AUTO LOANS
Auto Loans
AUTO LOANS
Auto loan rates as low as 5.49% APR.1
Downshift your payments with our affordable and flexible credit union auto loan rates! Conveniently finance new and used vehicles at any of our participating dealers, or directly with us. Apply for an auto loan today and drive away with financing that puts you in the driver’s seat of savings!
Affordable Financing for Every Adventure
Explore the open road, ride the waves, or hit the trails without stretching your budget with our low rates. In addition to our auto loans, we offer additional financing options to help you save. Refinance your current auto loan to get a better rate and term, or get a loan for a recreational vehicle to have exciting adventures in the great outdoors.
Auto Refinance
Take up to 1.25% APR2 off your existing rate when you refinance from another lender and set up automatic payments.
RV Loans
Explore exciting destinations with your own home on wheels! Finance an RV for up to 180 months and make lasting memories wherever you go.
Boat Loans
Experience the freedom of the open water! Chart a course toward boat ownership by financing a new or used boat for up to 180 months.
Motorcycle Loans
Kickstart epic adventures on the open road! Finance a new or used ride for up to 84 months and experience the freedom.
Sport Vehicle Loans
Finance your jet ski, ATV, or snowmobile for up to 84 months with budget-friendly payments and low rates. Your next adventure starts here!
Bicycle Loans
Borrow up to $10,000 to finance a bicycle, e-bike, or related biking equipment to go green on your daily commute or have fun exploring the trails.
AUTO LOANS IN WASHINGTON AND OREGON
Get more mileage for your money
- Flexible financing options: We provide loan options for many different vehicles, including new and used cars, electric vehicles, trucks, vans, and more!
- Debt protection and gap coverage: Optional services like Debt Protection ensure loan payments are canceled in unforeseen circumstances, and Guaranteed Asset Protection (GAP) covers the difference between your car’s actual cash value and the loan balance in case of a total loss.
- Save with a certified pre-owned car: Certified pre-owned (CPO) vehicles purchased at a dealership of the same brand are eligible for a 0.25% APR discount on your auto loan. It’s a certified deal!
- Go green and save: Eco-friendly vehicle purchases can take a 0.25-0.50% APR discount with our E-Go Green Auto Loan. Hundreds of makes and models qualify! See the full list of eligible vehicles.
Ready to accelerate your savings with some of the best auto loan rates in Washington and Oregon? Click below to apply for an auto loan today and get behind the wheel of a great deal!
AUTO LOANS IN WASHINGTON AND OREGON
Get more mileage for your money
- Flexible financing options: We provide loan options for many different vehicles, including new and used cars, electric vehicles, trucks, vans, and more!
- Debt protection and gap coverage: Optional services like Debt Protection ensure loan payments are canceled in unforeseen circumstances, and Guaranteed Asset Protection (GAP) covers the difference between your car’s actual cash value and the loan balance in case of a total loss.
- Save with a certified pre-owned car: Certified pre-owned (CPO) vehicles purchased at a dealership of the same brand are eligible for a 0.25% APR discount on your auto loan. It’s a certified deal!
- Go green and save: Eco-friendly vehicle purchases can take a 0.25-0.50% APR discount with our E-Go Green Auto Loan. Hundreds of makes and models qualify! See the full list of eligible vehicles.
Ready to accelerate your savings with some of the best auto loan rates in Washington and Oregon? Click below to apply for an auto loan today and get behind the wheel of a great deal!
Get the keys to affordable car ownership.
Competitive Rates
Our low rates make vehicle ownership affordable for many budgets.
Flexible Terms
Get a short term to pay off your loan faster or a longer term to lower your monthly payments.
Personalized Service
Applying is a breeze, and we'll support you throughout the loan process and beyond.
ALTERNATIVE FUEL PROGRAM
Green rides get a better rate!
Our Alternative Fuel Program rewards eco-friendly vehicle choices with a rate discount. If your vehicle is a hybrid or fully electric, it qualifies for a discount of 0.25% APR or 0.50% APR, respectively, down to our floor of 4.99% APR.
ALTERNATIVE FUEL PROGRAM
Green rides get a better rate!
Our Alternative Fuel Program rewards eco-friendly vehicle choices with a rate discount. If your vehicle is a hybrid or fully electric, it qualifies for a discount of 0.25% APR or 0.50% APR, respectively, down to our floor of 4.99% APR.
CERTIFIED PRE-OWNED DISCOUNT
Get 0.25% APR off your certified pre-owned car.
Certified Pre-Owned (CPO) vehicles purchased at a dealership of the same brand are eligible for a 0.25% APR discount on your auto loan. It’s a certified deal!
CERTIFIED PRE-OWNED DISCOUNT
Get 0.25% APR off your certified pre-owned car.
Certified Pre-Owned (CPO) vehicles purchased at a dealership of the same brand are eligible for a 0.25% APR discount on your auto loan. It’s a certified deal!
REDUCED AUTO RATES
Take 1.25% APR off your auto loan rate.
We want to put you in the driver’s seat of your car loan. Find great rates as low as 6.24% APR, or take 1.25% APR off your existing rate from another lender on any year vehicle down to our floor of 4.99% APR when you refinance from another lender and set up automatic payments from your Columbia CU checking account.
REDUCED AUTO RATES
Take 1.25% APR off your auto loan rate.
We want to put you in the driver’s seat of your car loan. Find great rates as low as 6.24% APR, or take 1.25% APR off your existing rate from another lender on any year vehicle down to our floor of 4.99% APR when you refinance from another lender and set up automatic payments from your Columbia CU checking account.
