Auto Loans

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 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. 

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 the dealer at all.

 

Is 0% Really Better?

 
Rebate
Amount to Finance
Monthly Payment
Total Cost After 36 Months
Total Loan Savings
 
Rebate
Amount to Finance
Monthly Payment
Total Cost After 36 Months
Total Loan Savings
$20,000 Vehicle with 0.00% APR for 36 Months
$0
$20,000
$555.56
$20,000
 
Rebate
Amount to Finance
Monthly Payment
Total Cost After 36 Months
Total Loan Savings
$20,000 Vehicle with 1.99%* APR for 36 Months
$2,000
$18,000
$515
$18,557
$1,443

 

How much could you save?

 
Amount
Term
APR
Payment
Annual Savings
 
Amount
Term
APR
Payment
Annual Savings
$25,000
60
6.00%
$483.32
 
Amount
Term
APR
Payment
Annual Savings
$25,000
60
2.99%¹
$449.11
$410.52

 

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Protect Your Loans and Your Good Name

Unexpected events, like an illness or emergency, can wreak havoc on your short-term finances. When you borrow from SMCU, you have access to special products designed to help you weather the storm.

 

Anytime Skip-A-Pay

SMCU’s innovative Anytime Skip-A-Pay program allows you to skip up to two loan payments every twelve months with the payment of a small processing fee. Anytime Skip-A-Pay gives you the flexibility to deal with unforeseen expenses like home repairs or unusually large credit card bills without causing any damage to your credit score.

 

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Debt Protection

When you get sick or lose your job, monthly bills can pile up quickly. When you add SMCU’s Debt Protection to your loans, you get peace of mind knowing that your loan payments are covered while you get back on your feet4. You can finance the cost of coverage into your loan for just a few dollars each month.

 

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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 an eligible used car. Most of SMCU’s MBP plans come with roadside assistance, rental car allowance and trip interruption provisions.

 

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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. 

 

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autoland

Any Make, Any Model

If you would rather avoid the headache of haggling with car dealers for you next vehicle or you have a specific year, make, model, or options in mind, SMCU 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.

 

Get Started

Apply Now. Get an Answer Fast.

Getting your loan at SMCU could not be more simple. There are three easy ways to apply:

 

Online

When you are ready to apply, head over to our online loan application to get started. Answer a few short questions, hit submit, and you’ll usually have an answer in just a few minutes.

By Phone

Call our specially-trained loan experts, who are happy to answer any questions you might have. They can take your application and get you a decision while you wait, in most cases. Call 855-575-9352 to get started.

In Person

Stop by any of our convenient branches to talk with our helpful, friendly branch representatives. They can help you figure out which loan is right for you and get you a decision fast.

private party financing

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.

 

  • 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.

DISCLOSURES

 

1 Rate based on 80% LTV.

Auto Loan Rates

 

Up to 36 Months
as low as*

 

1.49%APR

Up to 48 Months
as low as*

 

1.99%APR

Up to 60 Months
as low as*

 

2.49%APR

Up to 72 Months
as low as*

 

2.99%APR

Up to 80 Months
as low as*

 

3.49%APR