#car loan rate
Enjoy all of the great STCU benefits:
- Affordable payments. Terms up to 84 months on autos and trucks; longer on RVs.
- No down payment needed. We offer 100% financing, including tax and license, for most new and used vehicles on approved credit for qualified borrowers.
- Loan discount with automatic payment. Set up automatic loan payments from your STCU checking or savings account and receive a 0.25% annual percentage rate discount! The discount applies at the time of the loan origination.
- Loan discount with your STCU credit card. Receive an additional discount on your loan when you own an STCU credit card in good standing.
- Preapproved loans. Get pre-approved for your auto loan before you start shopping. Pre-approval gives you the confidence of a cash buyer, because you know that your purchase — up to your pre-approved amount — will be backed with STCU financing.
- Protection against mechanical breakdown. Protect against the high costs of auto repairs with Members Choice mechanical repair coverage (MRC).
STCU loan officers are available at any of our branch locations during business hours. Or call our Lending Center 7:30 a.m. until 6 p.m. weekdays at (509) 326-1954 (select the “loan option” to direct your call to our Lending Center.) We welcome your after-hours calls!
Why this deal is too good to pass
*APR=annual percentage rate. The 2.24% APR applies to purchase only of 2008-2016 model year vehicles, with terms of 78 months or less. Other rates and terms may apply depending on the model year you purchase and your creditworthiness. Other STCU auto loan rates assume the primary borrower gets a .25% discount for setting up automatic payment from an active STCU account, and a .25% discount for owning an STCU credit card in good standing. Your payments are based on the contract rate before discounts. STCU rates shown are effective September 8, 2015, and are subject to change. Fastest way to get started? Apply online !