Harborstone Credit Union: No One Takes Better Care of You
Auto Concierge

Vehicle Loans

Affordable financing for new and used vehicles with no application fees.
Loans are available for cars, trucks, boats, RVs, motorcycles, and airplanes.

You may already be preapproved for enticing Harborstone loan offers. If you're a current Harborstone member, simply log in to your Online Banking account and look for the "My Offers" tab along the top of the web page to view your current offers. When you're ready to take advantage of your preapproved loan, all you have to do is click "Accept Offer."

  • Auto Pass Loan
  • Financing
  • Inventory Search
  • Vehicle Research
  • GAP and Debt Protection

What is Auto Pass?

Get Preapproved

Auto Pass is an amazing auto loan preapproval program offered only at Harborstone Credit Union. Think of it as your personalized exclusive passport to your new vehicle. The smart way to buy a car.

With Auto Pass, you can purchase your vehicle with confidence. You'll know exactly what you can spend, since affordable financing will be ready before you head to the dealership.

This means that you can go find the vehicle you want, just hand them your Auto Pass certificate, and say, "I'll take it!" rather than apply for a loan or go through the financing process at the dealership.

To get your Auto Pass, apply online now.


How do I get my Auto Pass?

On your mark, get set, go get your preapproved Auto Pass! Click here to start.

Are you a Harborstone member? You may already be preapproved for an auto loan. In fact, Harborstone preapproves thousands of our members automatically every year—just another benefit of membership. You're welcome! Simply log in to Online Banking and click on My Offers to find out!


What will my Auto Pass include?

Your Auto Pass comes with:

  • A preapproved auto loan that is good for 45 days from the issue date.
  • No payments for the first 90 days of the loan. What a deal!
  • The option to skip two auto loan payments per rolling calendar year.

To get your Auto Pass, apply online now.


How do I tell the dealer I’m preapproved?

Once your auto loan is preapproved, you'll receive an Auto Pass certificate. You can either show it on your mobile device or print it out and take it directly to the dealership of your choice.

Your Auto Pass preapproval is good at any dealership, but if you'd like some guidance and recommendations, Harborstone has hand-selected a number of preferred Auto Pass Dealerships.

Start shopping and use the inventory search engine to help you decide.

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All loans and collateral are subject to Harborstone Credit Union lending policies. Loan rates are subject to change based on market conditions and borrower eligibility. Your personalized rate will be based on the loan amount, your credit qualifications, and the amount you're borrowing. Your term is determined by the loan amount and the year of the vehicle. Loans currently financed with Harborstone Credit Union cannot be refinanced with any of these offers. Offer does not apply to vehicles used for or registered to a business. Offers are not transferable and may not be combined with other Harborstone Credit Union offers. Interest will accrue during 90-day-no-payment offer. Not all loans will qualify for the option to skip two payments. Maximum of two skipped payments per rolling calendar year. Other restrictions may apply.

  • Verified by VISA
  • Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
  • Equal Housing Opportunity
  • Harborstone Credit Union is a BBB Accredited Credit Union in Lakewood, WA
(253) 584-2260 OR 1-800-523-3641
P.O. BOX 4207, TACOMA, WA 98438-0207