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Auto Loans

Get an Auto Loan from Sound

Great rates for any car – new, used, fueled or electric.

Auto Loans in Washington. Adventure Awaits!

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Fast Pre-Approvals

Get pre-approved for an auto loan in minutes.

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Competitive Rates

Get a fair rate on your vehicle and a 0.25% rate discount with auto pay from a Sound checking account.

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EV Discounts

Receive an additional 0.25% off your rate when financing a qualifying electric or hybrid vehicle.

Hit the Road to Payoff Point and Win Big!

We’re paying off a car loan and it could be yours! If you finance, or refinance, your car, truck or SUV with us by December 31, you will automatically be entered into a drawing to win a loan payoff up to $40,000!

For details on the Payoff Point rules, click here.

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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%

A women standing happily outside of her car.

Refi your auto loan. Get 2% cash back!

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


Instant Prequal

Curious what you’ll qualify for? Get prequalified without impacting your credit.

Learn More and Get Started

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.

Henry Y.
Lynnwood, WA

Get Moving on Your Auto Loan

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Build financial know-how on the road of life.

Auto Loan Calculator

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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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.