Auto Loans

We'll get you pre-approved to make dealer negotiation a snap or you can even get WECU financing right at the dealership.

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Auto Loan Rates

AS LOW AS 2.49% apr*
*Annual Percentage Rate
Limited Time Offer

Refinance your Auto Loan and get paid up to $500!**

Bring your auto loan to WECU by December 31, 2021, and you’ll get refi rates as low as 2.49% APR* and up to $500** back.

*APR = Annual Percentage Rate. Rates range from 2.49% – 19.99% APR, based on your credit history, term of the loan, amount being financed, and, if applicable, age of collateral. Loan amounts are based on JD Power NADA book prices or dealer invoices for new vehicles. Subject to credit qualifications, we will finance your auto loan refinance including tax, dealer options, warranty and protection products. Title transfer fees will be covered up to $88. Full coverage insurance required. For a 6 year auto loan of $20,000 at 2.49%, your monthly payment would be $299.66.

**1% cash back up to $500 rounded up to the nearest $5, on the total new loan amount. The minimum loan amount required to qualify for this promotion is $5,000. Offer applies to auto loans not already financed through WECU and is valid through December 31, 2021.

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. 

Get Pre-Approved at WECU

Visit us at a branch or apply online to zip through a free pre-approval process for an auto loan.

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 Auto Program

WECU has partnered with the Costco Auto Program to provide you with pre-arranged pricing through its network of hand-selected dealerships. Plus there are 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.

Let's Talk It Over

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