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Auto Loan Refinance Refinancing with SeaWest can be a smart way to revamp your lifestyle and budget!

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  • Choose a Better Auto Loan

    Refinancing is a great option when your vehicle still meets your needs but your existing auto loan does not. You can refinance an auto loan from SeaWest or another lender and secure a better rate with terms that fit your budget. 

    Your refinanced loan comes with all of the SeaWest auto loan benefits like convenient online payments and no prepayment penalties. We make it painless to save money.

    If you’re looking for affordable car loans from a place you can trust⁠—come to us.

    • Low rates to save you money
    • Flexible loan terms
    • No prepayment penalties

    Protect Your Investment

    When you refinance with SeaWest, you can add guaranteed asset protection and mechanical breakdown coverage to your loan.

    These optional coverage features give you peace of mind and protection from life’s unexpected events for just a few dollars a month.

    Get Approved in Minutes

    We know you’re busy, so we make refinancing your auto loan fast and easy. 

    Whether it’s one of our loans or a loan from another financial institution, we offer quick approvals through one of our representatives.

    Apply today, and start saving right away.

    How Could Refinancing Your Auto Loan Help You Save?

    This loan calculator can show you how much of a difference refinancing could make. Calculate your new payment and then apply today.



    Test drive your payment

    What is Your Current Loan Balance?
    How's your credit?
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    How many months do you want the loan for?
    How many months do you want the loan for?

    We’re Here to Help!

    At SeaWest, you’re not a number, you’re a member. That means you belong, and we’re on your side! We are proud to offer the men and women who serve our country superior financial products and services so that they can make their dreams and goals a reality.


    “Great credit union. Was there throughout my career, with me in retirement. They have always treated me with kind words and provided financial knowledge. Just bought another car through them, great service, quick response and best of all GREAT RATE.”

    – James P.

    Let's talk about better rates

    Great loan rates and simple payment plans make your adventures affordable and easy. Just fill out this quick online application to get started.

    Apply Now
  • Rates Effective as of: 05-22-2024

    Auto Loan Rates

    DescriptionBest APR*TermApply
    New Auto4.96%*36 Months. Other rates and terms availableApply Now
    Pre-Owned Auto – Up to 7 model years old5.40%*36 Months. Other rates and terms availableApply Now
    Contemporary Auto – 8 to 25 years old7.70%*24 Months. Other rates and terms availableApply Now

    * APR = Annual Percentage Rate. Rates quoted above are for the lowest possible rate available, which assumes excellent borrower credit history and the shortest term available for that loan program and includes a 0.25% rate reduction for direct deposit to a SeaWest checking account and automatic loan payments. Discounts cannot be stacked. Rates vary with term. Your actual APR will be determined at the time of disbursement and will be based on your application including loan amount and term, and credit information.

    Rates are subject to change without notice.

  • Frequently Asked Questions

    SeaWest knows that trust and loyalty are paramount to service members. We take your trust in us very seriously, which is why we’ve invested in top-of-the-line security features to protect you.

    We’ve partnered with AT&T and Microsoft to help us provide secure software and encryption 24/7. With over one million invested in IT infrastructure and our account insurance through the National Credit Union Administration (NCUA), SeaWest helps keep you, your identity, and your money as safe as possible.

    We at SeaWest honor the service and sacrifice of members of every branch of service. That’s why we’re proud to offer free checking accounts just for active duty and veterans.

    These special accounts come with no minimum balance or monthly fees (non-sufficient funds fees do apply), 1 box of personalized checks, and 4 free monthly transactions at out-of-network ATMs.  All of our members are eligible to apply for our basic checking and Beacon checking accounts, as well as IRAs, certificates, savings accounts, and youth checking and savings accounts.

    We also offer a 0.25% rate discount on certain consumer loans to new SeaWest members who are active duty Coast Guard or other US Military service. Existing members can also get a 0.25% discount with a direct deposit SeaWest checking account.

    We’ve partnered with TruStage to offer our members a variety of options in Life Insurance, Auto Insurance, and Home Insurance. TruStage offers insurance through many of the nationally recognized brands, like Liberty Mutual.

    You will be charged an additional 5% of your payment amount if you are late making a payment.

    In addition to our two branch locations in the Bay Area, SeaWest members are also eligible to bank at our shared branches.

    You can also use over 30,000 shared ATMs around the world!

    SeaWest membership is open to men and women who are either in-service to our country or have been in service and are:

    • Active Duty- any branch of service
    • Retired- any branch of service
    • Auxiliary- any branch of service
    • Honorably discharged veteran- any branch of service

    Membership is also open to US Coast Guard civilian employees.

    Navy League of the United States members and Department of Homeland Security employees in the states of Arizona, Nevada, and Utah are also eligible to join.

    Finally, SeaWest membership is available to immediate family members and domestic partners of all of these eligible groups.

    You can schedule loan payments that will be drafted automatically from your checking account or savings account with our Online and Mobile banking tools.

    Review your payment history, manage payments, and most importantly, never miss or be late on a payment!

    Online and Mobile banking also give you access to free E-Statements and account alerts.

    Generally, refinancing your loan can make sense if:

    • Rates are lower now than they were when you originally financed your loan.
    • Your credit score has improved and you’re eligible for lower rates.
    • You need to extend your repayment terms to cut your payment.
    • You want to move your loan over to SeaWest, who can offer better loan benefits.
    • You want to change your loan, possibly in the case of adding or removing someone from the loan.

    Of course, these are just a few examples, and we’re always happy to meet with you and talk through whether or not refinancing would make sense for you.

Auto Loan Refinance Disclosures
Photo courtesy of the U.S. Department of Defense. Use of Department of Defense (DoD) visual information does not imply or contribute DoD endorsement.
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Holiday Closure

. We will be closed in observance of Memorial Day on Monday, May 27th. Online banking and ATMs are always available.