin the process of insuring your new vehicle online.

1Annual Percentage Rate. APR reflects any prepaid finance charges and is subject to change without notice. Rates and financing are offered based on applicant's credit qualifications and other underwriting criteria.

*Annual Percentage Rate (APR) is effective as of 7/1/14 and reflects any prepaid finance charges and is subject to change without notice. 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. The rate assigned will be disclosed to you before you become obligated. Loan term of 36 months at "as low as" rate of 1.49% is $28.42 per month based on a $1,000 loan amount. For longer loan terms, please contact SMCU for further details. Simple rate calculation at

CU SERVICE Equal Housing Opportunity Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S. Government Agency. BBB
privacy policy | site map
©2014 Seattle Metropolitan Credit Union | powered by Intuit