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reclaim your financial footing

Life moves at a fast pace these days, and strong credit is often an important part of handling both day-to-day living and unexpected events. Your credit score doesn’t only impact your rate on loans, it can affect the price you pay for car insurance, your rent deposits, even your cable or cell phone plans. Because Seattle Credit Union understands that sometimes bad credit happens to good people, we can help you strengthen your credit and get back to managing life’s expenses on your terms. The result? New habits and tools that can lead to even better rates over time.

Seattle Credit Union has built programs that help you rebuild and recover in all the key areas that should make your life a little bit easier and help you prosper*.

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Products to get you restarted

If you're ready to get back on track, we're making that first step easy. Don't worry, you won't need a perfect credit history to apply. We've designed these products specifically to help people with credit challenges get on the path of rebuilding and headed towards a prosperous future*. If you have any questions, ask one of our friendly financial experts by calling 206.398.5500.



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Restart Credit Card

With our Restart Credit Card you can carry a credit card for emergencies and other expenses. When you pay your monthly payment on time, you’re taking a big step toward repairing your credit. Stop by one of our branches or apply here.

Click Here to Apply

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Restart Auto loan

Ready to get back on the road but concerned about qualifying? Let us help you put your concerns in the rear view mirror*.  Seattle Credit Union knows that not everyone has a perfect credit history, which is why we offer the Restart Auto Loan. Ask at a branch or apply online.

Click Here to Apply

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RESTART Checking Account

A checking account is the center of your finances and a tool to help you manage your money. You can set up automatic bill payments, see information about your spending patterns or deposit checks anywhere from your device. If you don’t have a checking account, or need one that fits you better, we have checking accounts that are right for you.

Open Checking Account


* Subject to credit underwriting and approval


Once You Get On Track, Stay On Track

Here are a few more ways to keep your finances in good shape:

Budget – Whether you use budgeting software or you keep a written log, developing a budget and tracking how much you earn versus how much you spend is a first step.

Know Your Credit Score – Check your credit score every year – something you can do for free at That way you’ll know where you stand and focus on improving it if you need to. Also, check for fraudulent activity so someone else doesn’t drag down your credit score.

Simplify Your Finances – If you have too many credit cards open, or too many high-interest payments, try to consolidate and close unused accounts. Talk to us about loan consolidation, which could save you money.

Save – Put your savings account to use and save as much as you can each month. Even small amounts add up. Make sure you have an emergency fund.Whether it is a standard savings account or a money market account, we can help.

Plan For Retirement – It’s never too late to save for retirement. Set up a 401(k) or an IRA so you have safe money for your later years Check out our suite of products to help you set aside money for the future.


Auto Loan Calculator

Use this calculator to help you estimate your payments and the amount of interest you'll pay on your auto loan.

The information provided by this calculator is intended for illustrative purposes only. You may wish to consult a financial advisor for additional information and advice prior to relying on the results. Seattle Credit Union gives no warranty, express or implied, as to the accuracy, reliability, and completeness of any information. The calculated results are not guaranteed to be accurate. Calculators are provided as a free service to our users. The results are not to be construed as an offer to extend credit or services to any individual by Seattle Credit Union.


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Enjoy the Freedom to Skip a Payment

We have all experienced the headache of an unexpected expense like an unforeseen car repair or a medical expense. Sometimes that means choosing between paying that expense or paying a car payment. Seattle Credit Union can help you avoid that choice.

Every Seattle Credit Union auto loan comes with Skip-A-Pay, which allows you to skip up to two payments every 12 months when you need to. For a small processing fee, you can request to skip a payment with no negative impact to your credit report.

Learn More
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We offer application flexibility:

Apply with a Social Security Number or ITIN

Whether you are looking to get a credit card; buy a car, truck, SUV; or even finance a boat or RV, Seattle Credit Union has options for applying with a Social Security Number (SSN) or an Individual Tax Identification Number (ITIN). We offer the same great products with lower rates and fewer fees than you'll find at most dealerships or banks regardless of how you apply. Let us help you finance your next major purchase. If you are ready to get started, talk to a friendly lending expert today by calling us at 855.575.9352.

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Por favor llame al 206.398.5594 para comunicarse con nuestros representantes que hablan Español a fin de obtener detalles o si tiene preguntas.

Apply Now. Get Answers Fast.

Getting your loan at Seattle Credit Union could not be more simple. There are three easy ways to apply:

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By Phone

Call our specially-trained loan experts, who are happy to answer any questions you might have. They can take your application and get you a decision while you wait, in most cases. Call 855.575.9352 to get started.

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When you are ready to apply, head over to our online loan application to get started. Answer a few short questions, hit submit, and you’ll usually have an answer in just a few minutes.

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In Person

Stop by any of our convenient branches to talk with our helpful, friendly branch representatives. They can help you figure out which loan is right for you and connect you with a loan expert or help you apply online to get you a decision fast.

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