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Financing a new or pre-owned car purchase does require a bit of research. The good news is, it doesn’t have to be difficult or time-consuming. The key to getting a great deal is to have the financing taken care of before you even set foot into the dealership.

  1. Apply: By Phone, Online or at a branch – It just takes a few minutes. Call our Contact Center, apply online at www.smcu.com or stop by a branch. If you have any questions about applying or the terms of your pre-approval, now is the time to call. We want to make sure you’re well informed. Call us at 206.398.5500 or 800.334.2489.


  2. Shop for a Car – After you’ve applied and been pre-approved, it’s time to look for a new car! This is the fun part. Find a car that fits your budget and reflects your style. Let the dealer know that you have your financing taken care of. You don’t need to present your pre-approval. Once you’ve found your car, bring a Purchase Order back to SMCU to have your loan funded.


  3. Close your loan at an SMCU branch – We have 8 convenient locations. Call ahead for an appointment at 206.398.5500 or 800.334.2489. Can’t come in? We can make arrangements to close your loan through the mail. Closing your loan is an important step to make sure everything’s wrapped up neatly. With your loan taken care of, you can now go ahead and pick up your car! If you ever have any problems or questions about your loan, contact one of our friendly loan representatives. They’ll take care of you to make sure you understand and are comfortable with your SMCU auto loan.

About 0% offers and other dealer incentives.
When it comes to getting an auto loan, take the time to carefully look at all your options. What you initially think is a great offer, may end up costing you more money in the long run. In order to offer that unbelievable rate, dealers may adjust other variables such as the final price, the term of the loan or the amount of the cash rebate. Tell us about the offer and we can help you decide if you’re actually saving money. Hey, that’s what we’re here for!

Actual quote from an SMCU member:
“Thanks for all your help…this was a very, very smooth loan process and great customer service. That’s why I keep coming back to you guys.”
- Jackie A.

Take a look at the benefits of an SMCU vehicle loan:

  • Generous financing on vehicle loans up to 100% of the purchase price with a maximum term of 72 months, plus tax and license so you can hit the highway in style.
  • Low cost Debt Protection plans from Seattle Metropolitan Credit Union for peace of mind.
  • Refinancing options to lower your monthly payment or shorten your loan term.
  • Car buying services from Auto Solution.
  • Loan Decisions - 24-Hours A Day

Apply online or call our Contact Center at (206) 398-5500 or (800) 334-2489 to apply any time, day or night.

 

Did You Know?

We'll shop for you!
Our trusted partner, Auto Solution, can help you find the exact car you're looking for
-fast- and you don't even have to visit a dealership. There's no risk, and you can usually get an incredible deal with no haggling! Don't waste another afternoon at a car dealership.

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