Auto Loans
New, Used or Refinance
Auto Loans
Auto Loans
Drive your dream car today with SafeAmerica's low rate affordable auto loans.
The process is quick and easy.
- Choose from new, used or refinance
- Receive 0.25% rate discount with automatic payments
- Flexible terms from 24 -84 months
- Up to 125% financing including tax, license and mechanical breakdown protection
- Purchase from a dealer, private party or buy out a lease
- Receive SafeAmerica financing right at the dealership, with CUDL (Credit Union Direct Lending). Just tell your dealer you want to finance with SafeAmerica Credit Union.
Auto Loans
New, used, or refinance
- Pre-Approvals for New/Used Autos
- Competitive Rates & Flexible Terms
- Payment Calculator »
- Online Banking
- Mobile Banking
Find a Vehicle
Find a Dealer
Get a SafeAmerica Credit Union auto loan right at the dealership without visiting a branch. Our auto loans are available right at these local new/used dealerships.
Find a Car
Find the car of your dreams on our free AutoSMART website. Browse inventory of over 100 auto dealers to find a new or used vehicle.
Preferred Dealer Spotlight
Our dealer partners provide our members with on-the-spot financing right at the dealership. When you're in the market for a new or used car shop at one of these dealers and save.
Optional Benefits
Skip-A-Pay
Allows you to skip up to two payments per calendar year, with fee per loan skipped (with approval)
Auto Insurance
Affordable top-quality protection, discounted rates, online convenience, and 24/7 claims service
GAP & Mechanical Breakdown Protection
Protection against out-of-pocket costs when your car has an unexpected mechanical failure or is totaled
CARFAX® Report
Vehicle history reports that checks for accidents and service, title problems and ownership history
Resources
Refinancing
Save money by refinancing your existing auto loan from another financial institution
Calculators
Use our car payment calculator to figure out how much your auto loan might cost.
Vehicle Release Information
Remove our lien from the vehicle title once loan is paid in full
Provide Proof of Insurance
Provide us a copy of your Insurance Binder and/or Policy as required for your auto loan. Mail to SafeAmerica Credit Union, Controlled #270, PO Box 58610, Tukwila, WA 98138. You can also submit online at myinsuranceinfo.com or call (800) 998-0763.
Rates
| Auto Loan Rates Rates as of 11-1-24 | ||
|---|---|---|
| Term | Best APR1 New (2023 or newer) | Best APR1 Used (2017 or newer) |
| 24 months | 5.49% | 5.69% |
| 36 months | 5.49% | 5.69% |
| 48 months | 5.49% | 5.69% |
| 60 months | 5.49% | 5.69% |
| 66 months | 5.49% | 5.69% |
| 72 months | 5.99% | 6.19% |
| 84 months | 6.24% | 6.44% |
| 96 months* | 9.24% | 9.44% |
1 APR (Annual Percentage Rate) is the best available and subject to change without notice; includes a 0.25% discount when you set up automatic payment at time of loan origination; rate may be higher depending on factors such as creditworthiness, age or value of the vehicle, LTV, amount financed and terms and conditions. Rates for approved applicants will be disclosed in writing before applicant becomes obligated. Payment sample: $18.00 per month per $1,000 borrowed for 66 months at 5.74%. New rates are for vehicles with less than 10,000 miles. Discount may be revoked if requirements are not met. Existing SafeAmerica auto loans are not eligible for refinance. Loans require SafeAmerica membership. All loans subject to credit approval.
