Unbelievably Low Rates
New Auto Loans
Used Auto Loans
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!
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
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.