• Auto & Vehicle Loan FAQ

    • What are the current auto loan rates?

      For our current auto loan rates, please click here. Whether you’re looking to purchase or refinance a car, boat, or RV, Kitsap offers a full variety of personal loans to meet your needs. Follow the links below to learn more and view current rates:

       

      Ready to apply for an auto loan?

      We offer an easy application process—either online, in person or on the phone toll-free at 1-800-422-5852. 

      Click here to get started online today. 

       

      Already have a car loan with another lender?

      We may be able to lower your monthly payments with our simple refinance process. Find out if you can save by switching today.

       

    • Do I have to buy from an auto dealer?

      No, we do finance private sales. Apply for an Auto Loan today! 

      Whether you’re refinancing your current vehicle, purchasing a new one, or one that’s new to you, Kitsap Credit Union offers a variety of new and used vehicle loans to help you drive away with the payments you can afford. 

      Apply now to take advantage of:

      • Competitive rates with terms up to 84 months
      • Fast pre-approvals
      • Knowledgeable loan experts to guide you through on-line and private-party sales

       

    • Can I apply for an auto loan if I have not found the car I want yet?

      Absolutely! It’s a great idea to apply for a preapproval for your car purchase.

      Whether you're refinancing your current vehicle, purchasing a new one, or one that's new to you, Kitsap Credit Union offers a variety of new and used vehicle loans to help you drive away with payments you can afford.

      Apply now to take advantage of:

      • Competitive rates with terms up to 84 months
      • Fast pre-approvals
      • Relationships with local dealerships for quick, on the spot financing
      • Knowledgeable loan experts to guide you through on-line and private-party sales

      Click here to apply now!

       

      Interested in becoming a member?

      Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

       

      You may also need:

    • How do I apply to refinance my auto loan?

      You would simply apply for a new loan to take the place of your current loan.

      Whether you're refinancing your current vehicle, purchasing a new one, or one that's new to you, Kitsap Credit Union offers a variety of new and used vehicle loans to help you drive away with payments you can afford.

      Apply now to take advantage of:

      • Competitive rates with terms up to 84 months
      • Fast pre-approvals
      • Relationships with local dealerships for quick, on the spot financing
      • Knowledgeable loan experts to guide you through on-line and private-party sales

      You can  apply now!

       

      Interested in becoming a member?

      Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

       

    • If I have bad credit, can I qualify for an auto loan?

      There are several definitions of "good credit". We would be unable to know if you qualify until we review your complete loan application. If you have had credit difficulties in the past, the best way to find out if we can assist you is to apply for a loan.

      There is no cost to do so, and our Member Specialists will work with you to help you through this process.

       

      Ready to get Started?

      Apply for a loan, give us a call toll free at 1-800-422-5852 or stop by one of our convenient branch locations.

       

    • Do you have loans for motorcycles?

      Yes, we are proud to offer motorcycle loans!

      Apply for your motorcycle loan online today or you are always welcome to apply at one of our branch locations. Our staff is here to help!

      For more information visit the Auto Loans page of our website.

      If you would like to discuss further options before applying give us a call at 800-422-5852. 

       

      Ready to get started?

      Visit our online application center and apply today!

       

    • How long will it take to receive a vehicle title when I pay off my auto loan?

      Once your final loan payment has cleared, we forward the information to the Washington State Department of Licensing to remove us as lienholder and send you the new title. This process through the DOL can take between 6 and 8 weeks for you to receive your new title.

      If you need something sooner, it’s best to let us know when you are making your final payment. We may be able to provide you with a lien release that you can provide to the DOL. Please feel free to contact us directly if you have any additional questions.

       

    • I am moving overseas and the shipping company for my car needs a letter from Kitsap Credit Union as my lien holder. How do I get one?

      If you are moving overseas or are being stationed overseas and need an authorization letter from us to ship your vehicle, please contact us with the following information to request a letter:

      • The shipping company's address, phone number, and fax number.
      • Your overseas contact information. If this is unknown, we will need contact information for a family member or Power of Attorney holder for you here in the United States.
      • The reason for your move or military orders. Please fax military orders to (360) 307-2182.

      Authorization to ship your vehicle is on a case by case basis. Please allow 3-5 business days for processing.

    • Why did insurance get added onto my loan causing my payment to increase when I already have insurance?

      All vehicle loans at Kitsap Credit Union require insurance. In the event where we may not have received your insurance information, or your insurance is not sufficient based on the terms of your loan agreement we will add Collateral Protection Insurance (CPI) to the account. This will happen if we have not received a response from the notification letters we send.

      Here's how to fix it:

      • Ensure your insurance policy lists Kitsap Credit Union as Lienholder/Loss Payee with the address of PO BOX 58790 Tukwila, WA 98318. (This address is for insurance purposes only.)
      • Ensure your insurance policy includes Comprehensive and Collision coverage with deductibles not to exceed $1000.00.
      • Contact us or have your insurance agent submit your information to www.myinsuranceinfo.com or call (800)-998-0763.

       

      Manage all your bills in one place

      KCU’s Mobile Bill Pay allows you to consolidate all of your bills into one easy-to-use place and manage all of your bills across different websites or apps simultaneously. All your Kitsap Credit Union account details are kept confidential from the people you pay.

      Please view our Mobile Bill Pay page for more information and get started today.

       

    • What insurance requirements do you have for auto loans?

      When you have an auto loan with Kitsap Credit Union it is required that your auto loan insurance policy includes:

      1. Kitsap Credit Union as LIENHOLDER/LOSS PAYEE 
        • P.O. Box 58790
        • Tukwila WA 98138
      2. COMPREHENSIVE and COLLISION coverage on vehicle with deductibles not to exceed $1000.
      3. Collateral must match collateral on loan document.
      4. Policy Number, Policy Period, and Company Name MUST be listed.

      If you need to notify us of your insurance policy, have your insurance agent call 800-998-0763 or visit our verification website www.myinsuranceinfo.com

       

       

    • I have an auto loan with Kitsap Credit Union and I have moved outside of Washington state. How do I register my vehicle in my new state?

      Please visit the Department of Licensing in the state you are registering the vehicle in and let them know Kitsap Credit Union is the lien holder on your vehicle. They will start the process with you which usually includes contacting us with their requirements in order for you to register your vehicle with them.

      They can fax their request to us directly at (360) 307-2200 or mail to:

      Kitsap Credit Union ATTN: Titles
      PO Box 990
      Bremerton, WA 98337

      This process can take up to 6 weeks based on requirements with Washington State Department of Licensing and new state's Department of Licensing.

    • My car is parked in my garage and I don't drive it. Can I waive my insurance on it?

      If you owe more than $3,000.00 on your Kitsap Credit Union vehicle loan, Comprehensive and Collision insurance with deductibles not to exceed $1000.00, will still be required on the vehicle.