Auto Loans
90 Days of NO PAYMENTS
Get behind a new set of wheels and contribute to the community this holiday season. Each auto loan closed SWACU will donate a $100 to the charity of your choice!
- Salvation Army
- Feeding America
- Canine Companions
- Red Cross
RATES as low as 4.24% APR* for 36 months
or 4.74% APR* for 60 months
*APR = Annual Percentage Rate subject to change without notice. Subject to credit approval, membership eligibility and loan policies. Some restrictions apply. A minimum loan amount of $5,000 and excludes existing SWACU auto, motorcycle, boat, recreational vehicle, and airplane loans. Offer ends 12/31/24. Payment example: 36 monthly payments of $1,481.54 for a $50,000 loan at 4.24% APR Ex: 60 monthly payments of $937.62 for a $50,000 loan at 4.74% APR.
SWACU offers 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.
Our auto loan experts can help you get pre-approved and take the stress out of your next car or truck purchase!
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 Texas, Arizona, and Georgia. See them all on our interactive Map*. (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 Nov 2024 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 Texas, Arizona and Georgia dealerships only, but soon will become Nationwide! Stay Tuned!
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.
