Loans at Express

Exclusive member savings on car insurance. Get a quote.

*These links will take you away from the Express Credit Union web site.

ECU can finance vehicles 12 years or newer with max 150,000 miles. To apply log into your e-teller account and complete loan application or call us and request an application be mailed or e-mailed to you. Loan Department will also require a copy of your most recent pay stub during processing the application. Interest rates and value limitations are based on credit score, year of vehicle, capacity and credit history. E-mail our loan department or call 206-622-1850 to find out more.


Apply for an Express CU Loan NOW!*

Printable loan applications can be found at the bottom of this page in both Spanish and English.

Upon completion of your application, you will be contacted by one of our representatives.

Vehicle Loans

Buying a car with a loan from Express CU is easy! At Express, we know that buying a car can be complicated and confusing – we want to help you save money by getting the best deal on your car and a lower interest rate to keep your monthly payments affordable. For your convenience, we also offer easy, electronic payment plans at no charge.

Before you go to an auto dealer work with Express CU first – talk to our loan officer or one of our community member service reps today!

New/Used Vehicle

Express CU offers loans for new or used vehicles with a variety of rates and terms.

Pre-approval to help you improve your buying options

We can help you determine the value of the vehicle you are purchasing – We use the N.A.D.A. guide.

Participate in Credit Union Direct Lending (CUDL). Please ask participating dealers for details.

GAP Insurance

Guaranteed Auto Protection Insurance, or GAP Insurance, protects you against financial loss in the event that your car is damaged beyond repair or stolen and never recovered.

New/Used RV, Motorcycle, Boat

Express CU offers competitive rates on new or used recreational vehicles (RVs), motorcycles and boats

Click for important information about rates, fees, and other costs.


Personal Loans

Express CU offers a wide range of personal loans to meet your needs. Use a personal loan to purchase home appliances, pay medical bills, emergency expenses, purchase a computer, or for a variety of other reasons.

We also offer loans to help build your credit history or to help you consolidate multiple bills into a single payment. The amount of your loan and interest rate are subject to qualifications. For your convenience, we offer easy, electronic payment plans at no charge.

Payday Alternative Loan

The Payday Alternative Loan is a small dollar, short term loan product designed to help when money is needed right away during emergencies. You must be a current member with at least 6 months continuous direct deposit from the same source.

Members can receive a loan of up to $750.00 and pay a 15% flat fee on the amount borrowed. You have up to 90 days to pay off the loan with payments that are linked to your direct deposit.

New Features!!!

Now available– Four month repayment! Would you like to have one month’s payment in a savings account once your loan is repaid? By opting into a four month repayment, a portion of each month’s payments will be automatically deposited into an emergency savings account. This action creates a savings for you to use once your loan is paid off.

Starting July 2015– All members who pay off their loan on time will receive a $25 refund in the form of a deposit into the Save to Win CD. With the $25 deposit into this special CD you will get one entry into our monthly local and statewide drawing and could potentially win $1000! We encourage you to deposit more on top of what is deposited for you in order to increase your chance of winning! For Save to Win prize and payout information applicable to participating Washington State credit union members, please Click Here.*

Debt Consolidation Loan and Credit Card

The Trust Card is a unique credit card designed specifically to get you out of high interest credit card debt as quickly as possible.

The loan officers at Express will support every step of the way. You will work together with our Loan Officer to establish a payment that’s affordable but ensures your debt is paid down rapidly. This combination of Rapid Repayment and expert advice will get you out of debt and keep you out of debt. On average ECU members have saved $6,800 in interest by consolidating their debts with this product.

Take Action today! Apply online or email our loan department directly if you have further questions at

Signature / Unsecured Loans

If you need money for home appliances, medical bills, computers, or if you are just a little short for this year’s vacation plans – a signature loan may be the answer. Fixed rates and monthly payments are designed to help you pay for the things that you need or want today without using potentially higher rate credit cards or store financing.

Credit Builder Loans

This loan option is a way to build a credit history and establish an emergency cash fund all in one!

The amount of money borrowed for this loan is deposited to your share savings account or CD at Express Credit Union and is ‘frozen’ until the loan is paid in full. Your borrowed money earns interest while it is held for you.

You make monthly payments on the loan and we report this to the credit reporting agencies – giving you a credit history. At the end of the loan, the cash in your account is ‘unfrozen’ and yours to use or save as you wish.

This is a great loan for you if you are a first-time borrower, trying to re-establish your credit, improve your credit score, or if you want the discipline of a forced savings plan.

Cash Secured Loans

Similar to our Credit Builder Loan we loan you money secured by cash you deposit to your share savings account or CD. The cash used as security on the loan does not have to be your own – even family or friends may help you by depositing money at Express Credit Union and agreeing to have it ‘frozen’ until you repay your loan in full.

US Citizenship Loans -Immigration Financing

The US Citizenship application fee is $725 per person and this can be a lot to pay all at once if you are applying for multiple family members. If you don’t have the money for the application fee and don’t qualify for other assistance, ECU can help by providing you with a loan that can be repaid over 9-12 months. You can also apply for a loan for $1,225 to cover the application fee for Permanent Residency. If you need assistance to pay for attorney’s fees, we may be able to help finance some of those costs as well. Apply now to see how much you qualify for. Also, please see our immigration financing page for more information.

D.A.C.A. Loans (Deferred Action for Childhood Arrivals)

ECU is partnering with 21 Progress to provide the needed $495 in an affordable loan to pay for the application process. Please contact 21 Progress to learn about their Build Your Dream program, 206-829-8482.  Special requirements apply.

Holiday Loan

Our annual Holiday Loan product is offered starting every October and runs through the end of December. This loan product is designed to help with the high costs of the Holiday Season but also help you start saving for the next Holiday season. The Holiday Loan is for amounts up to $1,000 @ 12.00% APR with a 10 month repayment period. At the same time of receiving the funds of the loan you’ll also have a Holiday Club Account opened in your account. You can start using that to make deposits for next year as soon as you’d wish. We’ll also help you with the savings! $25 of each month’s payment towards the loan is automatically deposited into the Holiday Club Account. Therefore by the time the loan is paid off after 10 months you’ll have $250 for next year! Disclosures and restrictions in regards to the Holiday Club Account will be provided to you at the time of opening.

Click for important information about rates, fees, and other costs.

**Qualifications will be determined by individual creditworthiness including, income, debt ratio, employment and credit history. Verification of income may be required. Must be 18 years of age.


Click here to print a copy of the ECU loan application. Completed applications can be mailed in, emailed to, or faxed to 206-622-2073.


Haga clic aquí para imprimir una copia de la solicitud de préstamo de ECU en español. Aplicaciones completadas pueden ser enviadas por correo electrónico a o por fax al 206-622-2073.