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Auto Loans

New car. Used car. Refinance. We can help.

  • Fixed rates and flexible terms
  • Loans for dealership or private auto sales

Apply nowCheck application status

See today's Auto Loan rates

Credit union direct lender (CUDL) Logo

Auto Loans

New car. Used car. Refinance. We can help.

  • Fixed rates and flexible terms
  • Loans for dealership or private auto sales

Apply nowCheck application status

See today's Auto Loan rates

Credit union direct lender (CUDL) Logo


New Auto Loan
(2022 and newer)
7.34% - 11.04%
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.
120%
Purchase max loan-to-value The highest percentage of the collateral's value that can be financed.
150%
External refinance max loan-to-value The highest percentage of the collateral's value that can be refinanced.
Used Auto Loan
(2021 and older)
7.54% - 13.39%
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.
120%
Purchase max loan-to-value The highest percentage of the collateral's value that can be financed.
150%
External refinance max loan-to-value The highest percentage of the collateral's value that can be refinanced.

Rates and terms listed are current as of May 1, 2024. Rates and terms are subject to change at WSECU's discretion.

Calculate your car payment.

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.

Ways to apply

Apply online

Apply for a preapproved amount, or for the cost of a vehicle you already found.

Schedule an appointment

Meet with one of our helpful loan officers to discuss your options.

Work with a dealership

Apply for a loan directly through a Credit Union Direct Lending dealer.

Purchase your next vehicle on your terms

Prequalify to get ahead. When you’re ready to buy, apply for your WSECU auto loan before purchase and be ready to negotiate for your best deal.

  • 1

    Prequalify*

    Complete the first portion of the application for an estimate and no impact on your credit score.

  • 2

    Shop around

    With a loan estimate in mind, you can shop around and plan a budget.

  • 3

    Get preapproved

    Ready to buy? Complete your application and take your preapproval letter directly to the dealership.

  • 4

    Buy your car

    Get the car you want. Easy peasy.

Prequal disclosure

* Prequalification is not available for joint applicants; however, joint applicants may apply for preapproval.

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Cover the GAP

Guaranteed Asset Protection (GAP) can help protect your investment by covering the difference between your vehicle’s value and the amount you owe on your loan. And if your vehicle is totaled, you may be eligible for a $1,000 down payment on your next purchase if you finance with us again.

Include GAP when you apply for your loan, or add it within the first 18 months of your loan by calling 800.562.0999 or visiting your nearest branch.

Have an auto loan you don't love? Refinance.

Want to spend less? We may be able to lower your current rate when you refinance your auto loan with us.

Apply now

FAQ

Click any of the Apply now buttons on this page and apply online, schedule an appointment to meet with a loan officer, stop by a branch or call the Contact Center. You can also apply directly at a Credit Union Direct Lending dealer.

Anyone who is eligible for membership with WSECU may apply for an auto loan.

To prequalify, or to get prequalified, means a lender provides an estimated loan offer without doing a full credit check. Prequalifying won’t impact your credit score. Because the estimate is provided without full credit information, neither the loan amount nor the rate are guaranteed. At WSECU, we can prequalify only individuals and not joint applicants.

Being preapproved, or getting a loan preapproval, means the lender has made a firm loan offer that is valid through a specified time frame. Applicants can accept or reject preapprovals. Getting preapproved is helpful if you want to choose a lender and know your loan terms before making a vehicle purchase.

Yes. If you haven’t chosen a vehicle yet, you can still request to be preapproved for your target loan amount. If you’ve already chosen a vehicle, the application will ask for specific information such as year, make, model and VIN.

The auto loan application will conclude with a message stating that WSECU will be in contact in the next couple of business days. Next steps will vary depending on whether you’re refinancing a vehicle, purchasing from a private party or purchasing from a dealer.

Resources

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