Auto Loans
When you're not flying high amongst the clouds, you need a reliable vehicle that can get you from point A to point B. SWACU can help with our low-rate auto loans.
We offer financing for both new and used vehicles, and even 100% financing for new vehicles up to 72 months. And before you hit the dealership, apply for a pre-approval online, giving you extra bargaining power with the dealership.
MEMBERS ONLY - Get on the road faster!
Enjoy the convenience of closing on your loan at a SWACU preferred dealership. Get preapproved or apply on site.
(This service is currently for Texas and Arizona dealerships only, but soon will become Nationwide! Stay Tuned!)
GET IT DONE!
- Apply: Fill out a loan application and get pre-approved. Get started
Don’t have time for preapproval, that’s okay, just let the dealer know your with SWACU and they will get your application started for you at the dealership. - Shop for your Car: Find your perfect car at a preferred dealer. Search here or check out our list of preferred dealerships in your area. *TEXAS *ARIZONA *GEORGIA (Stay tuned, more states added as we grow!)
- Drive Away: Seal the deal on your SWACU loan right at the dealership and off you go in your brand-new car! Enjoy the ride!
*Addresses on all preferred dealerships are current as of Jan 2024 and may be subject to change. We encourage you to verify the address via phone before you visit the location.
Questions?
If you have any questions, please don’t hesitate to contact us at 1 (800) 262-5325.
New Auto Loans
- Great low rates
- Get pre-approval amount before shopping
- Smooth, easy application process
- Fast, local decision making
- Financing up to 72 months available
- Option to payroll deduct your monthly payments
- Payment protection available
- GAP coverage available
- Extended warranty available on new vehicles
To search new car pricing, visit www.edmunds.com.
Used Auto Loans
The same great attributes we offer on our new vehicle loans apply to our used loans as well. Financing is available up to 60 months. Qualified members may finance up to the NADA value of the used vehicle, minus a possible deduction for excessive mileage and condition of the vehicle.
Buying or purchasing from a dealer requires a worksheet faxed from the dealer. Purchasing from an individual may require a visual inspection by a credit union designee. Up to 60 months financing is available on later model vehicles and financing amounts of $20,000 and greater.
To find used car and truck values, visit www.NADAguides.com.
Guaranteed Asset Protection is an optional coverage that can protect you when you need it most. If your vehicle is seriously damaged or stolen and your insurance company does not pay the entire balance, GAP may cover the rest.
You can sign up for GAP coverage for a one-time cost of $525, which can be rolled into your total loan amount.
*APR= Annual Percentage Rate.
**60-month used vehicle financing is available on later model vehicles with financing amounts of $20,000 or more.
Example Repayment Term: 60 monthly payments of $966.41for a $50,000 loan at 5.99% APR.
Loan term is dependent upon amount financed. Finance amount must be $35,000 or more for 72-month financing.
