Change Your Credit, Change Your Life!

Financial Coaching



Our mission is to help you achieve financial success by providing a variety of resources and tools to help manage your finances. At Express Credit Union, we understand that no single solution fits every person’s circumstances. Express Credit Union has partnered with Change Machine -- a nonprofit organization that builds financial security in communities across the country -- to provide free financial coaching!

Together with our partners at Change Machine, we will customize a strategy to help you meet the complex financial challenges life presents. The cool thing is you don’t have to be an Express CU member to access Change Machine Financial coaching!!


We can help... Schedule your NO COST Financial Coaching Session Today!

Change Machine coaches speak English AND Spanish!
¡Los entrenadores financieros de Change Machine hablan inglés Y español!

Do you want to:

  • Save for emergencies?
  • Increase your savings?
  • Buy a house?

Do you need help with Budgeting? Do you find yourself saying:

  • I don't have enough money
  • I don't know where my money is going
  • I need to open an account
  • I don't know which account to open

Or do you want to work on your credit? Would you identify with any of the following phrases?

  • I have bad credit
  • I don't know what my credit score is
  • I need to manage and reduce my debt
  • I want help understanding my credit report
  • I need help establishing credit

If you answered YES to any of the above questions or statements, then a Financial Coaching session with our partners from Change Machine may be the perfect 1st step.

How to get started!

  • Call 877-695-4447 to speak with a financial coach If no answer leave a voicemail for them with your Name and Phone Number and they will get back to you with 24 hours, Monday through Friday, to set up your first appointment.
  • Set up your appointment online NOW with Change Machine!
    Schedule Now
  • ¡Programe su cita ahora con Change Machine!
    Programar ahora
  • Are you an Express CU member?! Call Express CU 206-622-1850 and a representative would be HAPPY to schedule the appointment for you!
  • If you’d like to meet with a financial counselor from Express CU please complete the Financial Counseling Referral form*. Save the PDF and then e-mail to financialcounseling@expresscu.org and our financial counselor will contact you within 3 business days. If you have any questions, please call 206-622-1850 or send us an e-mail.


Suspended Driver's License Personal Loan Program

You're not alone. Let us help you pay those unpaid fines and fees to help you reinstate your driving privileges.

Do you have a suspended license due to unpaid court fees or fines? You're not alone, over 500,000 people in Washington state have been unfairly impacted by past state laws.

Our mission is always to support the community through hard times through accessible and fare priced accounts and loans, no matter what life throws at them.
That's why we developed our Suspended Driver's License Personal Loan Program.

Our Suspended License Loan Program will help you get your license re-instated by paying the unpaid fines, fees, and other re-registration costs.


How does the program work and how can I qualify?

  • Unsecured loan that provides up to $3,000 paid directly to fines, fees, and/or other re-registrations costs
  • No minimum credit score required
  • Interest rate set at 14% APR for all applicants
  • Visit with a FREE financial Coach with Change Machine, prior to taking out the loan and we'll give you 1% discount on your interest rate. Interest rate would then be 13% APR.
  • Continue with the financial coaching, attend at least 3 sessions in total, and we'll deposit $50 into your savings after you get the loan and complete all the sessions.

Not a member? That's okay! You don't have to be a member to apply. If approved, we will help you open an account with Express and sign loan documents at the same time.

Regain the freedom that comes with driving and apply for our Suspended License Personal Loan today. Our team is ready and waiting to help you get back on the road. If you have questions and aren't ready to apply, that's ok. Send us an email at loans@expresscu.org or call us at 206-622-1850 between M-F from 10am-5pm and we can talk to you more about the program.

Apply for the Suspended License Personal Loan

For Non-Members, click the Non-Member button, immediately after clicking the link above, to complete your application

Interested in receiving the 1% rate discount? Scroll up and click "schedule now" to set up a free appointment with a financial coach at Change Machine. You will need to tell the coach you are wanting to participate in the Suspended License Loan Program with Express CU. Upon completion of your session, you'll receive a certificate of completion. Share that with the Express CU loan officer and when approved you'll get the 1% discount on your APR, interest rate. The financial coaching sessions are free of charge.

*Must be 18 years of age to qualify for a loan. All loans are subject to credit approval. Express reserves the right to change, modify or end this promotion at any time. To get the 1% rate discount must provide completion certificate from financial coach. To get the $50 deposit you must provide completion certificate showing at least 3 sessions completed. ALL financial coaching sessions are FREE. Must complete application and provide income verification. Payment will be made directly to fine or fee owed in order to reinstate license, statement or documentation with amount owed and where to send payment will be required. Other restrictions apply. See credit union for details. Federally insured by NCUA.