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Last Updated: 04/18/2025

STCU Auto Loans

in Auto Loans from STCU

Last Updated: 04/18/2025

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Amount Range

N/A

APR (Fixed APR)

7.24% - 7.74%(Verified 06/21/2024)

Credit Score Range

N/A

Loan Term (Months)

Up to 180
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STCU Auto Loans Review

STCU Auto Loans is offered by STCU, a credit union founded in 1934 and based in Liberty Lake, WA. STCU Auto Loans are available in 50 states and Washington, DC.

STCU Auto Loans FAQ

What APR does STCU Auto Loans offer on its car loans?

STCU Auto Loans offers a fixed apr car loan product that ranges from 7.24% APR up to 7.74% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum auto loan term you can get with STCU Auto Loans?

STCU Auto Loans has car loans with a maximum term of 180 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.

Does STCU Auto Loans charge an origination fee?

Yes, STCU Auto Loans may charge a loan origination fee .

Does STCU Auto Loans charge a late fee?

Yes, STCU Auto Loans charges borrowers with a late payment penatly fee

Does STCU Auto Loans charge prepayment fees?

Yes, STCU Auto Loans does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my STCU Auto Loans loan?

Yes, you can. However, STCU Auto Loans charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.

What do you need to qualify for STCU Auto Loans?

STCU Auto Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
STCU Auto Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by STCU Auto Loans.
To qualify, applicants may need to provide the following documentation:
  • Loan payoff statements
  • Proof of insurance

Does STCU Auto Loans report your account activity to credit bureaus?

Yes, STCU Auto Loans reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does STCU perform a hard credit pull?

Yes, STCU Auto Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Is STCU a legit company?

STCU was founded in 1934, it is a well-established company that has been in business for 92 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

1620 N Signal Dr
Liberty Lake, WA 99019
(509) 326-1954
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Email Support

Hours of Operation

Sunday
Closed
Monday
7:30AM - 5:30PM
Tuesday
7:30AM - 5:30PM
Wednesday
7:30AM - 5:30PM
Thursday
7:30AM - 5:30PM
Friday
7:30AM - 6:00PM
Saturday
Closed

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