Unbelievably Low Rates
New Auto Loans
Used Auto Loans
Spring Auto Loan Special
This spring, upgrading your vehicle is easier and more affordable than ever. From March through June, Express Credit Union is offering a special auto loan promotion to help you keep more money in your pocket while getting the transportation you need.
Promotion Benefits
- Get up to $250* in cash back after financing your loan
- No payments for the first 90 days
Enjoy three full months before your first auto loan payment is due.
Whether you're buying your next car, upgrading your current one, or getting ready for summer travel, Express CU is here to help you save.
Start your application in minutes and know your budget before you shop.
Fast approval. Fair rates. Local service.
*Approval is subject to underwriting guidelines. Members who secure a qualified new or used Auto Loan and have their financing disbursed between March 16, 2026 and June 16, 2026 will enjoy a 90-day payment deferral and 1% cash back up to $250 based on the loan amount. Excludes existing loans at Express Credit Union. Not available through indirect lending channel. Interest will accrue during the 90-day deferment period. When payments begin, the entire monthly payment will be applied to interest until all accrued interest is paid. Your principal balance will not begin to reduce until all accrued interest is paid. Those participating may receive Form 1099-MISC at year-end for tax purposes. No other offers or discounts apply. Offer is subject to change at any time without notice.
Auto Loans For All
At Express CU, you are so much more than numbers on a page.
We pride ourselves on meeting you where you’re at. We work tirelessly to ensure that anyone from any background can realize their dream of car ownership.
When you choose an Express CU auto loan, our experienced support staff will help you every step of the way so you can drive toward your future.
ITIN or SSN
Apply in Person or Online
English or Español
Limited or No Credit
For All Vehicles
Applying Is Simple
Fill out an application online, in-person, or give us a call
Go shopping! Take your pre-approval letter with you.
Give your pre-approval letter to the seller. We will take care of the rest!
What You'll Need
When you apply for an ECU auto loan, have the following ready:
- Your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
- Proof of income
- Your most recent pay stub (with YTD gross income)
- or - - If self-employed, two years completed tax returns
- Your most recent pay stub (with YTD gross income)
- The amount you’d like to finance
TIP: Use our Loan Calculator to estimate what you can afford - Your monthly rent or mortgage payment
- Your Driver's License
How To Apply
We strive to make the application process simple and accessible. Start your application online using the link below, or visit our branch to apply in person.
If you need assistance, we’re happy to help. Translators are available on-site or by phone to guide you through the process in your preferred language.
Contact us at loans@expresscu.org or 206-622-1850 to discuss further options with a friendly ECU member service representative.
After You Apply
Once we’ve received your application and verified your documents, we’ll review your eligibility and determine your loan amount and rate. [Expect a response within 1–3 business days. You’ll be notified by phone, email, or mail].
Qualified applicants will receive a pre-approval letter that can be presented to a dealership to complete the purchase.
Private seller? No problem! Learn more about purchasing from a private seller.
Making Payments
After your purchase, talk to us to set up automatic electronic payments. This is a free and convenient way to ensure that you don’t miss a payment and continue to build your credit worry-free!
Protect Your Loan
Guaranteed Asset Protection (GAP) - Vehicles can depreciate in value quickly--sometimes quicker than you can pay off the loan. This could leave you on the hook financially if your new vehicle is totaled or stolen and not recovered. Ensure you are covered by signing up for GAP.
Be sure to ask about GAP when you apply for your Auto Loan with Express, to learn how this coverage can protect you and your family.
Extended Car Warranty Coverage - The Route 66 Extended Warranty, available through Express Credit Union, helps protect you from unexpected repair costs once your manufacturer’s warranty expires. Even the most reliable vehicles can experience mechanical breakdowns—this coverage helps keep you protected on the road and your finances on track.
Extended Warranty Benefits Include:
- Nationwide coverage anywhere you travel in the United States
- Zero deductible on covered parts and labor
- 24/7 emergency roadside assistance, including towing, flat tire help, jump starts, lock-out service, and minor adjustments
- Rental car allowance during covered repairs
- Trip interruption coverage for added peace of mind
- 30-day money-back guarantee
- Transferable coverage, increasing your vehicle’s resale value
- Direct claim payments made quickly to repair facilities
Depending on the plan selected, the Route 66 Extended Warranty covers a wide range of major vehicle components—including engine, transmission, drivetrain, electrical, cooling, steering, air conditioning, and more.
Ask about the Route 66 Extended Warranty when you apply for your Express Credit Union auto loan, and drive confidently knowing you’re protected against major mechanical repair expenses.
Maintenance Benefits - Designed to provide you with an easy and convenient way to keep your vehicle well-maintained and you in the driver’s seat. From day one, utilize your maintenance benefits at the auto repair facility of your choice and keep your car running in tip-top shape.
Payment Protection - This covers payments in case of death, involuntary unemployment, disability or terminal illness. Learn more about Payment Protection.
Ask us about these options when you finance your loan.
Auto Loan Refinancing
Is your monthly payment too high? On average Express Credit Union has been able to lower monthly payments by $150 on refinanced auto loans!
What you'll get
Lower Payment
Simple Application Process
Easy electronic payments
What you'll need
Car Registration
Most Recent Pay Stub
10 Day Pay-Off & Address Information
Auto Loan Calculator
For All Vehicles
Boat
Loans
RV
Loans
Motorcycle Loans
FAQ
Can someone help me qualify?
Yes! A qualified co-borrower or co-signer can apply with you to help strengthen the application and improve your chances of approval.
Can I help my child purchase their first vehicle?
Yes! You can help by applying together as a joint borrower, which may qualify them for a better rate and provide guidance through the buying process. After 12 months of payment history, they can refinance the loan into their own name once they’re able to qualify on their own.
Can I purchase from a private seller?
Yes! When purchasing from a private seller, we will work with you and the seller to verify vehicle details, confirm ownership, and handle payment and title requirements before the sale is completed.
Can I use my auto loan as collateral?
Yes! You can use your vehicle’s title as collateral for a loan, through our title loan program.
What does loan to value mean?
Loan-to-value (LTV) compares the amount you’re borrowing to the vehicle’s value. A lower LTV generally means less risk and can help you qualify for better loan terms.
Can I finance an older vehicle?
Yes! We offer a “Not Quite Classic” auto loan program for vehicles 12–25 years old with up to 250,000 miles. Loan terms depend on your credit and repayment ability, and you can also use an owned vehicle that fits these criteria as collateral for other expenses.