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.
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.
Sunny skies. Open roads. It’s the time of year when freedom beckons. Now, with SMCU’s latest tool, you can shop for a new or new-to-you car using AutoSMART from the comfort of your living room. What makes this better than other online services? This ad-free site lets you apply for a loan directly for pre-approval before you visit the dealership. And we’ll be here to help. If you contact a dealer, we’ll connect with you so you have the support you need. You can also chat with or call AutoSMART with questions about dealerships or the vehicle you’re interested in. Easy. No hassles. Just a better way to buy a car.
SMCU has rates as low as 1.49% APR on car, truck, and motorcycle loans. And rates as low as 3.49% APR on boat and RV loans. Look around and you'll see that they're already some of the lowest in Washington. But, between now and June 30, you can ride off with a 1% rebate, up to $250 and save even more!
Spring is always the perfect time of year to upgrade your vehicle, shop for a boat to enjoy the Puget Sound, or to get an RV for road-trip season. Combine our low rates and this 1% rebate with the fact that we charge no origination fee and offer an any-time skip-a-pay program that gives you more payment flexibility, and you can already feel yourself cruising down I-5.
To apply call an SMCU loan specialist at 855-575-9352 or click the button below.
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.
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.
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.
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.
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 feet. You can finance the cost of coverage into your loan for just a few dollars each month.
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 SMCU’s MBP plans come with roadside assistance, rental car allowance, paintless dent repair, and windshield repair. Zero deductible plans are available.
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.
Getting your loan at SMCU could not be more simple. There are three easy ways to apply:
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.
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.