Let’s credit union.
WSECU Auto Loans
- New car. Used car. Refinance.
- Fixed rates and flexible terms, up to 125% LTV
- Preapproval in as little as 5 minutes
Let’s credit union.
WSECU Auto Loans
- New car. Used car. Refinance.
- Fixed rates and flexible terms, up to 125% LTV
- Preapproval in as little as 5 minutes
Forbes #1
A Forbes Best-in-State Credit Union in Washington 4 years running
A Forbes Best-in-State Credit Union in Washington 4 years running
Let's get you preapproved.
Found your dream car but need a loan? A loan from WSECU will help make that dream a reality. We offer low fixed rates, flexible terms and up to 125% on financing. You can get preapproved before purchasing, so you know your buying power in as little as five minutes.
Calculate your car payment.
New car. Used car. Refi. WSECU can help.
We have competitive rates and terms on auto loans for just about any age of vehicle you want to buy. In fact, we can even provide an auto loan for you to refinance a vehicle you already own.
Auto Loan Rates
New Auto Loan Rates
(2022 and newer)
Used Auto Loan Rates
(2021 and older)
Rates and terms listed are current as of October 18, 2024. Rates and terms are subject to change at WSECU's discretion.
Purchase your next vehicle on your terms
Prequalify to get ahead. When you’re ready to buy, apply for your WSECU auto loan before purchase and be ready to negotiate for your best deal.
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1
Prequalify*
Complete the first portion of the application for an estimate and no impact on your credit score.
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2
Shop around
With a loan estimate in mind, you can shop around and plan a budget.
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3
Get preapproved
Ready to buy? Complete your application and take your preapproval letter directly to the dealership.
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4
Buy your car
Get the car you want. Easy peasy.
Prequalification disclosure
FAQ
Click any of the Get started buttons on this page and apply online, schedule an appointment to meet with a loan officer, stop by a branch or call the Contact Center. You can also apply directly at a Credit Union Direct Lending dealer.
Anyone who is eligible for membership with WSECU may apply for an auto loan.
To prequalify, or to get prequalified, means a lender provides an estimated loan offer without doing a full credit check. Prequalifying won’t impact your credit score. Because the estimate is provided without full credit information, neither the loan amount nor the rate are guaranteed. At WSECU, we can prequalify only individuals and not joint applicants.
Being preapproved, or getting a loan preapproval, means the lender has made a firm loan offer that is valid through a specified time frame. Applicants can accept or reject preapprovals. Getting preapproved is helpful if you want to choose a lender and know your loan terms before making a vehicle purchase.
Yes. If you haven’t chosen a vehicle yet, you can still request to be preapproved for your target loan amount. If you’ve already chosen a vehicle, the application will ask for specific information such as year, make, model and VIN.
No.
The auto loan application will conclude with a message stating that WSECU will be in contact in the next couple of business days. Next steps will vary depending on whether you’re refinancing a vehicle, purchasing from a private party or purchasing from a dealer.
Why WSECU?
WSECU membership has its perks. Enjoy favorable rates on everything from credit cards to savings accounts. Insured deposits. A great mobile app. Access to your money from ATMs anywhere in the world. Unparalleled member service. It's no wonder Forbes ranked WSECU a Best-in-State Credit Union in Washington 4 years running. And since you'll be part of a member-owned cooperative that gives 4% of its net income back to your local community, you'll see the good happening all around you. Every day.
