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Car and truck.
Car and truck.
Car and truck.
auto loan
As low as

APR effective 05/20/2020

Apply now

View rates and terms

Get your motor running.

Shopping for a new car?  STCU has a two-door loan with a six-speed manual transmission — and another with seating for eight.

1% cash is back!

Now through December 31, 2020, you could get 1% cash back, up to $500, when you refinance your non-STCU auto, truck, boat, or RV loan at the credit union. You might lower your rate, too!

Here's how

With an STCU auto loan, you'll get on the road, with great rates and terms to purchase your next new or newer model vehicle.

  • Loans up to 84 months.
  • No down payment for most vehicles.
  • 100% financing available.*
  • Loan discounts for having an STCU credit card.*
  • Ask your dealer for an STCU loan right from the showroom!

Get preapproved!

Apply to get preapproved for your auto loan before you start shopping. Preapproval gives you the confidence of a cash buyer when you know your credit union has preapproved your purchase up to a certain amount.

Estimate your fixed monthly payment with our auto loan calculator.

Find your payment

Refinance 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 the STCU Lending Center 7:30 a.m. to 6 p.m. weekdays at (509) 326-1954 or visit any STCU branch location. After-hours calls are welcome!

Loan services

Loan payment options.

We offer several ways to pay your STCU auto loan.

Payment Protection.

Debt protection from unexpected misfortune.

Proof of insurance.

Learn more about how to provide proof of insurance.

Extended hours.

For loan help, call (509) 326-1954 between 7:30am and 6pm weekdays.


*APR = annual percentage rate, which applies to purchase of - model year vehicles, 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. Rates subject to change. View vehicle loan rates

Proof of insurance is required with every STCU vehicle loan. Visit support to learn more.