Secured Loans

Have more fun

Whether you need a new trailer or a Jet-Ski, Seattle Metropolitan Credit Union can help you get what you need. SMCU Secured Loans are the right choice for things a standard auto loan won’t cover, like snowmobiles and ATVs.

Secured Loans cover vehicles like:

 

  • Dirt Bikes and ATVs
  • Trailers
  • Jet Skis

 

If it has a title and isn’t covered by our regular auto, boat, or RV programs, an SMCU Secured Loan is the thing for you.

Call (800) 334-2489 to find out out how low your payments could be.

 

Apply Now. Get an Answer Fast.

Getting your loan at SMCU could not be more simple. There are three easy ways to apply:

 

Online

When you are ready to apply, head over to our online loan application to get started. Answer a few short questions, hit submit, and you’ll usually have an answer in just a few minutes.

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By Phone

Call our specially-trained loan experts, who are happy to answer any questions you might have. They can take your application and get you a decision while you wait, in most cases. Call 855-575-9352 to get started.

In Person

Stop by any of our convenient branches to talk with our helpful, friendly branch representatives. They can help you figure out which loan is right for you and get you a decision fast.

save money

Low Rates Mean Big Savings

Because Seattle Metropolitan Credit Union is a not-for-profit financial cooperative, our primary goal is offering our members the best deal we can, rather than trying to squeeze every last cent from them. That means that SMCU has Secured Loan rates that are among the best in the Puget Sound. You can save hundreds, even thousands of dollars each year by financing your dirt bike or trailer with SMCU versus other lenders. That means more money for you to get out and enjoy your play time.

 

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Protect Your Loans and Your Good Name

Unexpected events, like an illness or emergency, can wreak havoc on your short-term finances. When you borrow from SMCU, you have access to special products designed to help you weather the storm.

 

Anytime Skip-A-Pay

SMCU’s innovative Anytime Skip-A-Pay program allows you to skip up to two loan payments every twelve months with the payment of a small processing fee. Anytime Skip-A-Pay gives you the flexibility to deal with unforeseen expenses like home repairs or unusually large credit card bills without causing any damage to your credit score.

 

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Debt Protection

When you get sick or lose your job, monthly bills can pile up quickly. When you add SMCU’s Debt Protection to your loans, you get peace of mind knowing that your loan payments are covered while you get back on your feet. You can finance the cost of coverage into your loan for just a few dollars each month.

 

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Mechanical Breakdown Protection (MBP)

MBP, also known as Extended Warranty, can cover repairs and unexpected mechanical breakdowns and enhances existing manufacturer’s warranties. MBP can come in handy when you purchase a new or used car. All of SMCU’s MBP plans come with roadside assistance, rental car allowance, paintless dent repair, and windshield repair. Zero deductible plans are available.

 

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GAP Advantage

If you are in an accident in which your car is totaled, a GAP policy will usually pay the difference between what you owe on the loan and what the insurance company says the car is worth. GAP is particularly valuable when you buy a brand new car, as they depreciate most quickly in the first year of ownership and could leave you with a sizable bill in the event of a crash. 

 

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Dirt Bikes and ATVs

If your bike or ATV isn’t able to be licensed for on-road use, it is covered by our Secured Loan program. If it is, regardless of whether it will be used off-road or on the street, it qualifies for our Auto Loan program.

 

Other Vehicles

Other types of vehicles may be able to be used as collateral for a Secured Loan. If you have questions about whether yours is eligible, call one of our Loan Representatives at (800) 334-2489.

 

Rates

 

Auto Loans as low as*

 

1.49%APR

Certificates as high as

 

2.02%APY

Checking as high as*

 

6.14%APY

Credit Cards as low as**

 

7.49%APR