*Minimum loan amount for 96 month term is $30,000. Tier 1 credit qualification only and a 730 FICO score.
| Older Used Autos & Trucks 2016 and older. Rates as of 11-1-24 | |
|---|---|
| Term | APR1 |
| 36 months | 8.49% |
| 48 months | 9.49% |
| 60 months | 10.49% |
1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.
| RV Loan Rates Rates as of 11-1-24 | ||||
|---|---|---|---|---|
| Term | Mileage (max.) | Amount (max.) | Best APR1 New | Best APR1 Used |
| 60 months | 100,000 miles | $150,000 | 7.74% | 8.74% |
| 72 months | 100,000 miles | $150,000 | 8.74% | 9.74% |
| 84 months | 100,000 miles | $150,000 | 9.74% | 10.74% |
| 120 months | 100,000 miles | $150,000 | 10.74% | 11.74% |
1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.
| Motorcycle Loan Rates Rates as of 11-1-24 | ||||
|---|---|---|---|---|
| Term | Mileage (max.) | Amount (max.) | Best APR1 New | Best APR1 Used |
| 48 months | 100,000 miles | $50,000 | 6.74% | 7.74% |
| 60 months | 100,000 miles | $50,000 | 7.74% | 8.74% |
| 72 months | 100,000 miles | $50,000 | 8.74% | 9.74% |
| 84 months | 100,000 miles | $50,000 | 9.74% | 10.74% |
1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.
| Boat Loan Rates Rates as of 11-1-24 | |||
|---|---|---|---|
| Term | Amount (max.) | Best APR1 New | Best APR1 Used |
| 48 months | $75,000 | 10.74% | 10.74% |
| 60 months | $75,000 | 10.74% | 10.74% |
| 72 months | $75,000 | 10.99% | 10.99% |
| 84 months | $75,000 | 11.24% | 11.24% |
1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.
RV Loans
New & Used Recreational Vehicle Loans
Recreational vehicles include Van Conversions and Motor Homes. SafeAmerica will finance, including tax and license fees, up to 100% of the MSRP on your new RV or up to 100% of the Kelley Blue Book retail value on your used RV (up to 6 calendar year old models).
Rates
| RV Loan Rates Rates as of 11-1-24 | ||||
|---|---|---|---|---|
| Term | Mileage (max.) | Amount (max.) | Best APR1 New | Best APR1 Used |
| 60 months | 100,000 miles | $150,000 | 7.74% | 8.74% |
| 72 months | 100,000 miles | $150,000 | 8.74% | 9.74% |
| 84 months | 100,000 miles | $150,000 | 9.74% | 10.74% |
| 120 months | 100,000 miles | $150,000 | 10.74% | 11.74% |
1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.
Apply for an RV loan
- No annual fee
- No application fee
- No prepayment penalty
Boat Loans
New & Used Boat Loans
SafeAmerica will finance, including tax and license fees, up to 100% of the MSRP on your new boat or up to 100% of the Kelley Blue Book retail value on your used boat (up to 6 calendar year old models). Financing must also include the trailer.
Rates
| Boat Loan Rates Rates as of 11-1-24 | |||
|---|---|---|---|
| Term | Amount (max.) | Best APR1 New | Best APR1 Used |
| 48 months | $75,000 | 10.74% | 10.74% |
| 60 months | $75,000 | 10.74% | 10.74% |
| 72 months | $75,000 | 10.99% | 10.99% |
| 84 months | $75,000 | 11.24% | 11.24% |
1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.
Apply for a Boat loan
- No annual fee
- No application fee
- No prepayment penalty
Motorcycle Loans
New & Used Motorcycle Loans
SafeAmerica will finance, including tax and license fees, up to 100% of the MSRP on your new motorcycle or up to 100% of the Kelley Blue Book retail value on your used motorcycle (up to 6 calendar year old models).
Rates
| Motorcycle Loan Rates Rates as of 11-1-24 | ||||
|---|---|---|---|---|
| Term | Mileage (max.) | Amount (max.) | Best APR1 New | Best APR1 Used |
| 48 months | 100,000 miles | $50,000 | 6.74% | 7.74% |
| 60 months | 100,000 miles | $50,000 | 7.74% | 8.74% |
| 72 months | 100,000 miles | $50,000 | 8.74% | 9.74% |
| 84 months | 100,000 miles | $50,000 | 9.74% | 10.74% |
1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.
Apply for a Motorcycle loan
- No annual fee
- No application fee
- No prepayment penalty
