Get an Auto Loan
Fast and local financing
Why Choose Sound Credit Union?
Fast Prequalification
Get pre-qualified for an auto loan in less than 3 minutes without impacting your credit score.
Competitive Rates
Enjoy low rates and a 0.25% discount when you enroll in autopay with a Sound checking account.
EV Discounts
Receive an additional 0.25% off your rate when financing a qualifying electric or hybrid vehicle.
Determine Your Monthly Auto Loan Payment
Check Out Our Auto Rates
We offer competitive auto loans for new and used cars, fueled, electric, and hybrid cars, as well as vehicles such as motorcycles, RVs, boats, and more.
|
Term |
APR* Range |
|---|---|
|
Vehicle must be model year 2023 or newer. |
|
|
Term 0 – 36 months |
APR* Range 4.89% – 18.00% |
|
Term 37 – 48 months |
APR* Range 5.29% – 18.00% |
|
Term 49 – 60 months |
APR* Range 5.59% – 18.00% |
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Term 61 – 72 months |
APR* Range 5.89% – 18.00% |
|
Term 73 – 84 months |
APR* Range 6.19% – 18.00% |
|
Term |
APR Range* |
|---|---|
|
Vehicles must be model year 2015-2022; add 2% for prior model years. |
|
|
Term 0 – 36 months |
APR Range* 4.89% – 18.00% |
|
Term 37 – 48 months |
APR Range* 5.29% – 18.00% |
|
Term 49 – 60 months |
APR Range* 5.59% – 18.00% |
|
Term 61 – 72 months |
APR Range* 5.89% – 18.00% |
|
Term 73 – 84 months |
APR Range* 6.19% – 18.00% |
|
Term |
APR Range* |
|---|---|
|
Vehicle must be model year 2023 or newer. |
|
|
Term 0 – 36 months |
APR Range* 4.89% – 18.00% |
|
Term 37 -48 months |
APR Range* 5.29% – 18.00% |
|
Term 49 – 60 months |
APR Range* 5.59% – 18.00% |
|
Term 61 – 72 months |
APR Range* 5.89% – 18.00% |
|
Term 73 – 84 months |
APR Range* 6.19% – 18.00% |
|
Term |
APR Range* |
|---|---|
|
Vehicle must be model year 2015 or newer. Add 2% for prior model years. |
|
|
Term 0 – 84 months |
APR Range* 6.39% – 17.54% |
|
Term 85 – 144 months |
APR Range* 6.74% – 17.90% |
|
Term 145 – 180 months |
APR Range* 7.74% – 10.29% |
|
Term |
APR Range* |
|---|---|
|
Vehicles must be model year 2015 or newer; add 2% for prior model years. |
|
|
Term 0 – 60 months |
APR Range* 6.14% – 17.29% |
|
Term 61 – 72 months |
APR Range* 6.99% – 17.90% |
|
Term 73 – 84 months |
APR Range* 7.24% – 17.90% |
I want to thank Sound Credit Union and people at this branch for helping me get my new car. The process was fast and easy. The people at this branch were really nice and responsive. I would definitely recommend it.
Shop With Our Preferred Dealers
We have established relationships with dealers in your area so that you can get auto loan financing on the spot and have a stress-free shopping experience.
Get the answers you’re looking for
Read all FAQs
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.
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 personal auto loans.
Before sending, ensure your vehicle insurance policy includes
- “Sound Credit Union” is listed as LIENHOLDER/LOSS PAYEE, PO Box 691246, San Antonio, TX 78269-1246
- COMPREHENSIVE and COLLISION coverage on vehicle with deductibles not to exceed $1,000
- Collateral must match collateral on loan document
- Policy number, policy period and company name
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
If you want payment coupons, let us know and we can mail you some, but you actually don’t need them. Just add your account number to the memo area of your check and we’ll direct the payment to the correct account.
Titles will come from the State of Washington and typically arrive in four to six weeks.
You will first need to request your title from your local Department of Licensing (DOL). We will work directly with the out-of-state DOL to get the title registered with them.
Get Moving on Your Auto Loan
Build financial know-how on the road of life.
Auto Loan Calculator
Use this calculator to determine how much your monthly auto loan payment will be, based on vehicle price and loan information. Continue reading
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Here’s what to focus on when you’re buying a car, according to auto experts. Continue reading
When Buying a Used Car Privately, Beware of “Curbstoning”
A curbstoner often gets away with scamming buyers because he or she sells the vehicle and then disappears. Continue reading
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. 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.