Auto loans that put you in the driver’s seat.
As low as 4.99% APR*
At NW Plus CU we see you – the whole you. That’s why our auto lending pros work with you to design the term and payment plan that fits your needs. Whether you’re in the market for a new or used car or truck, or looking to refinance your current vehicle you’ll get superior, personalized service.
As a Juntos Avanzamos-accredited credit union, we are proud to offer auto loans and personal loans to ITIN (Individual Taxpayer Identification Number) holders.
New Car Rates
Applies to model year 2023 and newer:
| Financing | Lowest APR* | Highest APR* |
| Purchase & Refinance | 4.99% | 11.99% |
| Internal Refinance | 5.99% | 12.99% |
Used Car Rates
| Financing | Lowest APR* | Highest APR* |
| Purchase & Refinance | 5.24% | 12.24% |
| Internal Refinance | 6.24% | 13.24% |
*APR–Annual Percentage Rate. Rates subject to change without notice. Final rate determined on credit score and loan term.
Plus, NW Plus CU offers 0.25% off your qualified rate for EVs and hybrid vehicle loans – purchase or refinance. Set up automatic payments at closing to receive an additional 0.25% rate reduction.
Stop by one of our six branches or call 425.322.0018 to speak with one of our auto lending advisors or apply online today.
Frequently Asked Auto Loan Questions
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What information do I need to apply for a loan?
You will need:
- Legal name, date of birth and tax ID number (SSN or ITIN)
- Physical address and mailing address (if different than physical address)
- Income, including:
- Employer or source of income
- Length of employment and job title (if applicable)
- Monthly housing or living expense
How long will it take to approve my loan?
Usually we can make a decision on your loan within one business day. This can be sooner depending on method and time of application and if additional information is needed.
I don’t have a Social Security number. Can I apply for a car loan?
Yes. We believe everyone deserves financial success. Members with an ITIN are eligible to apply for checking accounts, savings accounts, auto loans and personal loans.
Is there a fee to apply?
No. NW Plus CU does not charge a fee to apply for a vehicle loan.
At what stage of the car-buying process should I apply for my loan?
Though you can wait until the very last minute to apply for a vehicle loan, your best bet is to visit NW Plus CU or call us before you even begin to shop. The application process will give you a clear idea of just how much you can afford. Pre-approval also gives you better bargaining power at the dealership. Ask your loan officer for more information about auto loan pre-approval.
Do I need to be a member to apply for a loan?
No, you don’t have to be a member to apply for a loan, but you do need to become a member to take out a loan. When you become a member, you will have access to all of the benefits available to NW Plus CU members including:
- Free Credit Sense credit score and credit report monitoring
- Free Rewards checking accounts that pay cash back or earn high dividends**
- Access to more than 5,000 credit union CO-OP shared branches and more than 30,000 CO-OP surcharge-free ATMs
- Access your Direct Deposit up to two days early with NW Plus CU Early Pay
- No cost Greenlight debit card and money app membership for families
- CARDS+ debit card management right in the palm of your hand
- Zelle built right into the NW Plus CU mobile app
- And more!
**When qualifications are met. Membership restrictions may apply. No minimum balance is required to earn rewards. A $25 minimum opening balance is required for Kasasa Cash Back and Kasasa Cash checking accounts. Rates and account features subject to change without notice. Fees may reduce earnings. There are no recurring monthly maintenance fees to open these accounts.See https://www.nwpluscu.com/KasasaCashBack for Kasasa Cash Back account details.
See https://www.nwpluscu.com/KasasaCash for Kasasa Cash account details.
Kasasa, Kasasa Cash Back and Kasasa Cash are trademarks of Kasasa, Ltd, registered in the U.S.A.
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