Skip to content
Skip to main content

Main Header

Let’s credit union.

WSECU Auto Loans

  • New car. Used car. Refinance.
  • Fixed rates and flexible terms, up to 115% LTV
  • Preapproval in as little as 5 minutes

Get started

Let’s credit union.

WSECU Auto Loans

  • New car. Used car. Refinance.
  • Fixed rates and flexible terms, up to 115% LTV
  • Preapproval in as little as 5 minutes

Get started

  Washington’s only Forbes Best-In-State Credit Union five years in a row!

  Washington’s only Forbes Best-In-State Credit Union five years in a row!

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.

How much can I borrow?

Enter the loan amount and we'll calculate your monthly payment, or enter your desired monthly payment and we'll tell you how much you can borrow.

Calculate monthly payment
Calculate loan amount

What is your desired monthly payment?

This is the amount you pay monthly for the length of the term.
Enter in a dollar amount
Next
Back

What payment best fits your lifestyle?

Here are a few popular options.
Smaller Loan + Shorter Term (48 months)
Moderate Loan + Moderate Term (60 months)
Larger Loan + Longer Term (84 months)
Back

How much would you like to borrow?

This is the total loan amount.
$
Enter in a dollar amount
Next
Back

What payment best fits your lifestyle?

Here are a few popular options.
Higher Payment + Shorter Term (48 months)
Moderate Payment + Moderate Term (60 months)
Lower Payment + Longer Term (84 months)
Back

Loan Information

The amount you will pay towards the loan monthly.
Enter in a dollar amount
Enter loan amount instead
Enter in a dollar amount
Enter monthly payment instead
The amount you'll pay each year to borrow the money, expressed as a percentage. Your actual rate may vary. See rates for this loan type for other options.
Enter in a percentage
The duration of time it takes to pay off the loan in months.
Enter in a number between 1 and 360

Principal & Interest Over Time

Apply now
Learn more

When using the calculator, please remember the dollar amounts displayed aren't guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to, the loan type or amount for which you may qualify.

Auto Loan Rates
Type of LoanAnnual Percentage RateMax Loan-to-ValueLoan MaximumRepayment Maximum
New
Models 2024 and Newer		5.30% - 12.34%115%*$250,000Up to 84 Months
Used
Models 2023 and Older		5.58% - 13.29%115%*$250,000Up to 84 Months
Used 
2023 and Older
100,001 to 175,000 miles		6.83% - 14.54%115%*$250,000Up to 72 Months
Classic
20 Years or older		6.83% - 9.64%80%**$250,000Up to 72 Months

Rates and terms listed are current as of March 15, 2026. Rates and terms are subject to change at WSECU's discretion.

*New/Used Vehicle Purchases: Maximum advance may include the sales tax, license and warranty, up to 115% of vehicle value, depending on credit history.  ↵
**Classic Vehicle Purchases: Maximum advance is 80% of JD Power "Average Retail," 80% of KBB "Adjusted Retail," or 80% of written appraisal. For complete details on classic car financing, please call our Contact Center at 800.562.0999 or visit a branch.  ↵

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.

Get started

Here's what you'll need

Here's what you'll need

Auto, Recreational Vehicle, Personal Loan or Line of Credit

  • SSN or ITIN
  • Date of birth
  • Address
  • Employment information and income
  • Monthly rent or mortgage payment
  • Additional expenses; e.g., monthly child support, child care, alimony, etc.
  • Loan information (if refinancing a loan from another institution)

Auto Loan Rates
Loan type APR Purchase max LTV External refinance max LTV Loan maximum Repayment maximum
New Auto Loans 5.30% - 12.34%
APR
115%
Purchase max LTV
145%
External refinance max LTV
$250,000
Loan maximum
Up to 84 Months
Repayment maximum
Used Auto Loans 5.58% - 13.29%
APR
115%
Purchase max LTV
145%
External refinance max LTV
$250,000
Loan maximum
Up to 84 Months
Repayment maximum
High Mileage Used Auto Loans 6.83% - 14.54%
APR
115%
Purchase max LTV
145%
External refinance max LTV
$250,000
Loan maximum
Up to 72 Months
Repayment maximum

Auto Loans Assumptions

Maximum advance may include sales tax, license, and warranty, depending on your credit history. Your rate and the financing terms (such as Loan-To-Value, Maximum Amount and Payment Period) that you qualify for will be determined by your personal credit history, vehicle mileage, loan term, collateral and vehicle age. Proof of income may be required. All loans are subject to our lending policies.

Financing available for vehicles 20 years in age or older. Call our Contact Center or visit a branch for details.

Equity Take-Outs: We will finance up to the LTV listed for purchases per loan type.

Payment examples:

  • New Auto: $15.38 per $1,000 at 3.39% APR for 72 months
  • Used Auto: $15.53 per $1,000 at 3.74% APR for 72 months
  • Classic Auto: $16.11 per $1,000 at 4.99% APR for 72 months

Rates and terms listed are current as of March 15, 2026. Rates and terms are subject to change at WSECU's discretion.

Ways to apply

Apply online

Apply for a preapproved amount, or for the cost of a vehicle you already found.

Schedule an appointment

Meet with one of our helpful loan officers to discuss your options.

Work with a dealership

Apply for a loan directly through a Credit Union Direct Lending dealer.

Purchase your next vehicle on your terms

Shop around 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.

  • 1

    Shop around

    With a loan estimate in mind, you can shop around and plan a budget.


  • 2

    Get preapproved

    Ready to buy? Complete your application and take your preapproval letter directly to the dealership.


  • 3

    Buy your car

    Get the car you want. Easy peasy.

Have an auto loan you don't love? Refinance.

Want to spend less? We may be able to lower your current rate when you refinance your auto loan with us.

Get started

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.

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?

Being a member of Washington’s only Forbes Best-In-State Credit Union five years in a row 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. 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.

Forbes 2025 Best-In-State Credit Unions - 5 Years Running

Feedback submission button and cookie policy notification.

Your perspective is important to us and helps us see where we’re hitting the mark and where there might be areas to improve.