APR effective 09/19/2025
Buying a new car? We can help.
Whether you’re buying new, used or refinancing, our auto loans make it easy.
With an STCU auto loan, you’ll hit the road with confidence. Whether you’re looking for a car to take on an AWD adventure or one where you can easily control the road trip tunes, we’ve got flexible terms and competitive rates to get you moving.
Get preapproved for something fun.
Shopping for a car is more exciting when you know your budget. With auto loan preapproval, you’ll shop like a cash buyer, confident in what you can spend. Apply online, by phone, or at any STCU branch to lock in your buying power.
Why choose an STCU auto loan?
- Loans up to 96 months.
- No down payment for most vehicles.
- Up to 100% financing available. *
- Loan discounts when you also have an STCU credit card. *
- Apply at the dealership. You can ask for STCU financing from the showroom.
Loan payment estimate.
Estimate your fixed monthly payment with our auto loan calculator.
Find your paymentRefinance to lower your payment.
Why pay more for your vehicle? Ask us about refinancing your car, truck, or SUV loan from another lender and we'll do our best to reduce your monthly payment.
Contact us from 7:30 a.m. to 6 p.m. weekdays at (509) 326-1954 or visit any STCU branch location. After-hours calls are welcome!
Hear us out: What if your loans paid you?
1% cash it back — up to $500 per loan! Get cash back when you refinance your "non-STCU" auto, truck, boat, or RV.
Learn moreStill in the research phase? Great! The more information you have the better. Check out our Money Blogs to learn more about the advantages of getting pre-approved or if refinancing is right for you.
Loan services
Loan payment options.
We offer several ways to pay your STCU auto loan.
Payment Protection.
Get debt protection for life’s unexpected moments.
Proof of insurance.
Learn more about how to provide proof of insurance.
Private-party sales.
For more information, visit the Washinton DOL, Idaho DOL, or Oregon DOL.
disclosures
*APR = Annual percentage rate, which applies to the purchase of vehicles seven model years old and newer, with terms of 72 months or less. Other rates and terms may apply, depending on the model year and your creditworthiness.
STCU rates assume the primary borrower gets a 0.25% discount for having an STCU credit card in good standing. Payments are based on the contract rate before discounts. 100% financing available to qualified borrowers only. All loans are subject to approval. Rates subject to change. View all terms, rates, and find payment examples.
Proof of insurance is required with every STCU vehicle loan. Visit support to learn more.
