Summer is road trip season—and for many, it’s also car-buying season. Whether you’re eyeing that family SUV, a sleek commuter, or just something that gets better gas mileage, don’t sign on the dotted line until you talk to us.
At White River Credit Union, our Meet It or Beat It auto loans are here to make your next ride even sweeter. If you’ve got a car loan offer, bring it to us and we’ll meet or beat that rate, up to 1%* lower than your current auto loan. That means lower monthly payments, less interest, and more freedom to spend summer doing what you love.
What is a Meet It or Beat It Auto Loan?
Great question. Our Meet It or Beat It Auto Loan campaign is simple and designed with one goal in mind—saving you money.
If you’re shopping around and receive an auto loan rate from another financial institution, we’ll match it or beat it by up to 1%*. We want you to get the best deal possible—and we believe that should come with a smile from someone who knows your name, not a giant bank logo.
Example: Got a 7% loan rate from another lender? If approved, we could potentially drop that to 6% (based on approved credit)—and that difference adds up over time.
Already have a car loan elsewhere? We can refinance your current auto loan and potentially lower your rate. No need to buy a new vehicle to take advantage of this deal.
Why auto loans matter more than you think
When you’re buying a car, it’s easy to focus on the sticker price and monthly payment, but the interest rate on your loan can make a huge difference in what you pay over time.
According to Experian’s latest data, the average interest rate for a used car loan hovers around 7-8%, depending on your credit score, which means the lender ends up with much more of your hard-earned money than you do.
That’s where our Meet It or Beat It auto loans come in. A lower rate saves you cash, helps you pay off your vehicle faster, and puts more money back in your budget each month.
Why WRCU auto loans are different
We’re not like the big guys. As a member-owned, local credit union, White River Credit Union makes decisions right here on the Plateau, not in some corporate office five states away.
Here’s what sets our auto loans apart:
- Local decision-making means quicker approvals
- Personal service—you’ll work with real people who live and work in your community
- Flexible terms to fit your budget
- Easy refinancing to help you lower your current rate
- Up to 1%* off your current or offered rate through Meet It or Beat It
You can learn more about our auto loans here.
Who can take advantage of this offer?
If you live in or around Enumclaw, Buckley, or anywhere on the Plateau, you’re eligible. This offer is available for:
- New car buyers
- Used car buyers
- Current vehicle owners looking to refinance their existing auto loan
And yes—this applies whether you originally financed your car through a dealer, a bank, or even another credit union. As long as you bring us the loan or loan offer, we’ll do our best to meet or beat it.
How to get started with Meet It or Beat It
Getting started with our Meet It or Beat It auto loan campaign is simple:
- Check out your current auto loan rate.
- Apply online or visit us in person at our Garrett Street branch.
- Let us beat that rate—up to 1%* lower!
- Drive away happy (and save money).
You can start by visiting our Auto Loans page for more info and to apply today.
Refinance and save, even if you already own your car
Already bought your car and feeling stuck with a high rate? We’ve got good news—you’re not stuck. Our refinance option gives you a second chance to get a better deal, lower your payment, and even pay off your car faster.
What to bring when you apply for an auto loan
To help us meet or beat your offer, bring:
- Your current loan offer or your existing loan details
- Proof of income or employment
- Vehicle information (VIN, mileage, make/model)
Not sure where to start? Just give us a call or stop by—we’re happy to help walk you through it.
Community lending that puts you in the driver’s seat
At White River Credit Union, we’ve been helping our Enumclaw and Buckley neighbors thrive since 1952. Our Meet It or Beat It auto loans aren’t just about offering lower rates—they’re about keeping more money in local pockets. Whether you’re buying new, used, or refinancing, we’ll work to beat your current or quoted rate by up to 1%* —because people come before profits around here. So before you sign with a big-name lender, swing by your hometown credit union. Let us beat that loan offer today.
*On Approved Credit/Annual Percentage Rate
