Auto Loans

Credit Union West auto

Take the Headache Out of Auto Buying

Not only will you receive personalized service at Credit Union West, but you can expect a first-class auto shopping and purchase experience.

Get a Great Rate

Because we are not-for-profit you benefit from lower rates and payments. Getting pre-approved before you shop gives you peace-of-mind as you begin shopping for your ride.

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Vehicle loans as low as 3.49% APR.

Get a Great Price

Costco Auto Program

The Costco Auto Program1 makes buying a car easy with low, prearranged, pricing on new and pre-owned vehicles. With more than 3,000 participating dealerships nationwide, a trained and certified authorized contact will work with you to find your perfect vehicle with no-hassle pricing. Call 1.800.805.1195 or visit to find a participating dealer near you.

Get Great Protection

The last thing we want you to worry about is protecting your new purchase. We’ve got that covered. Our optional protection plans are designed to keep you on the road and protect your investment.

Guaranteed Asset Protection, also known as GAP Advantage2, protects you from the “gap” between the vehicle’s value and the amount you still owe on your vehicle in the event of a total loss. In addition, GAP provides you with a credit of up to $1,000 toward the financing of a replacement vehicle.

Mechanical Breakdown Protection, provided by Interstate Assure Guard2, offers a complete line of coverage for major mechanical expenses. All of the plans come with benefits such as emergency roadside assistance and rental car allowance. In addition, the protection is transferable to another vehicle.

Debt Protection safeguards your loan when an unexpected life event leaves you scrambling to pay your bills. Debt protection3 can help relieve financial pressure in the event of death, disability or involuntary unemployment.

Depreciation Protection protects the equity in your vehicle at time of purchase for the life of the loan. In the event of a total loss or theft, you will receive the difference of the value of the vehicle at the time of insurance purchase and the current value.

First Line Insurance Services, as a member you are entitled to special rates for your insurance needs. First Line is a full service, licensed insurance agency that provides a variety of auto and personal products to fit your individual needs.

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Auto Auction

Get a great deal on a previously owned car, truck, SUV, RV or motorcycle.

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1Must be a Credit Union West member, locate a participating dealer through the Costco Auto Program and meet with the Authorized Dealer Contact to be eligible. Credit Union West loan funding required as well as completion of a Costco Auto Program Member Satisfaction Survey within 30 days of purchase. Current eligible Costco members receive the $50 Costco Cash Card; eligible Non-Costco members receive a one-year Gold Star Membership. No substitutions. Cannot be combined with other offers and is not redeemable for cash. Offer not valid on the refinancing of an existing Credit Union West loan. Costco and its affiliates do not sell automobiles or negotiate individual transactions. All new cars arranged for sale are subject to availability and a price prearranged with the participating franchised new car dealer. Certain vehicles may be excluded from the program. A participation fee has been paid by the dealers participating in the Costco Auto Program. New Credit Union West accounts opened are subject to our normal approval process. Annual Percentage Rate (APR) based on credit qualifications and performance. Programs subject to change.

2Not insured by NCUA, NCUSIF or any Federal Government Agency, are not a deposit, may lose value, carry no credit union guarantee

3This product is optional – Your purchase of debt protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. Additional disclosures – we will give you additional information before you are required to pay for debt protection. This information will include a copy of the contract containing the terms and conditions of debt protection. Eligibility requirements, conditions, and exclusions – There are eligibility requirements, conditions, and exclusions that could prevent you from receiving debt protection benefits. You should carefully read your debt protection contract for a full explanation of the terms and conditions of the debt protection program.