Shop confidently with a pre-approval from your local credit union
Our cars and trucks are more than just a way of getting from Point A to B...they provide freedom. The freedom to move, explore and get things done.
From towing and hauling to vacationing and commuting, our vehicles are vital to our lives. When you're ready for your next set of wheels, connect with us to find the auto loan options you need. With generous terms and competitive rates, we'll get you on the road in no time.
Apply for pre-approval before you shop for your new car, truck or SUV to save time and feel confident knowing how much you can afford. It only takes a few minutes and the application can be done online.
Featured auto loan rate
Get a great deal on your auto loan
Purchase or refinance
Purchase through a dealer or let us help refinance your current loan, including cash-out options.
New or used
Whether it's new or "new to you," we offer the loan options you need to get you moving.
Easy on the wallet
Competitive rates, generous terms and no loan setup or early pay-off fees
Many types of vehicles
We finance cars, trucks, SUVs, mini vans, motorcycles and even classic cars.
Get cash or lower your payment...or both!
Auto loan refinance
Refinancing an auto loan could lower your monthly payment and shorten your term, saving you money in the long run. Solarity also offers a cash-out option, where you can pull cash from your vehicle to pay for an expense or pay down higher-interest debt. The best part? It's easy and fast!
Bobby will tell you how quickly he completed his refinance (just click play on the video to the right).
Light on paperwork. Big on service.
We believe that buying a car, truck, or SUV should be as easy as a Sunday drive along a country road. That’s why we process your auto loan with as little paperwork as possible. Here are a few easy steps to help get you into your new (or new-to-you) vehicle.
- Step 1: Apply. Complete a loan application online, by phone, or at your favorite location. You can also apply for pre-approval for an auto loan before you shop.
- Step 2: Value. For new vehicles, we use the dealer’s MSRP as the vehicle’s value. For used vehicles, we’ll complete the value using the NADA (National Automobile Dealers Association) or Kelley Blue Book used car guides.
- Step 3: Sign and drive. After you've been approved and found your vehicle, sign on the dotted line at the dealership and hit the road in your new ride.*
Shop with confidence
Apply for auto loan pre-approval before you shop for your new car, truck or SUV. This can give you leverage when you are negotiating at the dealership. Plus, it can help you avoid snap financing decisions or feeling pressured to buy "add-ons." Getting pre-approved lets you know how much you can afford and anticipate what your monthly payment will be.
You can get pre-approved in advance of shopping or you can get pre-approved onsite with one of our partner dealerships.* Solarity works with auto dealerships in Washington through our Dealership Partner Program. Visit a participating dealership and ask for financing through Solarity Credit Union. With the same great rates and terms, it's easy to get financed and drive away—all in a single visit to the dealer. If you’ve been pre-approved with Solarity, simply let the dealer know and you'll be good to go.
Advantages of getting pre-approved
- Know your price range in advance to avoid overspending
- Understand your auto loan options--such as rate, term and payment--ahead of time
- Leverage your pre-approval to negotiate as a "cash" buyer
- Side-step financing games, tactics and last-minute "add-on"
Our members say it best:
Get moving with an auto loan from Solarity
You have options when it comes to financing your new car, truck or SUV. Work directly with the dealer or apply for pre-approval in advance. Either way, it's as easy as apply, sign and drive!
Online
Applying online is simple and our experts are standing by if you have any questions.
Start Your Auto Loan Online
Call
Ready to talk to someone right now? We're ready to talk to you, too! Call 800.347.9222.
Make the call
Come say hi
Stop by a branch to say hello and get to know your local financial experts.
Find a branchWhy should you get pre-approved for a loan before shopping to buy a car?
It's generally a good idea to get pre-approved for an auto loan before buying a car. Here's why:
Budgeting: Pre-approval gives you a clear understanding of how much you can afford and the terms of the loan. This helps you establish a budget for your car purchase, ensuring you don't overextend your finances.
Negotiating: With pre-approval, you already know the most you can borrow and the interest rate you're eligible for. This can be useful when you're negotiating with a car dealer. You can concentrate on discussing the car's price instead of the financing details.
Save time: Pre-approval can save you time at the dealership. You won't have to go through the financing process on the spot, which can be time-consuming. You can concentrate on selecting the right car once you're pre-approved.
Interest rate comparison: By getting pre-approved from a bank, credit union or an online lender, you can compare the rates and terms they're offering. This helps you pick the loan that suits you best and may save you money over the life of the loan.
Avoid pressure: Without pre-approval, you might be pressured into dealer financing, which may not offer the most competitive rates. Pre-approval gives you the freedom to choose your financing source.
Know your credit situation: The pre-approval process also gives you an idea of how lenders view your credit. If you get turned down or offered a high interest rate, it might be a sign that you should work on improving your credit before making a big purchase.
Other common questions about consumer loans
Yes! Solarity offers Skip-a-Pay for various types of loans, including cars, trucks, boats and more. Skip-a-Pay allows members to defer making their loan payments for a specific period, providing them with some financial flexibility when needed. Click here to learn more about how this service works, or give us a call at 800.347.9222 to get started!
Solarity does not offer private party loans on vehicles, motor homes, travel trailers, campers, fifth wheels, boats and jet skis.
A personal loan is an alternative to the private party loan that you can apply for with Solarity. If you would like more information about personal loans, please contact us at 800.347.9222, option 6. Apply for a personal loan here.
We do offer vehicle loans and you can learn more here.
After the final payment on a loan is paid, we release our lien. The the Washington State Department of Licensing then processes a paper title, which can take 4-6 weeks to be received.
If it is registered outside of Washington state, the title will be mailed to Solarity Credit Union, and we will mail it to the address on file. That process also has a 4-6 week timeframe.
News, articles and member spotlights
Solarity Credit Union boosts healthcare access with $160,000 donation to Memorial Foundation
On December 11, 2024, Solarity Credit Union presented a $160,000 donation to Memorial Foundation, marking a pivotal moment for the organization’s CHAMPs Campaign.
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Refinancing your car: 5 things to consider
Are you looking to lighten your financial load? Refinancing your auto loan might be the answer. Not only can it help you lower your monthly payment by securing a better i...
Solarity delivers over 100 gifts through successful holiday drives
This holiday season, Solarity hosted not one but two successful drives, bringing joy to children and families in our community.
Loans to help you live life to the fullest
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Tap into the buying power of your home to pay for large expenses or consolidate debt.
Find out moreAll loans are subject to credit approval. Not all applicants will qualify for a loan or the lowest rate shown. Special terms and conditions may apply. Annual Percentage Rate (APR) accurate as of date shown and subject to change. Add 1.00% to rate shown for vehicles over 100,000 miles (150,000 miles for diesels). Minimum loan amount is $2,500.