Apply for an Auto Loan in Olympia
New, used, fueled, or electric – Sound Credit Union auto loans in Olympia have great rates for any kind of car.
Adventure awaits with fast pre-approvals, competitive rates, green vehicle discounts, and more. When you apply for a Sound Credit Union auto loan in Olympia , you’ll experience the credit union difference with helpful tools, advice, service, and support. Conveniently located, we hope you’ll stop by to experience the difference today!
Fast Pre-Approvals
Get pre-approved for an auto loan in minutes.
Competitive Rates
Get a fair rate on your vehicle and a 0.25% rate discount with auto pay from a Sound checking account. View current rates.
Green Vehicle Discounts
Receive an additional 0.25% off your rate when financing a qualifying hybrid vehicle and an additional 0.25% rate discount with auto pay from a Sound checking account. View current rates.
Refi your auto loan. Get 2% cash back!
You’ll get a great rate, and 2% of the loan amount back in cash!
Equity Auto Loans
Use the equity you have in your automobile to get the cash you need. Sound can finance up to 150% of the value of your vehicle, if credit qualifies. That’s money you can use for debt consolidation, tax and title costs, or even a vacation—all at a fixed rate.
Find the car you want, close to home.
Search, shop & finance from home
Find your perfect car, SUV, RV, boat or personal watercraft from your own couch. AutoSMART lets you research vehicles, shop local dealers online, even apply for Sound financing in one spot.
Shop on-site at participating dealerships
Have a favorite dealer? Expect our PLUS Dealers to provide you with transparency, confidence and a stress-free car-buying experience.
Sound Credit Union refinanced my car loan when I had doubts anyone else would… I am a life time customer. Thank you Sound Credit Union!
Protect Your Auto Loan
Unexpected things happen. When they do, it’s nice to know you’re protected. Sound offers both GAP and Major Mechanical Breakdown on all our auto loans. So, if your vehicle is totaled, stolen or breaks down, you’ll be covered.
Auto Advantage Loan/Lease Alternative Program
Our auto loan alternative, the Auto Advantage program offers 30-40% lower payments and all the flexibility of leasing a car.
Back to top Get the Answers You Need About Auto Loans.
An auto loan is a loan that allows you to pay a vehicle off in set monthly installments rather than paying the full price upfront.
Sound Credit Union offers auto loans. Learn More »
Most car loans are available in 12-month increments, lasting between two and eight years.
Sound Credit Union offers auto loans. Learn More »
There are two types of loans – simple and precomputed. With a simple interest loan, your interest is calculated based on your loan balance on the day your car payment is due, so the amount of interest you pay each month changes. With precomputed interest, the interest is calculated at the start of your loan and based on your total loan amount.
Sound Credit Union offers auto loans. Learn More »
Ways to make your Loan Payment
It’s easy to make one-time payments or set up recurring payments.
Pay from a Sound Account
- Online – Log into your account and select Move Money > Make or Schedule a Transfer to transfer your one-time payment or set up recurring payments.
- Use Online, Mobile or Telephone Banking to make a one-time or recurring payment transfer.
- Contact us in the way that’s most convenient for you and we’ll transfer the payment for you.
Pay from another Financial Institution
- Online – Log into your Sound account and select:
- Move Money > External Transfers to transfer money from an account you have at another financial institution
- Payments > Pay from a Non-Sound Account to set up a payment using your debit card or an account at another financial institution.
- Mobile Deposit (check) – Download the Sound app and use Mobile Deposit to deposit a check into your savings or checking, then transfer the payment to your loan.
- Pay by ACH or Debit Card – Set up an expedited loan payment to your Sound credit card, vehicle, personal, home equity or Express Mortgage using your debit card or an account at another financial institution. (Fees apply. Maximum payment amount is $1,500)
- Set up automatic payments (ACH Payment) – Complete the ACH Debit Authorization form, allowing us to deduct your payment automatically each month from your chosen account.
Pay in Person (cash or check)
- Visit a Sound branch to make your payment by cash or check.
- Visit a CO-OP Shared Branching location to make your payment.
Pay by Mail
Please include the last four digits of your account number and the loan number on your check.
Sound Credit Union
PO Box 1595
Tacoma WA 98401
Pay a Sound Mortgage
- Online – Make payments online through the Mortgage Payment Center
- By Mail (check) – Send payments along with your monthly tear-off coupon to the address below:
Sound Credit Union
Attn: Payment Processing
PO Box 11733
Newark NJ 07101‐4733
While many Sound loans allow you to defer the usual monthly payment, not all loans are eligible for Skip-a-Pay.
Loans eligible for Skip-a-Pay
- Credit cards
- Vehicle loans
- Personal loans
Loans not eligible for Skip-a-Pay
- Real estate loans
- Certificate-secured loans
- Business loans
- Payday Freedom loans
- Balloon loans
- Modified or restructured loans
- Auto Advantage loans
Get Moving on Your Auto Loan
Disclosures
APR is Annual Percentage Rate. Your rate and term will be determined by individual creditworthiness. Verification of income may be required. Must be 18 years of age to qualify for loan. Rates are subject to change. Model year must be within the last 10 years to qualify for rates listed above. Older vehicles may qualify at a different rate and term. Qualifying hybrid vehicles are eligible for a 0.25% APR discount. The 0.25% APR discount is available on select consumer loans with auto pay set up from a qualifying Sound checking account. The prime borrower must be the prime or joint owner on the checking account. The discounted rate may revert to a non-promotional rate if the automatic payment is canceled at any time during the term of the loan.