The weather's perfect, your Auto Loan should be too.
Choose the payment strategy that fits your life, backed by competitive rates and local service.
Low Rates & Flexible Terms
Fast Approval
No Payments for up to 90 Days
Easy Online Process
Financing for every kind of ride.
Whether you’re buying new or refinancing, find the combination of rate, term, and payment that feels right for your budget.
New & Used Auto Loans
Finance your dream car with competitive rates and terms up to 84 months. New or used, we’ve got you covered.
Auto Refinancing
Lower your rate and monthly payment by refinancing your current auto loan. Save money every month.
Motorcycle, Boat & RV
Adventure comes in many forms. Your financing options should too.
Refinance & Save
Lower your payment with refinancing
Already have an auto loan? We can help you save money every month.
Lower your rate
Secure a better rate than what you're currently paying.
Reduce monthly payments
Free up cash for other priorities with a lower monthly payment.
Switch from Big Banks
Experience Member-first service and local decision-making.
Auto Loan Rates
Life’s adventures aren’t one-size-fits-all. Your financing shouldn’t be either.
| Terms | APR* as low as | Estimated Monthly Payment Per $1,000 | Discounted APR*1 As low as | Estimated Discounted Monthly Payment per $1,000 |
|---|---|---|---|---|
| Up to 48 mos | 4.99% | $23.02 | 3.99% | $22.57 |
| Up to 66 mos | 5.24% | $17.47 | 4.24% | $17.01 |
| 67-75 mos | 5.74% | $15.90 | 4.99% | $15.55 |
| 76-84 mos | 6.49% | $14.84 | 5.74% | $14.48 |
* APR = Annual Percentage Rate. Rates are effective as of May 1, 2026 and are subject to change without notice.
1 Discounted Rates stated include discounts for using Wheelhouse Credit Union’s auto buying service, New Cars Inc. (NCI), purchasing any two (2) ancillary products, and setting up loan auto-pay using your Inspired Checking Account. Internal refinances may not be eligible for all discounted rates. Subject to credit and collateral approval. Rates are determined based on credit-worthiness and applicable discounts.
- To qualify for a discounted rate of 0.50% on terms up to 66 months or 0.25% on terms between 67-84 months, you must purchase a new vehicle from our auto buying service, New Cars Inc (NCI), and finance your purchase with Wheelhouse Credit Union.
- To qualify for a discounted rate of 0.25%, you must purchase any two (2) ancillary products.
- To qualify for a discounted rate of 0.25%, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.
Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Membership is required. Federally insured by NCUA.
Drive home a better deal
Skip the haggling. Keep the savings.
Save time, save money, and skip the dealership hassle. Through our partnership with New Cars Inc. (NCI), Members can enjoy a stress-free vehicle buying experience and receive up to a 0.50% discount on Wheelhouse auto loan rates when financing their new vehicle through Wheelhouse.
Calculate your payment
See what your monthly payment could be with our auto loan calculator.
Auto Loan Calculators
Calculate A Vehicle Payment
Compare Two Vehicle Loans
Purchase or Lease A Vehicle
Low Rate or Cash Back?
Compare Monthly Payment by Term
Vehicle Affordability by Loan Term
Gas Mileage Savings With a Fuel Efficient Vehicle
How it works
Getting your auto loan is simple and straightforward
Complete our simple online application in minutes from anywhere.
Receive a quick decision and know your approved amount.
Shop with confidence knowing you have financing ready.
Complete the paperwork and hit the road in your new vehicle.
Protection Beyond The Purchase
Add extra protection for your vehicle and enjoy even more savings. Purchase any two eligible protection products and receive an additional 0.25% APR* discount on your auto loan rate.
GAP Protection
Covers the difference between your vehicle’s value and what you owe if it’s totaled or stolen.
Debt Protection
Helps make your loan payments during unexpected life events like disability or job loss.
Mechanical Protection
Extended warranty coverage for repairs and maintenance after your manufacturer warranty expires.
Discounted rate
Lower your rate with Inspired Checking
Open an Inspired or Inspired Plus Checking Account and set up automatic payments to enjoy a 0.25% APR discount on eligible new loans.*
Need help? We’re here in San Diego.
Multiple ways to connect with us, whenever you need support.
Call Us
Speak with a member service representative
619-297-4835Mon-Fri: 8am-5pm
Sat: 9am-2pm
Contact Us
Reach out and a team member will follow up
Frequently Asked Questions
Answers to your most common Auto Loan questions.
Credit unions are known for offering competitive auto loan rates because they are Member-owned, not shareholder-owned. This structure often allows Wheelhouse Credit Union to return value to Members through lower auto loan rates, flexible financing options, and fewer fees.
Yes. Auto loan pre-approval helps you understand your budget, estimated monthly payment, and available financing options before you visit a dealership. Many buyers find that getting pre-approved for a credit union auto loan gives them greater confidence and negotiating power during the car-buying process.
New Cars Inc. (NCI) is a personalized, concierge auto-buying and research service founded in 1986. Operating primarily in Southern California (e.g., San Diego), they act as your personal auto shopper to locate, negotiate, and deliver new and pre-owned vehicles without the hassle of visiting traditional dealerships.
As a partner of Wheelhouse Credit Union, Members can save on their auto rate when utilizing the NCI service.
Wheelhouse offers low credit union rates on auto loans and car loan refinancing for cars, trucks, motorcycles boats, and RVs.
E-bikes can be financed through their specialized "Life Loan" personal loans
The best auto loan rates typically depend on factors such as credit history, loan term, vehicle type, and relationship discounts that may be available through your credit union. Some Members may qualify for additional rate discounts by setting up automatic payments, opening a checking account, or taking advantage of special financing programs.
Drive home a better deal
Ready to get started?
Apply for your auto loan today and experience the Wheelhouse difference. Fast approval, competitive rates, and exceptional service.
