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Auto Loans

New, Used or Refinance

Apply Online
  • Auto Loans

  • RV Loans

  • Boat Loans

  • Motorcycle Loans

Auto Loans

Auto Loans

Drive your dream car today with SafeAmerica's low rate affordable auto loans.
The process is quick and easy.

  • Same low rates for new or used vehicles
  • Repayment terms to 96 months
  • Monthly auto loan bonus with MoveUP Rewards
  • Up to 125% financing including tax, license and mechanical breakdown protection
  • Purchase from a dealer, private party or buy out a lease
  • Receive SafeAmerica financing right at the dealership, with CUDL (Credit Union Direct Lending).  Just tell your dealer you want to finance with SafeAmerica Credit Union.

Auto Loans

New, used, or refinance

Apply Online
  • Pre-Approvals for New/Used Autos
  • Competitive Rates & Flexible Terms
  • Payment Calculator »
  • Online Banking
  • Mobile Banking
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Find a Dealer

Get a SafeAmerica Credit Union auto loan right at the dealership without visiting a branch.  Our auto loans are available right at these local new/used dealerships.

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Find a Car

Find the car of your dreams on our free AutoSMART website.  Browse inventory of over 100 auto dealers to find a new or used vehicle.

Start Shopping »

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Preferred Dealer Spotlight

Our dealer partners provide our members with on-the-spot financing right at the dealership. When you're in the market for a new or used car shop at one of these dealers and save.

May Dealer Spotlight »

Optional Benefits

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MoveUP Rewards

Receive a monthly auto loan bonus of up to 3% of your current balance with our MoveUP Rewards program.

Learn More »

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Auto Insurance

Affordable top-quality protection, discounted rates, online convenience, and 24/7 claims service

Learn More »

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GAP & Mechanical Breakdown Protection

Protection against out-of-pocket costs when your car has an unexpected mechanical failure or is totaled

Learn More »

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Debt Protection

Cancels your eligible loan balance in case of a qualifying life event

Learn More »

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Provide Proof of Insurance

Provide us a copy of your Insurance Binder and/or Policy as required for your auto loan.  Mail to SafeAmerica Credit Union, Controlled #270, PO Box 58610, Tukwila, WA 98138.  You can also submit online at myinsuranceinfo.com or call (800) 998-0763.

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Calculators

Use our car payment calculator to figure out how much your auto loan might cost.

Learn More »

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Refinancing

Save money by refinancing your existing auto loan from another financial institution

Learn More »

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Skip-A-Pay

Allows you to skip up to two payments per calendar year, with fee per loan skipped (with approval)

Learn More »

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Vehicle Release Information

Remove our lien from the vehicle title once loan is paid in full

Learn More »

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CARFAX® Report

Vehicle history reports that checks for accidents and service, title problems and ownership history

Learn More »

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Enterprise Car Sales

Enjoy competitive used car rates and no payments for 60 days

Learn More »

Rates

New or Used Autos & Trucks   2015 and newer. Rates as of 2-1-23
Term APR1
24 months 5.74%
36 months 5.74%
48 months 5.74%
60 months 5.74%
66 months 5.74%
72 months 6.24%
84 months 6.49%
96 months* 8.74%

1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated. Payment sample: Pay $23.00 per month per $1,000 borrowed for 48 months at 5.74%. See our payment calculator for more payment samples.

* Minimum loan amount for a 96 month term is $30,000. Tier 1 credit qualification only and a 730 FICO score.

Rates and Fees »

RV Loans

New & Used Recreational Vehicle Loans

Recreational vehicles include Van Conversions and Motor Homes. SafeAmerica will finance, including tax and license fees, up to 100% of the MSRP on your new RV or up to 100% of the Kelley Blue Book retail value on your used RV (up to 6 calendar year old models).

Rates

RV Loan Rates   Rates as of 2-1-23
Term Mileage (max.) Amount (max.) Best APR1 New Best APR1 Used
60 months 100,000 miles $150,000 6.49% 7.49%
72 months 100,000 miles $150,000 7.49% 8.49%
84 months 100,000 miles $150,000 8.49% 9.49%
120 months 100,000 miles $150,000 9.49% 10.49%

1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.

Rates and Fees »

Apply for an RV loan

Apply Online
  • No annual fee
  • No application fee
  • No prepayment penalty

Boat Loans

New & Used Boat Loans

SafeAmerica will finance, including tax and license fees, up to 100% of the MSRP on your new boat or up to 100% of the Kelley Blue Book retail value on your used boat (up to 6 calendar year old models). Financing must also include the trailer.

Rates

Boat Loan Rates   Rates as of 2-1-23
Term Amount (max.) Best APR1 New Best APR1 Used
48 months $75,000 9.49% 9.49%
60 months $75,000 9.49% 9.49%
72 months $75,000 9.74% 9.74%
84 months $75,000 9.99% 9.99%

1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.

Rates and Fees »

Apply for a Boat loan

Apply Online
  • No annual fee
  • No application fee
  • No prepayment penalty

Motorcycle Loans

New & Used Motorcycle Loans

SafeAmerica will finance, including tax and license fees, up to 100% of the MSRP on your new motorcycle or up to 100% of the Kelley Blue Book retail value on your used motorcycle (up to 6 calendar year old models).

Rates

Motorcycle Loan Rates   Rates as of 2-1-23
Term Mileage (max.) Amount (max.) Best APR1 New Best APR1 Used
48 months 100,000 miles $50,000 3.99% 4.99%
60 months 100,000 miles $50,000 4.99% 5.99%
72 months 100,000 miles $50,000 5.99% 6.99%
84 months 100,000 miles $50,000 6.99% 7.99%

1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.

Rates and Fees »

Apply for a Motorcycle loan

Apply Online
  • No annual fee
  • No application fee
  • No prepayment penalty

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  • Auto, Home & Life Insurance
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Phone

(800) 972-0999

  • No. California: (925) 734-4111
  • Lost or Stolen Card 
  • Debit and Credit: (833) 933-1681

Routing Number: 321171757

NMLS#: 746366

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SafeAmerica is an Equal Housing Lender American Share Insurance Logo

Your savings insured to $500,000 per account. By members’ choice, this institution is not federally insured, or insured by any state government.

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