Auto Loans
LOVE AT FIRST DRIVE
This spring, it's a perfect match.
Some connections are instant. This spring, fall hard for a great rate and 90 days of no payments on auto loans. It's not just a crush. It's the real deal. Apply today
- SWACU offers financing for both new and used vehicles, and even 100% financing
for new vehicles up to 72 months. - Don’t walk into the dealership guessing—know your buying power before you shop with our quick and
easy preapproval process. - Already cruising in a car you love?
Refinance with us and score a lower rate and payment—without giving up your favorite wheels.
Our auto loan experts can help you get pre-approved and take the stress out of your next car or truck purchase!
*APR=Annual Percentage Rate. Rates may change without notice. Subject to credit approval and loan policies. Membership required to participate. Some restrictions may apply. Promotion applies to new and used auto loans and auto loans refinanced from another lender only. Excludes existing SWACU loans, real estate, motorcycles, and recreational vehicle loans. Rates vary by creditworthiness. vehicle age/type, and loan term. Not all applicants will qualify for the lowest rate. Pmt. Ex: 36 monthly payments of $1,474.87 for a $50,000 loan at 3.94% APR Finance charges begin accruing as of the loan disbursement. Visit swacu.org for details. Offer valid 3/2/26 - 5/29/26. Insured by NCUA.
NEW! Close on your auto loan at the dealership! MAP IT!
Use a SWACU preferred dealership and complete your purchase on site.
Save even more time and get preapproved before you go.
- 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 in Arizona, Colorado, Florida, Georgia, Illinois, Maryland, Missouri, Nevada, New Mexico, Oklahoma, Tennessee, and Texas. See them all on our interactive Map*.
- 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 November 2025 and may be subject to change. We encourage you to verify the address via phone before you visit the location. This service is currently for select Arizona, Colorado, Florida, Georgia, Illinois, Maryland, Missouri, Nevada, New Mexico, Oklahoma, Tennessee, and Texas dealerships only. Membership required to participate.
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
- Loan Protection
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.
