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Auto Loans

Local Roads, Local Rewards

For a limited time, when you finance a new or used vehicle with SunWest Credit Union, we'll give you $250 cash back.* Our fast and easy application process puts you in the driver's seat, so you'll get a loan that you just can't beat. Enjoy perks like:
  • Low, competitive rates
  • Quick pre-approvals
  • Easy online application
  • Automatic payments

New and Used Auto Loans

Ready for your new ride? When you’re ready for your next vehicle, come see us first! We finance cars, trucks, RVs, and motorcycles with low rates and affordable monthly payments. Our quick and easy pre-approval process gives you a clear idea of your budget and strengthens your negotiating power at the dealership.

Benefits of Pre-Approval:

  • Understand how much you can borrow and get an idea of monthly payments
  • Find what range you can shop in
  • Save time and avoid paperwork at the dealership

If you’re looking to purchase or refinance a vehicle:

Apply Online

*All loans subject to approval. Cash-back offer available to well qualified borrowers. Offer not valid on current SunWest loans or on collateral securing an existing loan at SunWest. Not valid on loans processed through dealerships. Minimum loan amount of $15,000 and model years 2017 and newer. Recipient is responsible for any taxes in conjunction with payments. If member receives $2,000 or more in payments, a 1099-MISC will be issued. Offer expires August 31, 2026. 

Current Auto Loan Rates

 
Year
Loan Rate*
as low as
Auto 2023-2026
 4.99%  APR
Auto 2017-2022 5.49% APR
Auto 2016 & Older 5.99% APR

Auto Loan Rates - *based on 60 months
APR = Annual Percentage Rate
 

GAP Advantage

As vehicle prices continue to rise, many buyers are opting for longer loan terms and making smaller down payments. This combination can leave you owing more on your loan than your car is actually worth—especially in the early years of ownership. If your vehicle is ever totaled or stolen, your insurance may not cover the full loan balance, leaving you responsible for the remaining amount, known as the “gap.”

That’s where Guaranteed Asset Protection (GAP) comes in. GAP is a voluntary protection product that can help cover the difference between what your insurance pays and what you still owe on your loan. It’s designed to protect you from unexpected financial loss and give you peace of mind when the unexpected happens.

Fill the “GAP"

 

*GAP is subject to limitations and exclusions, including but not limited to a loan to value (LTV) maximum

1 Deductible waiver is available in most, but not all states. Please consult your financing representative for the availability of this benefit.

2 GAP Advantage is available in most, but not all states. Replacement vehicle must be financed with in a limited time from the date of loss. Please consult your financing representative for the availability and details of this benefit.

If you would like to pay for your loan from an outside bank or credit union, you can use the following methods:
 
  • Set up an automatic transfer from an outside bank using an ACH Origination form
  • Pay for your loan in one of our branches
  • Pay by mail
  • Pay by phone using a debit card or account number
  • Use the online payment center on our website ($5 fee)
    • Pay from a SunWest Account (click "Login" above)
    • Pay from another account




















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