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
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
Auto Loan Rates
New Auto Loan Rates
(2022 and newer)
Used Auto Loan Rates
(2021 and older)
Rates and terms listed are current as of October 18, 2024. Rates and terms are subject to change at WSECU's discretion.
Calculate your car payment.
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.
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1
Prequalify*
Complete the first portion of the application for an estimate and no impact on your credit score.
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2
Shop around
With a loan estimate in mind, you can shop around and plan a budget.
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3
Get preapproved
Ready to buy? Complete your application and take your preapproval letter directly to the dealership.
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4
Buy your car
Get the car you want. Easy peasy.
Prequal disclosure
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.
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.
No.
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.