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 »
Credit Union Auto Loan Rates
New Autos
Refinance your auto loan to Sound. Get 2% cash back!
Term | APR Range* |
|---|---|
Vehicle must be model year 2021 or newer. | |
Term 0 - 36 months | APR Range* 5.74% - 18.00% |
Term 37 - 48 months | APR Range* 6.14% - 18.00% |
Term 49 - 60 months | APR Range* 6.44% - 18.00% |
Term 61 - 72 months | APR Range* 6.74% - 18.00% |
Term 73 - 84 months | APR Range* 7.04% - 18.00% |
Used Autos
Refinance your auto loan to Sound. Get 2% cash back!
Term | APR Range* |
|---|---|
Vehicles must be model year 2013-2020; add 2% for prior model years. | |
Term 0 - 36 months | APR Range* 5.74% - 18.00% |
Term 37 - 48 months | APR Range* 6.14% - 18.00% |
Term 49 - 60 months | APR Range* 6.44% - 18.00% |
Term 61 - 72 months | APR Range* 6.74% - 18.00% |
Term 73 - 84 months | APR Range* 7.04% - 18.00% |
Green Autos
Refinance your auto loan to Sound. Get 2% cash back!
Term | APR Range* |
|---|---|
Vehicle must be model year 2021 or newer. | |
Term 0 - 36 months | APR Range* 5.49% - 18.00% |
Term 37 - 48 months | APR Range* 5.89% - 18.00% |
Term 49 - 60 months | APR Range* 6.19% - 18.00% |
Term 61 - 72 months | APR Range* 6.49% - 18.00% |
Term 73 - 84 months | APR Range* 6.79% - 18.00% |
Motorcycles & Off-Road Vehicles
Term | APR Range* |
|---|---|
Vehicles must be model year 2013 or newer; add 2% for prior model years. | |
Term 0 - 60 months | APR Range* 5.74% - 16.89% |
Term 61 - 72 months | APR Range* 6.59% - 17.89% |
Term 73 - 84 months | APR Range* 6.84% - 18.00% |
RVs, Boats, Water & Snow Craft
Term | APR Range* |
|---|---|
Vehicle must be model year 2013 or newer. Add 2% for prior model years. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. | |
Term 0 - 84 months | APR Range* 5.99% - 17.14% |
Term 85 - 144 months | APR Range* 6.34% - 18.00% |
Term 145 - 180 months | APR Range* 7.34% - 9.89% |
Refi your auto loan. Get 2% cash back!
You’ll get a great rate, and 2% of the loan amount back in cash!
Learn MoreAuto Loans FAQs
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:
- Set up automatic payments. Complete the ACH Debit Authorization form, allowing us to deduct your payment automatically each month from your chosen account.
- Visit a Sound branch to make your payment by cash or check.
- Visit a CO-OP Shared Branching location to make your payment.
- Pay online by making an expedited* loan payment to your Sound Visa credit card, vehicle, personal, home equity, or Express Mortgage.*Maximum payment amount is $1500. Fees may be assessed.
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
