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Auto loans

Our cars and trucks are more than just a way of getting from Point A to B...they provide freedom. The freedom to move, explore and get things done.

From towing and hauling to vacationing and commuting, our vehicles are vital to our lives. When you're ready for your next set of wheels, connect with us to find the loan options you need. With generous terms and competitive rates, we'll get you on the road in no time.

Apply for preapproval before you shop for your new car, truck or SUV to save time and feel confident knowing how much you can afford. It only takes a few minutes and the application can be done online.

 

Featured Rate

Rates accurate as of December 01, 2021
APR as low as*
3.22%
Term
48 months
Payment per $1,000
$22

Get a great deal on your auto loan

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Purchase or refinance

Purchase through a dealer or let us help refinance your current loan, including cash-out options.

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New or used

Whether it's new or "new to you," we offer the loan options you need to get you moving.

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Easy on the wallet

Competitive rates, generous terms and no loan setup or early pay-off fees

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Many types of vehicles

We finance cars, trucks, SUVs, mini vans, motorcycles and even classic cars.

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Light on paperwork. Big on service.

We believe that buying a car, truck, or SUV should be as easy as a Sunday drive along a country road. That’s why we process your loan with as little paperwork as possible. Here are a few easy steps that will get you into your new (or new-to-you) vehicle.

  • Step 1: Apply. Complete a loan application online, by phone, or at your favorite location. You can also apply for pre-approval for an auto loan before you shop.
  • Step 2: Value. For new vehicles, we use the dealer’s MSRP as the vehicle’s value. For used vehicles, we’ll complete the value using the NADA (National Automobile Dealers Association) or Kelley Blue Book used car guides.
  • Step 3: Sign and drive. After you've been approved and found your vehicle, sign on the dotted line at the dealership and hit the road in your new ride.

Shop with confidence

Get preapproved for an auto loan before you shop for your new car, truck or SUV. This can give you leverage when you are negotiating at the dealership. Plus, it can help you avoid snap financing decisions or feeling pressured to buy "add-ons." Getting preapproved lets you know how much you can afford and anticipate what your monthly payment will be.

You can get preapproved in advance of shopping or you can get preapproved onsite with one of our partner dealerships. Solarity works with auto dealerships in Washington through our Dealership Partner Program. Visit a participating dealership and ask for financing through Solarity Credit Union. With the same great rates and terms, it's easy to get financed and drive away—all in a single visit to the dealer. If you’ve been preapproved with Solarity, simply let the dealer know and you'll be good to go.

Advantages of getting preapproved

  1. Know your price range in advance to avoid overspending
  2. Understand your loan options--such as rate, term and payment--ahead of time
  3. Leverage your preapproval to negotiate as a "cash" buyer
  4. Side-step financing games, tactics and last-minute "add-on"

"We have two auto loans with Solarity. From the inception of each, the interactions went extremely smoothly, and the staff was helpful and knowledgeable."

-Thomas J., member since 2005

"I have been with Solarity for more than twenty years and have always been very happy with the service and support I have received. From vehicle loans to handling my mortgage, I have always experienced exceptional service."

-Mitchel G., member since 1996

Get moving with an auto loan from Solarity

You have options when it comes to financing your new car, truck or SUV. Work directly with the dealer or get preapproved in advance. Either way, it's as easy as apply, sign and drive!

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Online

Applying online is simple and our experts are standing by if you have any questions.

Get preapproved
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Call

Ready to talk to someone right now? We're ready to talk to you, too! Call 800.347.9222.

Make the call
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Chat

Feeling chatty? Click the blue "Chat" button in the lower right corner to get the conversation started.

 

Common questions about consumer loans

Solarity does not offer private party loans on vehicles, motor homes, travel trailers, campers, fifth wheels, boats and jet skis.

A personal loan is an alternative to the private party loan that you can apply for with Solarity. If you would like more information about personal loans, please contact us at 800.347.9222 option 6 or through our online chat. Apply for a personal loan here.

We do offer vehicle loans and you can learn more here.

After the final payment on a loan is paid, we release our lien. The the Washington State Department of Licensing then processes a paper title, which can take 4-6 weeks to be received.

If it is registered outside of Washington state, the title will be mailed to Solarity Credit Union, and we will mail it to the address on file. That process also has a 4-6 week timeframe.

News, articles and member spotlights

Can auto loans be refinanced?

Any time you’re looking to put some money back in your monthly budget, refinancing your auto loan can be a great place to start.

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*All loans are subject to credit approval. Not all applicants will qualify for a loan or the lowest rate shown. Special terms and conditions may apply. Annual Percentage Rate (APR) accurate as of date shown and subject to change. Add 1.00% to rate shown for vehicles over 100,000 miles (150,000 miles for diesels). Minimum loan amount is $2,500.