Auto Loans

Auto Loans

Low rates and flexible terms

If you are buying or refinancing a car, truck, SUV, or van, we offer low rates and flexible terms to help keep your payments affordable.

• Competitive rates
• Financing up to 125%
• Terms up to 84 months for new and used vehicles
• No loan fees
• 90-day No Payment Plan**
• Add Guaranteed Asset Protection (GAP) Advantage with PowerBuy^TM to your auto loan
• Add Major Mechanical Protection (MMP) insurance to your auto loan

Calculate payment

Use our loan calculators to find out what your repayments might be in a few clicks.

Get pre-approved

Get pre-approved before you set foot in a dealer’s lot. Plus, the 30–day approval lock gives you plenty of time to find the vehicle that best fits your life.

Avoid the haggling

For many of us, the process of shopping for and purchasing a vehicle is more stressful than getting married! So say “I do” to Auto Link, Auto Mentors, or Enterprise Car Sales, our car buying services that let you research, price compare, and even virtually test drive your dream car – from the comfort of your own couch.

Auto Link

Shop online, on your time and enjoy negotiation-free guaranteed savings.

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Enterprise Car

A variety of used makes and models
at great prices.

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Auto Mentors

Personal auto shoppers help you buy the car you want with no haggling or stress.

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Protect your vehicle loan

Life happens. Unexpected damage and costly repairs to your vehicle can have a serious impact on your finances. Get a step ahead of life’s surprises by covering your vehicle with GAP Advantage with PowerBuy^TM and Major Mechanical Protection.

Guaranteed Asset Protection (GAP) Advantage with PowerBuy

Accidents happen. Get the coverage you need to protect your investment.

If your vehicle is declared a total loss after an accident or theft, it’s likely your insurance will fall short covering the full balance of your auto loan. This leaves you to pay off the remaining loan balance on a vehicle you can no longer drive—fortunately, we can help.

GAP Advantage with PowerBuy can pay up to the remaining balance of your auto loan after an insurance payout, protecting you from financial loss. Unlike traditional GAP, this program has the added benefit of providing you with a set allowance toward financing a replacement vehicle with us—getting you back on the road!

Give yourself peace of mind with coverage that will protect your vehicle investment. Speak to one of our representatives to find out how you can add GAP Advantage with PowerBuy to your next or existing auto loan.

Call our loan officers at (503) 215-6090 or toll-free at (888) 849-5189 for complete details. Protect yourself from the unexpected.

Major Mechanical Protection (MPP)

Drive further with MMP

Vehicle repairs can be expensive – even the smallest repair can cost hundreds, even thousands, of dollars. While most new vehicles are covered by a manufacturer’s warranty, that coverage won’t last forever, and most used vehicles aren’t covered by any type of warranty. Major Mechanical Protection (MMP) can help cover the expenses of unexpected vehicle repairs and protect your budget from high out-of-pocket expenses. Even the most dependable vehicles can experience significant repair costs.

MMP Coverage* Features and Benefits:

• Affordable coverage that can usually be added to your loan, with low monthly payments: Choose a term, mileage limit, and deductible that fits your budget
• Can be used at most licensed repair facilities
• Fully transferable to a new owner if you sell your car
• May increase resale value of your vehicle by helping you keep your vehicle in top condition
• Safety and convenience while on the road:  24-hour roadside assistance; Rental car reimbursement; Trip interruption reimbursement; Lost key, lockout, and emergency tire repair

By adding MMP, you can gain peace of mind knowing you’re protected for the road ahead.

Please contact our loan department at (503) 215-6090 or toll-free at (888) 849-5189 for details.

*Your purchase of a Major Mechanical Protection contract is optional. Plans are available for most new and used domestic and imported vehicles. Speak to your service representative for vehicle eligibility criteria and more details. Major Mechanical Protection is considered insurance coverage in some states. © 2019 SWBC. All rights reserved. 9040-409 rev0914

*APR (ANNUAL PERCENTAGE RATE). The Credit Union offers various fixed rate loans listed in the Loan Rate Schedule, provided to you upon request. Rates are effective as of . All rates and terms are determined by Board of Directors and are subject to change without notice. Rates may vary depending on the term, loan-to-value, age of collateral, and your credit. All loans are subject to credit approval.

**Interest begins accruing upon disbursal of loan. Deferred payment available upon credit approval.