Vehicle Loans
New or used, purchase or refinance
Here’s what we offer:
- New financing rates and terms for vehicles up to two years old
- Used financing rates and terms for older vehicles
- Apply online through our mobile or desktop application
- Fixed rates and flexible terms
- Apply on the spot at participating CUDL dealers
Check the status of your auto loan application
Auto Loan Rate Tables
New Auto Loan (2016 and newer)
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See definition for Annual Percentage Rate (APR) Annual Percentage Rate (APR)4.25% - 12.78%*
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See definition for Purchase max loan-to-value Purchase max loan-to-value125%
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See definition for External refinance max loan-to-value External refinance max loan-to-value130%
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See definition for Max amount Max amount$250,000
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See definition for Payment period Payment periodUp to 84 months
More Information
Used Auto Loan (2012 - 2015) (rate: used auto)
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See definition for Annual Percentage Rate (APR) Annual Percentage Rate (APR)4.50% - 12.78%*
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See definition for Purchase max loan-to-value Purchase max loan-to-value125%
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See definition for External refinance max loan-to-value External refinance max loan-to-value130%
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See definition for Max amount Max amount$250,000
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See definition for Payment period Payment periodUp to 84 months
More Information
Used Auto Loan (1999 - 2011)
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See definition for Annual Percentage Rate (APR) Annual Percentage Rate (APR)4.60% -12.78%*
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See definition for Purchase max loan-to-value Purchase max loan-to-value125%
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See definition for External refinance max loan-to-value External refinance max loan-to-value130%
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See definition for Max amount Max amount$250,000
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See definition for Payment period Payment periodUp to 84 months
More Information
Maximum advance may include sales tax, license, and warranty, depending on your credit history. Your rate and the financing terms (such as Loan-To-Value, Maximum Amount and Payment Period) that you qualify for will be determined by your personal credit history, vehicle mileage, loan term, collateral and vehicle age. Proof of income may be required. All loans are subject to our lending policies.
*Rates quoted are for loans with automatic payment. Rates for all loans without automatic payment will be 0.25% more.
Financing available for vehicles 20 years in age or older. Call our Contact Center or visit a branch for details.
Equity Take-Outs: We will finance up to the LTV listed for purchases per loan type.
Payment examples:
New Auto: $16.46 per $1,000 at 5.74% APR for 72 months
Used Auto: $16.64 per $1,000 at 6.14% APR for 72 months
Classic Auto: $17.27 per $1,000 at 7.44% APR for 72 months
Rates and terms listed are current as of November 19, 2018. Rates and terms are subject to change at WSECU's discretion.