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 that pushy car salesman.


New Auto Loans

  • Great low rates
  • Get pre-approval amount before shopping
  • Smooth, easy application process
  • Fast, local decision making
  • 100% 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.

GAP Insurance

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 $495, which can be rolled into your total loan amount.

Cars For A Cause

Auto Loan  Rates start as low as 2.74% APR


When you finance a new or used vehicle loan at SWACU, we’ll then donate $20 to one of the five selected charities of your choice.


*Offer ends 12/31/2018*

*Loan term is dependent upon amount financed. Finance amount must be $35,000 or more for 72-month financing.

**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 $357.07 for a $20,000 loan at 2.74%