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spokane car loans

A quick & easy car loan process 

Rates as low as 2.49% APR* 

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Our auto loan process is quick and easy and we have some of the lowest loan rates in Spokane! It can be hard to know where to start your car shopping search. We have an online auto shopping center that pulls inventory from local car dealerships throughout the Spokane area. Start shopping from the comfort of your own home and apply online whenever you’re ready.  

You can also apply online for the following:  


Car loan financing & refinancing

Get pre-approved for your auto loan today to secure your budget and financing. That way when you go car shopping you’ll know exactly what you can afford and have the bargaining power to move forward with the purchase.  Our expert loan staff is ready to help you whenever you’re ready!

Looking to refinance your car loan? We offer super low rates, a flexible lending process, and compassionate staff who will make the switch completely worth it.  Let us see if we can get you a better deal!  Refinance your car loan


Your chance to win big!

Check out our Great Loan Giveaway to find out how you can get a chance to win money to help pay off your car loan!

If you have any questions, contact one of our expert loan staff at 509.328.2900. 

apply for a car loan now

Car loan calculator

Find out what your monthly payment will look like with our easy-to-use car loan calculator! Just put in your total loan amount, loan term, and you’ll get your estimated monthly payment based on our lowest available rate.


 


the lot - your car-buying resource center

  • Research thousands of vehicles in our massive inventory
  • Save time and money with a loan pre-approval 
  • Refinance your existing auto loan
  • NADA Trade-In Values - find out what your car is worth
  • Free CarFax, vehicle comparisons, and more!   

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The Lot provided to Canopy Credit Union by GrooveCar.
 



Car loan FAQs

How long does it take to hear back about my loan application?

We work hard to make sure we get back to you as soon as possible. We will follow-up with you within 1-2 business days. 

What rate do I qualify for with my credit score?

Your interest rate will depend on your credit score and the loan to value of the vehicle you choose to purchase. You can find a rough estimate of your credit score by downloading apps like Credit Karma and/or Credit Sesame but your true credit score will most likely be different when we pull it for your application. You can get one free credit pull per year (without having to apply for a loan) at https://www.annualcreditreport.com. Learn more about what makes up a credit score and how you can improve it in our blog What Makes up a Credit Score?

Will my credit score be affected if I apply for a loan?

Yes, whenever you apply for a loan it is considered a hard pull/inquiry and will have a small effect on your credit score. Find out more about hard pulls and inquiries.

What documents will I need to provide for an auto loan?

We’ll need your two most recent paystubs, current auto insurance information, and if you’ve already chosen the vehicle you’ll need a purchase order for that vehicle.

Can I purchase a vehicle from a private party with an auto loan?

Yes. 

How do I know I'm getting a good deal on my car?

In general, websites like NADA and Kelly Blue Book are great resources for finding out the true value of your car. We most often use NADA to determine car values (based on VIN #).


Ready to get your auto loan?

apply for a car loan   


*Annual Percentage Rate, may vary based on approved credit, rate includes 1/4% off for automatic payment and 1/4% off for additional services, fixed rates range from 2.49% APR to 18% APR. Other rates and terms are available.

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