Auto Loan Rates
| Type of Loan |
Annual Percentage Rate |
Max Loan-to-Value |
Loan Maximum |
Repayment Maximum |
New
Models 2021 and Newer |
5.94% - 8.54% |
125%* |
$250,000 |
Up to 84 Months |
Used
Models 2020 and Older |
6.39% - 12.39% |
125%* |
$250,000 |
Up to 84 Months |
Used
2020 and Older
100,001 to 175,000 miles |
7.64% - 13.64% |
125%* |
$250,000 |
Up to 72 Months |
Classic
20 Years or older |
7.64% - 10.44% |
80%** |
$250,000 |
Up to 72 Months |
Rates and terms listed are current as of March 10, 2023. Rates and terms are subject to change at WSECU's discretion.
*New/Used Vehicle Purchases: Maximum advance may include the sales tax, license and warranty, up to 130% of vehicle value, depending on credit history.
**Classic Vehicle Purchases: Maximum advance is 80% of JD Power "Average Retail," 80% of KBB "Adjusted Retail," or 80% of written appraisal.
