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Important Notifications

Auto Loans

Mother and daughters eating donuts in back of their car

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
  • Maximum loan amount of $250,000
  • Payment period up to 84 months
  • Apply on the spot at participating CUDL dealers  

Apply now

See today's Auto Loan rates

Check the status of your auto loan application

Payment example


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.


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

Click any of the Get my rate buttons on this page to sign in to Online Banking 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.

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

At the end of the auto loan application, you’ll see a message stating that WSECU will be in contact in the next couple of business days. The next steps could vary depending on if you’re refinancing a vehicle, purchasing from a private party or purchasing from a dealer.

What Our Members are Saying

"After trying to refinance two auto loans that were financed at another bank and it taking them over two weeks to provide me a rate and term, I walked into WSECU and got approved for both refinances at half the rate and a better term within one hour. WSECU completely met my needs. It was relief to me and the staff are fabulous!"
WSECU Member


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