Verity offers auto loans with competitively low interest rates and an accelerated approval process so you can get in your dream car faster.
Loans are available for both new and used vehicles and we offer flexible terms to fit your family’s needs. Plus, get pre-approved before you shop and you’ll enjoy extra bargaining power at the dealership.
Features of auto loans at Verity:
- Competitively low interest rates
- New and used vehicles included
- Rate discounts for eco friendly vehicles
- Terms up to 7 years**
- Finance vehicles up to 150,000 miles and up to 15 years old
Save Green By Driving Green
Sustainability is important to us, so to reward you for making an eco-friendly vehicle choice, you will enjoy a lower rate if your vehicle is EPA SmartWay Certified. Our green auto loan program includes electric, hybrid and fuel-efficient vehicles.
Apply online, in a branch, or at the dealer through the Credit Union Direct Lending program.
Ready to get started?
You Have A Choice In Where you Bank
Verity is a local credit union that believes in socially responsible banking. We’re part of a movement working to create stronger, healthier, more sustainable communities because we believe a financial institution can do good. When you bank with Verity, your money helps make positive impacts in our vibrant communities. Rather than investing in Wall Street, about 90% of our deposits are used to invest in the local economy and members through loans, whether it’s a loan for an eco-friendly car, or adding a tiny home to your backyard.
Why Verity?Auto loan resources
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Guaranteed Asset Protection
Why pay for a car you can’t drive? Guaranteed Asset Protection (GAP), offered by Verity through Allied Solutions, can help protect you financially if your vehicle is wrecked or stolen. GAP covers the difference between your remaining loan balance and the insurance payout (the actual cash value of your vehicle).
Our GAP coverage also includes Auto Deductible Reimbursement (ADR), which reimburses your insurance-covered auto deductible, up to $500 per loss. Plus, If your vehicle is deemed a total loss and you finance a replacement vehicle with Verity within 90 days, you will receive $1,000 toward the purchase of your new vehicle. Certain limitations and conditions apply. Coverage may vary. Contact us for a free quote and full details. Get a free GAP quote today.
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Mechanical Breakdown Protection
The warranty on your vehicle won’t last forever. Fortunately, Mechanical Breakdown Protection (MBP), also known as an Extended Warranty or Vehicle Service Contract, covers certain repairs after the manufacturer’s warranty expires. This protection, offered by Verity through Allied Solutions, can give you peace of mind and is available at the time you purchase your vehicle. Get a free MBP quote today.
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AutoSmart
Find your perfect match with AutoSmart. This service, offered by our indirect lending partner Credit Union Direct Lending (CUDL), has helpful, easy-to-use car shopping resources. You can search for cars and connect with a dealership.
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AutoCheck
If you are in the market for a used car, be sure to check out the vehicle’s history using AutoCheck. When you finance a private party purchase with us, you will receive a free vehicle history report.
Loans available to Verity Credit Union members only. If not existing member at time of applying for loan, applicant will be required to establish Prime Share membership account as part of loan funding. $5 membership fee is required to join Verity.
*APR = Annual Percentage Rate. The APR you receive is based on your creditworthiness, repayment schedule, repayment method, age and type of vehicle, and loan-to-value ratio. Maximum vehicle mileage for financing is 150,000. Maximum vehicle age for financing is 15 years. Lowest rate includes the following discounts: 0.25% for automatic debit payments from an account at any financial institution, 0.50% for EPA SmartWay Certified vehicles, and 0.25% for financing less than 80% loan-to-value. Rate range 4.84% - 17.59% APR. Maximum repayment term 84 months. For the latest rate information, contact us at (206) 440-9000
or (800) 444-4589.
** Loan terms of 72 or 84 months are available to qualified members based on creditworthiness and age and type of vehicle. Not all vehicle loans will qualify for longer terms. Not all applicants will qualify for the longest term or the lowest payment. Longer loan terms may result in higher overall interest costs. Rates current as of 9/28/2026.Loan rates, terms, and conditions are subject to change without notice. Additional restrictions may apply. Contact Verity for complete details.
Repayment Example: For a $25,000 loan at 5.00% APR for 84 months, the monthly payment would be approximately $353.35, with approximately $29,681.21 in total payments, including $4,681.21 in interest charges.
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