Goodbye red tape. Hello cherry red.
Take the wheel. Put yourself in the driver’s seat. Grab the keys. Pick any overused lending analogy, and let’s roll. Because it’s not about clever wordplay— it’s about understanding what you can afford and anticipating your needs and potential roadblocks. Whether you’re headed to a dealer or buying from a third party, we’re able to guide you to a streamlined solution perfect for both your short-term goals and long-term financial health.
- Finance new or used through a dealer
- Lease or buy-out and refinancing from other financial institutions
- Terms up to seven years for new and used cars with less than 15,000 miles
- No loan setup fees or penalty for early pay-off
- Free online banking and eStatements
- Loans available for classic cars
Working with Dealers
You can get a new or used auto loan with Solarity right from the dealership, through our Dealership Partner Program. Just visit any participating dealer in Washington and ask for financing through Solarity Credit Union. With the same great rates and terms, it just makes sense to get financed and drive away—all in a single visit to the dealer. You can get approved at the dealership or if you’ve already been pre-approved, there’s no need to come back to us; just let the dealer know you’ve been pre-approved with Solarity.
We have two auto loans with Solarity and from the inception of each, the interactions went extremely smoothly, and the staff was helpful and knowledgeable.”
Frequently Asked Questions
How long will it be until I get the title to my vehicle?
Within 10 days of payoff, we will process the $31 title fee and send the release of interest documents to the state. Once that is completed, the state will send you your clean title in roughly 6 to 8 weeks.
Is there a penalty to pay my loan off earlier?
No, we do not penalize on early payoffs.
My car payment is due today. Is it alright if I come in tomorrow and pay it?
Of course! We provide a 15-day grace period on auto loans before a late fee is charged to your loan.