Steps to Financing a Great Auto Loan!

Research: assess your needs. Do your homework on models and prices. Budget: know how much to spend. Get preapproved: This helps when negotiating the price. Refinance: Reduce costs and save money by refinancing.

Love your car but hate the payments?

Refinance your existing car loan from another lender
Rates as low as 6.40% APR*


  • 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

    *Annual Percentage Rate. Rate effective September 1, 2024. Rate includes a 0.25% discount for payments made through automatic deduction by payroll, direct deposit or automatic transfer from shares. Rate is for autos and motorcycles with model years 2019 to 2024. Rate determined by credit history.  Not all applicants will qualify for this rate. Rate and discount offer subject to change without notice. Available to qualified, eligible WCTFCU members. Additional rates and terms available. Payment example: $10,000.00 loan at 6.40% APR for 48 months is approximately $237 a month.

Purchase, Lease or Refinance - New & Used Vehicles


WCTFCU offers a wide variety of competitive vehicle financing options.

  • Great low rates.
  • Flexible terms - up to 84 months on new autos and 78 months on most used autos.
  • Up to 100% financing.
  • Fast application and approval process.
  • Pre-approvals available for added buying power.
  • Save money by refinancing an existing car loan from another lender with WCTFCU. 

Visit our Car Buying Tools page for a complete car buying experience, from research to purchase.  
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!

 

Boat and Recreational Vehicle Loans

We offer competitive financing options for purchases and refinances on Boats, RVs and Travel Trailers.
  • Great low rates.
  • Flexible terms up to 120 months on new models and 84 months on used models.
  • Up to 100% financing.
  • Fast application and approval process.
  • Pre-approvals available to give you more buying power.

Motorcycle Loans

Looking to purchase a new or used motorcycle? Want to refinance an existing loan from another lender? WCTFCU has great rates and worry free financing so you can enjoy the open road while saving money.
  • Great low rates.
  • Flexible terms up to 84 months on new motorcycles and 78 months on most used motorcycles.
  • Up to 100% financing.
  • Fast application and approval process.
  • Pre-approvals available to give you more buying power.