Auto Loan Rates in Tacoma, WA

First Time Buyer Program
Rate is eligible for discounts. Rate applied to “0” scores and thin files. Thin file defined as either: less than 12 months auto history OR less than 2 active trade lines with at least 12 months history each. Co-Signers do not impact the structure or the rate. Score determined by Experian FICO AUTO V8 score.

Vehicle Loans – Policies, Terms & Conditions

• Max motorcycle age = 7 years; Max motorcycle mileage = 50,000
• Refer to “First Time Buyer Program” for “0” FICO scores
• Floor rate of 4.46% to include all possible discounts for autos
• Floor rate of 6.80% to include all possible discounts for motorcycles
• Floor rate of 7.65% to include all possible discounts for recreational vehicles
• Credit Tier determined by best FICO AUTO V8 Score between borrower and co-borrower.
• Co-Signers have no impact on rate tier.
• Minimum loan amount for autos: $10,000 for 61 – 72mos; $20,000 for 73 – 84mos.
• All credit approvals subject to verification of income, employee and social security verification performed by ACU.
• All used vehicles are subject to a review of an Experian “AutoCheck” report prior to funding.
• Auto/motorcycle insurance: comprehensive and collision deductibles not to exceed $500
• ACU does NOT finance Straw Deals, Branded/Salvaged Titles, Lemon Law or Gray Market vehicles.
• All exceptions analyzed on a case by case scenario
• SKIP-A-PAY – “Skip” your loan payment twice per year. Skip requests are subject to approval and interest will continue to accrue.
• NO PAYMENTS FOR 90 DAYS – Applies to new loans, or loans transferred from another financial institution. Interest will begin to accrue from the date of disbursement. Offer applies to Tier Prime – 2 only and subject to final underwriting. Unless otherwise stated, the first payment must be within 45 days

Learn More about ACU Auto, Truck, and Motorcycle Loans

*APR=Annual Percentage Rate. APR received subject to credit. The advertised rate is the floor rate, and is based on creditworthiness, age of vehicle and terms of the loan with the max discounts applied. Not all will qualify for the lowest rate. Rate can be higher depending on credit performance and subject to change without notice. Some restrictions may apply. Interest will begin to accrue from the date of disbursement. Unless otherwise stated, the first payment must be within 45 days. ACU membership with $25 membership pledge required to open an account. Estimated monthly payment examples: 1. $601/month for 36 months, $20,000 loan at 5.21% APR; 2. $331/month for 72 months, $20,000 loan at 5.99% APR.