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

APR effective 07/17/2019

Apply now

View rates and terms

Get your motor running.

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

STCU will get you 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!

Payment Protection

Payment Protection is a voluntary debt protection program available from STCU. Depending on the package you select, it can cancel your eligible loan balance or monthly loan payment, up to the agreement maximum, in the event of loss of life, disability, or involuntary unemployment.

Learn more and enroll


Get more information related to your auto loan. You can also call (509) 326-1954 between 7:30am and 6pm weekdays.

Learn how to pay your loan.

Learn about proof of insurance.

Visit support


*APR = annual percentage rate, which applies to purchase of 2012-2020 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.