We've got you covered.
Debt Protection
Ensure that your consumer loan payments are canceled if life takes an unexpected turn with debt protection.
GAP Coverage
Guaranteed Asset Protection (GAP) covers the difference between your car’s Actual Cash Value and the balance of your auto loan.
Extended Auto Warranty
Give yourself some peace of mind in case your vehicle experiences mechanical breakdown with an extended auto warranty.
If you used a vehicle for collateral on a loan, auto insurance is required. You can quickly and easily submit your auto insurance information to Columbia Credit Union via myinsuranceinfo.com. Use this convenient tool during the initial loan process or to update your information if you change insurance companies.
If you do not have insurance coverage or don’t notify Columbia about the coverage, then we will add insurance, which only covers our interest in the vehicle. In this case a premium will be added to your loan payment per your closing documents. This premium will increase your loan payment.
Please furnish evidence of insurance that meets the following conditions. We will be unable to accept insurance information that does not meet all of these conditions.
- List Columbia Credit Union as Lienholder or Loss Payee
- The Comprehensive deductible cannot exceed $1,000.00
- The Collision deductible cannot exceed $1,000.00
Our mailing address for insurance verification is:
Columbia Credit Union
PO Box 58790
Tukwila, WA 98138
Questions:
Call our Insurance Service Center at (800) 998-0763
AUTO LOAN
How to Apply for an Auto Loan
- Apply Online: Click the link below or stop by a branch to start the process.
- Submit the Application: It only takes a few minutes to complete our short application.
- We’ll Contact You: We’ll review your application and reach out to you with a loan decision.
AUTO LOAN
How to Apply for an Auto Loan
- Apply Online: Click the link below or stop by a branch to start the process.
- Submit the Application: It only takes a few minutes to complete our short application.
- We’ll Contact You: We’ll review your application and reach out to you with a loan decision.
★★★★★
"I’ve been banking at Columbia CU for many years. I have several accounts with them and a car loan. The service has always been excellent, and everyone is friendly and professional. Highly recommend them!"
- Ian M.
FAQs
Yes, we offer auto loan pre-approval so you will know how much you qualify to borrow before you go shopping for the perfect vehicle.
Many used vehicles qualify for financing. It depends on the model year, condition, and market value of the vehicle you are considering. The amount financed may not exceed the vehicle’s current value.
Our credit union car loan rates are fixed. Your rate will be locked in when the loan is created and won’t change. A fixed rate gives you consistent monthly payments, which helps with budgeting. It also means you won’t have to worry about future rate increases.
No down payment is required for our auto loans. You can finance 100% of the purchase price and the vehicle you are buying will serve as the collateral.
There are no penalties if you make additional payments or pay off your auto loan early.
Absolutely! We have some of the best car loan rates in Oregon and Washington to help you save with an auto refinance loan! You may also be able to get a better term to lower your monthly payments.
Columbia Credit Union membership is open to individuals and businesses in Washington State and in the Oregon communities of Clackamas, Marion, Multnomah, and Washington Counties (and to families of eligible individuals).
BICYCLE LOAN
Go places with the bike you want.
Whether you ride to go green, get a workout, or save money on gas—our bicycle loan is here to help.
- Finance up to $10,000
- Up to 60-month term with a fixed rate
- Good for bicycles, electric bikes, or related equipment
BICYCLE LOAN
Go places with the bike you want.
Whether you ride to go green, get a workout, or save money on gas—our bicycle loan is here to help.
- Finance up to $10,000
- Up to 60-month term with a fixed rate
- Good for bicycles, electric bikes, or related equipment
Great financing options beyond auto loans.
Personal Loans
Whether you’re dreaming of taking that big vacation, need to pay for car repairs, or want to consolidate debt, our low rates and flexible terms can make it happen.
Home Equity Line of Credit
Unlock the potential of your home’s equity with our HELOCs. Use your funds for a home makeover, a big purchase, or to consolidate debt—the possibilities are endless.
Credit Cards
Enjoy low rates, high rewards, and global travel benefits. Plus, take advantage of no balance transfer fees and 0% interest for 12 months—we have a credit card for everyone.
¹APR=Annual Percentage Rate and is accurate as of February 27, 2025. APRs range from 5.49% to 13.99%. The APR you qualify for is based on repayment period, your vehicle’s value, year and mileage, and your credit qualifications including residential status, credit and employment history. Payment example: If you borrow $20,000 for 60 months at 5.49% APR, your monthly payment would be $381.93.
²If you’re refinancing your vehicle loan from another lender, we will give you the lowest of either a) your Columbia CU qualifying APR or; b) up to 1.00% APR off your current lender’s APR down to our floor of 4.99% APR. Lowest APRs include Checking Relationship Plan discount which provides a qualifying rate discount of 0.25% APR for automatic loan payments from Columbia CU checking. Within 60 days of loan closing, Auto Pay can be set up via automatic transfers from your Columbia CU checking to your loan with either the assistance of a Columbia CU representative or by setting up recurring transfers in Columbia CU’s Online Banking.
Alternative Fuel Vehicle Program: 0.25% discount for hybrid vehicles and 0.50% discount for fully electric vehicles, down to our floor of 4.99% APR.
Certified Pre-Owned (CPO) vehicles purchased at a dealership of the same brand are eligible for a 0.25% discount.
Membership required to borrow. Columbia Credit Union may offer other rates in the future.