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Home > Loans & Credit Cards > Auto Loans

Auto Loans

(Applicants must qualify for SnoCope Membership. Click here for more information.)

With competitive interest rates, terms and helpful online tools, SnoCope auto loans makes it simple to get behind the wheel.

Making your loan payment is easy, here's several ways you can do it click here to review several options.

Apply today!

We finance New and Used Autos1

  • Up to 120% 
  • Up to 144 month terms 
  • No mileage restrictions 
  • No age of vehicle restrictions

Vehicle Loans
Effective Date: 2/22/23
Loan Product TermNon-Variable APR
Vehicles New^ Up to 48 Months* 6.50% to 12.00%
Vehicles New^ Up to 72 Months* 7.00% to 12.50%
Vehicles New^ Up to 96 Months* 8.00% to 13.50%
Vehicles New^ Up to 144 Months* 9.25% to 14.75%
Vehicles Used Up to 48 months* 6.75% to 12.25%
Vehicles Used Up to 72 months* 7.25% to 12.75%
Vehicles Used Up to 96 months* 8.25% to 13.75%
Vehicles Used Up to 144 months* 9.50% to 15.00%
*Maximum terms based on amount financed - up to 120% loan to value. For loans of $40,001 and up, we have 15 year terms with 12 year balloon payments available.
^ Never titled and less than 5,000 miles
Classic Cars (20 years or older) Up to 48 Months** 8.00% to 12.50%
Classic Cars (20 years or older) Up to 72 Months** 8.50% to 13.00%
**Maximum term based on amount financed - up to 90% loan to value.

1 APR = Annual Percentage Rate. Rates are subject to credit rating, some restrictions apply. All loans based upon approval of credit (OAC). All rates are subject to change without notice.

Auto Loan Calculator

Lease vs. Buy

*Loans are subject to credit approval, certain restrictions may apply.


Second Chance Auto Loans*

Apply Today!

“Sometimes bad things happen to good people…” Applicants who encountered a life circumstance that impacted their ability to maintain a good credit rating may be eligible under our Second Chance Auto Loan Program. Please note, not all applicants who apply will qualify, certain restrictions apply.

Benefits of our Second Chance Auto Loan Program:

1. A credit score of 639 or lower that does not qualify for SnoCope's regular auto loan program may still qualify under the Second Chance Auto Loan Program.
2. There are no age or mileage restrictions on the vehicle you select.
3. Loans up to $25,000, terms up to 60 months
4. A higher LTV (Loan to Value) for a higher interest rate

*Requirements: On approval of credit. Maximum terms are based on amount financed. Rates based on credit score and loan to value ratio. Values are calculated using MSRP minus rebate, NADA Retail or Purchase Price whichever is less. The maximum loan to value and deal structure is subject to SnoCope lending guidelines and loan officer approval. Rates & Terms may change without notice.

Auto Loan Calculator


Auto Research, Shop Then Buy

AutoSMART - Online Tools Make It So Easy

SnoCope’s dynamic car shopping site has all of the tools you need to guide you through the entire process of buying a new or used car. From finding to financing AutoSMART saves you time and helps you make an informed car buying decision.

SnoCope’s site includes research tools to help you determine the value of a used car like history reports (through CarFax for a fee) and the free Vehicle Value Guide (NADA). You can estimate what you can afford and your monthly payment, you can find thousands of partnering Credit Union Direct Lending (CUDL) dealers near you, you can compare leasing vs. buying, insurance issues, or you can apply for a loan directly from Snocope, plus a whole lot more. With AutoSMART you can shop for any make and model of vehicle right from the comfort of your home on your own computer or from your personal handheld, mobile device.

You no longer have to spend precious time driving from dealer to dealer, or browsing multiple websites to compile information and locate the car you’re interested in. Just click here to expedite the process.



Enterprise Auto Sales

The Best Way to Buy and Finance Your Next Vehicle

SnoCope is a great place to get pre-approved for an auto loan at one of the most competitive rates anywhere in Washington state but did you know that buying from Enterprise Car Sales is totally different than buying from anyone else?

Enterprise quality inventory of vehicles includes more than 250 makes and models, with low mileage and the latest technology and features. Enterprise clearly marks their lowest no-haggle price on every vehicle – the price you see is the price you pay. Their transparent pricing, combined with excellent customer service, puts SnoCope members first and has been the cornerstone of their business for more than 50 years. Every vehicle Enterprise sells is rigorously inspected by an ASE-Certified technician and comes with a 12-month/12,000 mile limited powertrain warranty. Plus, if you buy a vehicle from Enterprise and it doesn’t meet your approval, Enterprise will buy it back, no questions asked. It’s like a Happiness Guarantee?.

Why you want an Enterprise car:

• Get a guaranteed fair price without negotiating.
• Experience true peace of mind
• The Online Kelley Blue Book® appraisal quiz guarantees a fair price.
• Get a detailed vehicle history report on every vehicle.
• Know you can return the vehicle for any reason or switch to another – no questions asked.
• Know your vehicle has additional coverage and help is only a phone call away, if needed.



Auto Loan Protection Options

ConsumerSafe Debt Protection

ConsumerSafe Debt Protection provides an important sense of financial security - knowing your loan will not become a burden in times of hardship.

Guaranteed Asset Protection (GAP Advantage)

Gives you peace of mind by covering the deficiency balance on your loan in the event of a total loss of your vehicle or if your vehicle is stolen.

Mechanical Breakdown Protection (MBP)

Never worry about your auto breaking down again. MBP provides protection against mechanical breakdowns above and beyond the original manufacturer's warranty.

Click here to get an instant quote or for more information and any guidelines that may apply.

*Loans are subject to credit approval, certain restrictions may apply.

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