X Sound CU App on Google Play Store Sound CU App on App Store VIEW VIEW

Equity Auto Loans

Leverage the equity in your car for low rate financing.

Consolidate debt, make a large purchase or even go on a vacation.

With established credit history and value in your car, you can benefit from low, fixed-rate financing for your borrowing needs.

Timer class=”wrapper”>

Fast Pre-Approvals

Get pre-approved for an Equity Auto Loan in minutes.

Percentage Down class=”wrapper”>

Competitive Rates

Get a great rates on your Equity Auto Loan + a 0.25% rate discount with auto pay from a Sound checking account.

Equity Auto Loans – Rates & Calculator

Do you have cash parked in your driveway? Borrow up to 145% of the value of your car for virtually anything.

New Auto Loans (2022 or newer)


APR* Range

Vehicle must be model year 2022 or newer.


0 – 36 months

APR* Range

5.89% – 18.00%


37 – 48 months

APR* Range

6.29% – 18.00%


49 – 60 months

APR* Range

6.59% – 18.00%


61 – 72 months

APR* Range

6.89% – 18.00%


73 – 84 months

APR* Range

7.19% – 18.00%

Get Moving on Your Auto Loan

Get started now
Apply online
Visit a local branch
Find a Branch
Call Us


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. Loan promotions cannot be combined with any other loan offer or discount. 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.