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Car and truck.
Car and truck.
Car and truck.

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.

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 96 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.

Loan payment estimate.

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.

Private-party sales.

For more information about private-party sales visit the Washington DOL or Idaho DOL.


*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. 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.