Auto Loans

Get competitive rates, flexible terms, and personalized service for new cars, used cars, and refinance - prequalify for an auto loan today and hit the road!
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Auto Loan Benefits & Features

Pre-Approval Options

Get pre-approved for better bargaining power at the dealership

Refinancing Available

Refinance your existing auto loan to potentially lower your monthly payments

Earn Rewards

Earn rewards on your auto loan when you have Spend Plus Checking

Flexible Loan Terms

Choose from a variety of loan terms to find a repayment plan that fits your budget. Loans for dealership or private auto sales available

Auto Loan Rates

AS LOW AS 7.49% apr*
*Annual Percentage Rate for new and used cars.

Get Pre-Qualified for an Auto Loan Today

Prequalification helps you understand how much you can afford before you start shopping. This way, you can focus on vehicles within your budget and avoid any surprises later.

Our prequalification process is quick and straightforward, and it doesn’t affect your credit score. You can explore your loan options and get an answer in minutes!

Auto-buying the way you want.

You’ve got options and we’ve got Auto Loans. Apply online, in person,
or ask for a WECU loan at your local dealership. ITIN lending available.  

Nature-inspired road trip through picturesque mountain landscape.

Prequalify today

Prequalify for an auto loan now with no impact to your credit score. Get an answer in minutes!

Family at a car showroom.

Visit a dealer

Find the car you want first and then tell your dealer that you want to finance with WECU. Dealers throughout WA state are ready to help WECU members find a car and a loan from their local credit union.

Costco Promo

Costco Auto Program Savings Event

Eligible Costco members can receive exclusive incentives on select, new models until July 31, 2024.
Members who purchase an eligible vehicle through Costco Auto Program and use WECU to finance their purchase will also receive:
$50 Costco Shop Card, if you are already a Costco member, or a free Gold Star Membership, if you are not a Costco member.

Need help finding a car?

WECU has partnered with the Costco Auto Program to provide you with pre-arranged pricing through its network of hand-selected dealerships, with added perks when you finance your car with WECU.


Protection for life’s twists and turns.

What happens if your car is totaled or stolen while you still owe a balance on your auto loan? Not to worry. Member’s Choice Guaranteed Asset Protection (GAP) can keep you covered:

GAP pays

The difference between the balance you owe, and what your primary auto insurer pays.

GAP covers

Your insurance deductible, too.

GAP gives

You get $2,500 towards the purchase of a replacement vehicle if you finance that vehicle through WECU.

Payment Protection

Plan for the unexpected by adding Payment Protection to your loan. To add Payment Protection to your loan, give us a call.

Verify Your Insurance

Already have an auto loan with us and just need to verify your insurance? Take care of that last step now.

Auto Loan Frequently Asked Questions


What types of car loans do you offer?

WECU offers dealer purchases, refinancing of current auto loans, lease buyouts, and private party purchases. WECU also offers cash-out refinances (aka title loans) to allow applicants access to their car’s equity.

Are there any types of vehicles WECU does not finance?

WECU considers the vehicle’s age, mileage, and clean title status when making loan decisions. We also offer motorcycle, boat, and RV loans.

Who is eligible for an auto loan?

You must be 18 years old, eligible for WECU membership, and have a valid SSN (Social Security Number), Restricted SSN, or ITIN (Individual Tax Identification Number).

Do you offer car loans in all 50 states?


Are there any specific terms and conditions I should know before applying for an auto loan?

There are term and loan-to-value limits, and title fees. A down payment and income and insurance verification may be required.

What financing terms do you offer?

WECU terms depend on loan type, collateral, and applicant qualifications. Our Relationship Officers are happy to answer your questions.

If I pay my auto loan off early, is there a prepayment penalty?


What qualifies a vehicle for a new versus used auto loan rate?

A new vehicle is a vehicle that has never been titled.

Can I get a car loan with an ITIN number?

Yes! We accept Individual Tax Identification Numbers (ITIN) for car loans.

What does “prequalify” and “preapproved” for an auto loan mean?

Pre-qualification is available on and allows applicants to see loan offers they qualify for without impacting their credit score. If they accept the terms presented, they will consent to WECU pulling credit (a “hard hit”), which will appear as a credit inquiry on their credit report. In this case, the applicant may now be “pre-approved.”

With pre-approval, an applicant can shop for an auto loan with an idea of what they may be approved for. Pre-approval is recommended when shopping for collateralized loans, like auto or RV loans. Knowing the terms and rates the applicant may qualify for when they go to a dealership or if they’re considering private-party sales can be helpful when shopping. A pre-approval is good for 45 days from when the application is submitted.

How long does it take to get approved for an auto loan?

A person can be pre-qualified for an auto loan in minutes online! An approval by WECU staff can be immediate, or it can take up to 2 business days. Typically, the Monday through Saturday approval process can be the same day whether you’re borrowing directly from WECU or by working with the dealership coordinating the loan with WECU through the Credit Union Direct Lending (CUDL) system. The loan closing can be delayed by issues such as documentation, vehicle considerations, and dealership communication, but we’re dedicated to getting you in your new car ASAP.

Can I get approved for an auto loan before I select my car?

Yes, you can pre-qualify online and get pre-approved at a branch or over the phone to find out the amount you can borrow to start shopping. You can present your preapproval to the dealership or inform them of your desire to borrow with WECU. Dealerships can also access the preapproval loan details through the Credit Union Direct Lending (CUDL) system.

How do I apply for an auto loan?

Once you have been pre-approved, you can choose to have your credit pulled and move forward with an auto loan application. There is no fee to apply.

When applying for an Auto Loan, you will need the following:

  • Driver’s license
  • Employment information
  • Housing information
  • Amount expected to finance
  • Term desired

And, if you’ve already picked out the vehicle you wish to buy, you’ll also need:

  • 17-character vehicle identification number (VIN)
  • State where you’ll register the vehicle
  • Exact mileage reading
  • Dealer or seller’s name

You can also apply over the phone at 800-525-8703 or at a branch.

Let's Talk It Over

We’re here to help. Give us a call, stop by a branch, or start a chat today.

† Information contained in your credit report will be used to qualify you for an offer. An offer is not guaranteed. Loan approval is subject to verification of income, debt-to-income ratio, credit information, and application information needed to meet the minimum requirements established for the offer.

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