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Apply for an Auto Loan in South Tacoma

Apply for an Auto Loan in South Tacoma

New, used, fueled, or electric – Sound Credit Union auto loans in South Tacoma 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 South Tacoma, 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

Mother and daughter sitting in the open trunk of their car with their dog, while son waves from a car window.

Refi your auto loan. Get 2% cash back!

You’ll get a great rate, and 2% of the loan amount back in cash!

Learn More

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.

Young male smiling by car Equity-Auto-Loan

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 Vehicles Online

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!”

Lisa E, Tacoma

Curious if Sound can save you money?

If you have an auto loan with a different lender, use our easy comparison tool to see if Sound can offer you a lower payment or more favorable terms. It’s one of our favorite things to do!

Auto Loan Comparison Tool »

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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.

See all our insurance options »

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.

Learn more about Auto Advantage »

Plan Your Trip

Location & Hours

Pacific Ave Branch
3633 Pacific Ave
Tacoma, WA 98418


Monday – Friday 9am – 6pm
Saturday 9am – 1pm

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 »

Whether you’re looking to make a one-time payment, or set up a recurring payment schedule for your loan or credit card payment, we have options for you.

Making payments from a Sound savings or checking account:

  • Use Online, Mobile or Telephone Banking to make a one-time payment transfer.
  • Recurring payments can also be pre-scheduled in Online Banking.
  • Contact us in the way that’s most convenient for you and we’ll transfer the payment for you.

If you’re paying from an account at another financial institution:

Payments 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

Making payments to your Sound mortgage:

  • Make payments online through the Mortgage Payment Center
  • 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