What does it mean to have a car?

If you're already a car owner, you may not think about the answer to this question very often. If you don't have a car, it's probably on your mind almost every day.

Having a car means having freedom. Maybe it's the freedom to buy groceries in bulk to take advantage of volume pricing instead of having to shop one bag at a time because that's all you can carry on the walk home. It can be the freedom to let your child join the band since they don't have to lug their instruments to and from home. It's the freedom to accept a better-paying job halfway across town without having to ride the bus for hours just to get there. Having a car can be the freedom just to take a spontaneous drive to clear your head or enjoy the amazing scenery we have around us here in the Pacific Northwest.

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.

Apply Now Apply Now   Call 206.398.5662 Auto Loan Rates As Low as 2.99%APR. See disclosure 1.

Ride off with a 1% rebate 4, up to $250!

Seattle Credit Union has rates as low as 2.99% APR on car, truck, and motorcycle loans. Look around and you'll see that they're already some of the lowest in Washington. But, between April 1 and June 30, 2018 you can ride off with a 1% rebate, up to $250 and save even more!

Spring is a great time of year to upgrade your vehicle. 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.

Protect your car, your loan, and your good name.

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.

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.

Want to talk? We'll contact you.

Get our free Auto-Buying Guide eBook!

get our free auto-buying guide ebook

Ride off with a 1% rebate4, up to $250!

Seattle Credit Union has rates as low as 2.99% APR on car, truck, and motorcycle loans. Look around and you'll see that they're already some of the lowest in Washington. But, between April 1 and June 30, 2018 you can ride off with a 1% rebate, up to $250 and save even more!

Spring is a great time of year to upgrade your vehicle. 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.

new car

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.

Apply Now Apply Now   Call 206.398.5662

Prefer To Do It In Person?

Stop by any of our convenient branch locations throughout the greater Seattle area, and meet with a friendly member representative.

dream cars

Apply Now and Get Your Dream Car

Whether you are looking for a sports car, luxury sedan, hybrid, truck, van, motorcycle, or SUV we can help pair you up with the right loan and rate to make the buying process a breeze. Reach out today and spend less time worrying about the finance office at the dealership, and more time cruising down I-5.

Apply Now Apply Now   Call 206.398.5662

FEDERALLY REQUIRED DISCLOSURES FOR SEATTLE METROPOLITAN CREDIT UNION DBA SEATTLE CREDIT UNION

1Annual Percentage Rate (APR) reflects any prepaid finance charges, is effective as of 4/2/2018, 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 206.398.5662 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.

2All 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 206.398.5662 for details.

3Loans 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.

4Rebate offer begins April 1, 2018 and expires June 30, 2018 and applies to all new auto, boat, RV purchase-money loans only. All loans are subject to Seattle Credit Union credit underwriting requirements. Applicant's loan must be approved by 11:59 p.m. PT on June 30, 2018 and funded within 60 days of application date to be eligible. The rebate of 1% of the approved loan amount minus any GAP or Debt Protection premiums added to the loan, up to $250, will be deposited into the member's Savings account at loan funding. Rebate recipient is responsible for any taxes associated with the rebate or other promotional payments received during the year and may receive IRS Form 1099-MISC reporting those payments. Seattle Credit Union reserves the right to cancel or amend the terms and conditions of this promotion at any time and without notice. Contact us for additional details at 206.398.5500 (800.334.2489).

5GAP 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 (800.334.2489).