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Used Car Loans SeaWest used car loans will have you on your way with competitive rates and terms.

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  • Enjoy Exceptional Loan Benefits

    As a not-for-profit credit union, we are proud to offer our members loans with great rates, no prepayment penalties, and no down payments (with credit approval).

    And because a loan from SeaWest allows you to finance 80% to 100% of your purchase, you can get into a new-to-you car with cash to spare.

    • Low rates so you save more
    • 80% to 100% financing*
    • Fast loan approvals

    Get Pre-Approved and Shop

    When you finance with SeaWest, you get pre-approved fast – letting you shop smarter with negotiating power.

    We also partner with AutoSMART to give you a transparent and stress-free car buying experience. Search for used cars, work with our partner dealerships, and apply for a loan all within one easy to use portal.

    Find a Car

    Protect Your Investment

    We understand the importance of having a good vehicle in your life. You depend on it to get you where you want and need to go.

    To keep you on the road no matter what life throws your way, we offer optional guaranteed asset protection and mechanical breakdown coverage. 

    Both coverage features can be financed with your used car and give you peace of mind and protection for just a few dollars a month. 

    How Much Will Your Used Car Payment Be?

    Want an idea of how much your monthly payment will be? If you know your credit score, see how a used car loan payment will fit into your existing budget.



    Test drive your payment

    How much is the car you want?
    How's your credit?
    How's your credit?
    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 those who serve and their families superior financial products and services so that they can make their dreams and goals a reality.


    “Hands down, best credit union out there. Thank you for serving our service men and women!

    As a dependent, we have enjoyed great service and opportunities.”

    – Del J.

    Get on the road without the hassle

    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: 07-20-2024

    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

    It’s more than the convenience of online and mobile banking or great rates. As a member-owned nonprofit, we don’t work for Wall Street investors. We work for you. That means things like higher dividends on savings accounts, lower rates on loans, and personalized customer service. We understand the needs of service members, and offer products tailored to your lifestyle, like PCS loans or Buoy loans.

    For a credit union to succeed, its members need to succeed. That’s why we work with you on an individual basis to make sure you’re matched with the right products and services to meet your goals.

    As a result, our members who want to avoid bad credit or build credit have access to things like secured loans, available at low interest rates for affordable monthly payments.

    Unlike a traditional commercial bank, your credit union invests in you. We’re here for you, which is why our members have flexible access not only to SeaWest branches and ATMs, but to our network of shared branches and ATMs, as well!

    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. 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.

    SeaWest membership is open to individuals who meet the following criteria:

    • U.S. Coast Guard members who are active duty, reserve, auxiliary, or civilian employees
    • Any member of other U.S. military branches (active duty/retired, honorably discharged veterans)
    • Department of Homeland Security employees in the states of California, Nevada, Arizona, or Utah
    • Members of the Navy League of the United States

    Immediate family members or domestic partners of anyone meeting the above criteria are also eligible to join.

    To find out more about membership or how to join, contact us.

    We take your security very seriously here at SeaWest Coast Guard Federal Credit Union. We’ve invested in state-of-the-art IT and encryption technology to keep your information safe.

    And since we’re a credit union, your accounts are insured up to $250,000 through the National Credit Union Administration (NCUA).

    As a member, you have access to exclusive credit resources through Credit Sense.

    Through our online banking tool, you have free credit monitoring (with no impact on your credit score). Credit Sense lets you avoid missing any mistakes on your credit report through regular monitoring.

    Additionally, our blog offers you advice and explainers on a variety of common financial topics.

    SeaWest also offers loan products that are specific to the needs of service men and women - Buoy loans or a loan to help with your PCS orders? We've got you covered.

    In addition to our used car loans, we also offer the following for our members:

    • Trucks
    • Recreational Vehicles
    • Home Equity Loans
    • Mortgages
    • Secured Loans
    • Personal Loans
    • Visa Credit Cards
    • PCS Loans
    • Buoy Loans

    Different terms and conditions apply to each of these loans. However, members can be confident that our knowledgeable advisors will work with you to help you get the best rate and best loan for your financial situation and goals.

    Yes, we do. You have access to AutoSmart, which lets you shop for cars and search favorite dealers. With AutoSmart, you can lock in your price with a Member Purchase Certificate.

    Beginning with pre-approval, all the way to driving off of the lot, AutoSmart eases and streamlines the car buying process, just for you.

    Yes! We offer online and mobile banking services. You can pay instantly, and even better, never miss a payment with scheduled auto drafts. For access, you can get the app on the Apple app store or Google Play.

    Pre-owned vehicles often have slightly higher interest rates and shorter term lengths than brand new vehicles. The higher interest rate can be attributed to the age and mileage that has accumulated on the vehicle. Shorter term lengths can be attributed to the typically smaller loan amount of a used vehicle compared to a new vehicle.

    For a buyer, this means that getting a loan for a pre-owned vehicle is most often a more affordable option overall than buying new. New cars depreciate at the steepest rate in their first year on the road. When you buy pre-owned, the original owner takes the financial loss off that depreciation, not the second owner (you).

Used Car Loans 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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Notice to Members (7/19/24): “Sea West is aware of the widespread global technology outage affecting companies and services across industries. There has been no impact to Sea West or its services. However, we remain diligent and will continue to monitor events, providing updates to you our member as appropriate

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