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Holy cats, we've got smart auto loans

Here We Grow

Holy cats, we've got smart auto loans

Here We Grow

Shopping for your first auto loan?

When thinking about how to finance your first car, a WSECU auto loan is a smart, stress-free choice that can help you build credit while you hit the open road. We're all about answers, not judgment, and are here to guide you through the process. We offer:

Apply now

dog and cat wearing sunglasses inside a car

New car. Used car. WSECU can help.

Have you considered a previously loved car vs. a new car? We offer competitive rates and terms on auto loans for just about any age vehicle. Right off the lot or gently used, our handy auto loan calculator can help you determine a payment you're comfortable with.

New car. Used car. WSECU can help.

Have you considered a previously loved car vs. a new car? We offer competitive rates and terms on auto loans for just about any age vehicle. Right off the lot or gently used, our handy auto loan calculator can help you determine a payment you're comfortable with.

Auto Loan Calculator

How much can I borrow?

Enter the loan amount and we'll calculate your monthly payment, or enter your desired monthly payment and we'll tell you how much you can borrow.

What is your desired monthly payment?

This is the amount you pay monthly for the length of the term.
Enter in a dollar amount

How much would you like to borrow?

This is the total loan amount.
$
Enter in a dollar amount
Enter in a dollar amount

How much can I borrow?

The amount you will pay towards the loan monthly.
Enter in a dollar amount
Enter loan amount instead
The amount of money loaned.
Enter in a dollar amount
Enter monthly payment instead
The amount you'll pay each year to borrow the money, expressed as a percentage. Your actual rate may vary. See rates for this loan type for other options.
Enter in a percentage
The duration of time it takes to pay off the loan in months.
Enter in a number between 1 and 360

Principal & Interest Over Time

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify.

Get financed and behind the wheel in 3 steps:

  • 1

    Decide on a vehicle

    Having an idea of what you're looking for helps you estimate how much to borrow.

  • 2

    Get preapproved

    Apply online. Having a preapproval in your back pocket lets you shop with confidence.

  • 3

    Mission accomplished

    Consider setting up automatic monthly auto loan payments, sit back, and enjoy.

Apply for Auto Loan

We help pave the way with answers, not judgment.

Getting your first auto loan is a legit trip. Got questions? Check out these articles that'll put you in the driver's seat in no time.

FAQS

Anyone eligible for WSECU membership can apply for an auto loan.

WSECU is proud to offer a vehicle lending program designed for members with very little credit history. In order to qualify for the first-time buyer program, you must have less than one full year’s worth of credit history, must have been employed for a minimum of six months at your current job, earn a $2,000 minimum gross monthly income, and the total loan amount you apply to borrow cannot exceed $25,000. Other exclusions and guidelines apply. Please speak to a Loan Officer at 800.562.0999 for more information. We’re here to help.

Your auto loan preapproval offer is good for 30 days from the date of your application submission.

No, we never charge prepayment penalties.

Apply now with our easy online application.

Yes. It is not necessary to have a car in mind to be preapproved for a loan.

At the end of the auto loan application you'll see a message stating that WSECU will contact you within 1-2 business days. Next steps may vary depending on if you are purchasing with a dealer or a private seller.

What our members are saying

"I've gotten multiple car loans from WSECU. They have always been very helpful and easy to work with."

Misty

WSECU member

"I have banked at WSECU for 12 years. They have never steered me wrong. I bought a house and car through them. I absolutely love their customer service and would recommend them to anyone and everyone."

Megan

WSECU member

All you need to grow

One-stop financing

From test drive to financing, complete the deal in one visit with Credit Union Direct Lending (CUDL).

Find a dealer

Get your best rate

Don't let the dealer decide your rate for you. Get your first auto loan with payments you can afford.

Get your best rate

Shop for insurance

We'll compare plans from top-rate insurers and give you a free quote online within 15 minutes.

Get a quote

A credit union with benefits

Anyone can apply for an auto loan with WSECU but being a member has perks. We're a member-powered, federally insured, not-for-profit credit union. We work for you, not shareholders.

Join today

Your perspective is important to us and helps us see where we’re hitting the mark and where there might be areas to improve.