90 Day No Pay Auto Loan Campaign
Get on the Road to Adventure!
Don't worry about your car payments for 90 days.
**


Apply online or at a branch.
Questions?  Call the Loan Department at 800.992.2226  Ext. 2077

*Annual Percentage Rate. Rate effective 7/1/2025.
**Interest accrues once the loan is closed but no payments are due. Rate is on a 48-month term loan and is the lowest offered and includes a .25% discount or automatic payment option. Interest rate calculations based on borrower’s credit history. Other rates and terms available. Promotion begins 7/1/2025 and is subject to change without notice. Members must be in good standing.
1Same day approval based on standard credit union business hours.
  Equal Opportunity lender.




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Love your car but hate the payments?

Refinance your existing car loan from another lender

  • Refinance for a Better Rate! Refinance with WCTFCU to lower your rate and your payments. Plus, save on interest over the life of the loan.
  • Customized Financing. Excellent credit? Credit challenged? We may be able to customize a loan to fit your budget.
  • Less than perfect credit? Give us a call! We are here to help you get the loan you need and offer steps to help you improve your credit score.
  • Online Application - Secure, quick & easy - processed by our local, friendly Lending Department.
  • Calculate your savings by using our helpful Auto Loan Calculator, Auto Refinance Interest Savings Calculator Loan Comparison Calculator.
  • Protection for your loan: Gap Insurance & Extended Warranty are available.

    Apply online now

GAP Insurance

Guaranteed Asset Protection (GAP)  protects your assets and can possibly save you thousands of dollars.

GAP insurance is low-cost coverage that pays the difference, or the "gap", between your insurer's settlement and your loan balance if your vehicle is stolen, accidentally damaged beyond repair or otherwise declared a total loss.


Extended Warranty

An Extended Warranty, is also called Mechanical Breakdown Protection (MBP). Should your vehicle experience a failure after the manufacturer's warranty expires, without an extended warranty you will have no protection from the unexpected repair costs that can be in the thousands of dollars! Vehicles today are growing extremely complex and contain high-tech sensors, electronics and computers that frequently suffer unexpected failure and need to be replaced. While engines and transmissions are more reliable than ever, it's these other sophisticated parts that frequently fail. As vehicles become increasingly more complex, associated repair costs rise dramatically!