Spokane Car Loans

Q: What rate do I qualify for with my credit score?

Your interest rate will depend on your credit score and the loan to value of the vehicle you choose to purchase. You can find a rough estimate of your credit score by downloading apps like Credit Karma and/or Credit Sesame but your true credit score will most likely be different when we pull it for your application. You can get one free credit pull per year (without having to apply for a loan) at https://www.annualcreditreport.com . Learn more about what makes up a credit score and how you can improve it in our blog What Makes up a Credit Score?

A quick & easy car loan process

Rates as low as 5.99% APR*

Apply for a car loan

Our auto loan process is quick and easy and we have some of the lowest loan rates in Spokane! It can be hard to know where to start your car shopping search. We have an online auto shopping center that pulls inventory from local car dealerships throughout the Spokane area. Start shopping from the comfort of your own home and apply online whenever you’re ready.

You can also apply online for the following:

Car loan financing & refinancing

Get pre-approved for your auto loan today to secure your budget and financing. That way when you go car shopping you’ll know exactly what you can afford and have the bargaining power to move forward with the purchase. Our expert loan staff is ready to help you whenever you’re ready!

Looking to refinance your car loan? We offer super low rates, a flexible lending process, and compassionate staff who will make the switch completely worth it. Let us see if we can get you a better deal! Refinance your car loan

If you have any questions, contact one of our expert loan staff at 509.328.2900.

apply for a car loan now

Car loan calculator

Find out what your monthly payment will look like with our easy-to-use car loan calculator! Just put in your total loan amount, loan term, and you’ll get your estimated monthly payment based on our lowest available rate.

Car loan FAQs

We work hard to make sure we get back to you as soon as possible. We will follow-up with you within 1-2 business days.

Your interest rate will depend on your credit score. If you're an exsisting Canopy member you can access your credit score for free with the Credit Score tool from Savvy money after logging into your account. Otherwise, you can find a rough estimate of your credit score by downloading apps like Credit Karma and/or Credit Sesame but your true credit score will most likely be different when we pull it for your application. You can get one free credit pull per year (without having to apply for a loan) at annualcreditreport.com. Learn more about what makes up a credit score and how you can improve it in our blog What Makes up a Credit Score?

Yes, whenever you apply for a loan it is considered a hard pull/inquiry and will have a small effect on your credit score. Find out more about hard pulls and inquiries.

We’ll need your two most recent paystubs, current auto insurance information, and if you’ve already chosen the vehicle you’ll need a purchase order for that vehicle.

Yes.

In general, websites like NADA and Kelly Blue Book are great resources for finding out the true value of your car. We most often use NADA to determine car values (based on VIN #).

There is! We've partnered with Route 66 to offer an Extended Warranty with the most comprehensive coverage available. This extended warranty includes zero deductible, 24/7/365 roadside service, rental car benefits, nation-wide coverage, transferability, and a 30-day money-back guarantee. Their open enrollment also allows you to purchase your warranty at any time during the ownership of your vehicle. Reach out to us at Canopy for more information.

Ready to get your auto loan?

apply for a car loan

*Annual Percentage Rate, may vary based on approved credit, rate includes 1/4% off for automatic payment from a Canopy checking account and 1/4% off for additional services, fixed rates range from 6.99% APR to 17.74% APR. Other rates and terms are available. Example Payment: A $20,000 vehicle loan with a 60 month term at 6.99% APR and a down payment of $3,000 would have a monthly payment of $338.