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Seattle Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 20 October 2023
Fact checked

Seattle Credit Union auto loans overview

Seattle Credit Union logo

Seattle Credit Union started in 1933 and continues to provide competitive auto loans to its members across Washington. Pre-owned and new vehicles start as low as 6.24% APR with repayment periods of up to 84 months. On top of great rates, borrowers can qualify for a green loan discount when financing hybrid-electric and electric cars.

Want to see what a Seattle CU auto loan will cost? Try the Seattle Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Seattle Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: $150,000.
  • Interest rates: From 6.24% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Rate discounts for hybrid-electric and electric cars.

SEATTLE CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

You can choose to purchase or refinance through Seattle CU’s flexible auto loans. From as low as 6.24% APR, you can finance used and new autos and motorcycles. Plus, repayment terms can be up to 84 months.

RV and boat loans

Other than cars and motorcycles, you can also apply for recreational vehicle and boat loans. Interest rates begin at 7.49% APR, and you can borrow up to $250,000. Depending on your loan amount, terms can extend up to 180 months.

Seattle Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Seattle Credit Union

Seattle Credit Union auto loan

Seattle Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Seattle Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Seattle Credit Union auto loan

Eligibility criteria

Though Seattle CU doesn’t disclose the auto financing criteria, you should generally be:

  • At least 18 years old
  • A legal resident
  • A member of Seattle Credit Union
  • Employed or have a reliable source of income

Many banks, credit unions, and lenders offer competitive loans. To improve your chances of getting approved for a car loan, weigh different choices carefully. This way, you can find the best loan you qualify for.

How to join Seattle Credit Union

Seattle CU membership is open to those who:

  • Live, work, worship, or attend school in the state of Washington
  • Are related by blood or marriage to a current Seattle Credit Union member
  • Work for one of Seattle CU’s Community Partners

What you’ll need to have ready

Personal details

When you apply for auto financing with Seattle Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Seattle CU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Besides preparing the documents, it helps to know how to get an auto loan, too. By understanding the process, you can better navigate your application and have an easier time financing your vehicle.

Ways to apply for a Seattle Credit Union auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 855-575-9352

Additional Seattle CU auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.25% discount for qualified hybrid-electric and electric cars.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, over the phone, by mail, and in a branch.

Vehicle restrictions and limitations

  • Maximum vehicle age: 10 years.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive APRs.
  • Flexible repayment periods.
  • 0.25% rate discounts for hybrid-electric and electric cars.
  • Quick turnaround time.
  • Prequalification offered.
  • Multiple payment options – online banking, mobile app, over the phone, by mail, and in person.
  • Convenient online application.
  • Co-applicants allowed.
  • Optional GAP, Mechanical Breakdown Protection, and debt protection offered.

Cons

  • Membership required.
  • Undisclosed loan fees.
  • Members with low credit scores may get less favorable rates.

FREQUENTLY ASKED QUESTIONS

How much interest does the Seattle CU charge on vehicle loans?

Seattle Credit Union’s car loans begin at 6.24% APR.

Are there discounts available on Seattle Credit Union auto loans?

You can get a 0.25% APR discount if you finance a hybrid-electric or electric car.

What is the maximum term of a Seattle Credit Union car loan?

You can select a loan repayment period of up to 84 months.

How long does Seattle CU take to approve vehicle finance?

Usually, you can get a loan decision within minutes.

What is the phone number for the Seattle Credit Union auto loan payoff?

You can reach out at 206-398-5500 to find out your payoff information.

What information do I need to provide when applying for a Seattle CU auto loan?

Besides your personal and contact details, Seattle CU will ask for information on your income and employment.

Video: Auto Refinance helps Laurie on the road to homeownership

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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