Rates as low as

5.74% APR*
for 66 months¹

when you use our auto buying partner and purchase two ancillary products

APPLY FOR A LOAN

Please choose one of the following options:

LOW RATES PLUS NO PAYMENTS FOR UP TO 90 DAYS²

At Wheelhouse Credit Union, you may purchase a new or used car or refinance your existing auto loan at a competitive rate and defer your first payment for up to 90 days.

Available Loan Rate Discounts

LOWER YOUR LOAN RATE BY USING OUR AUTO BUYING SERVICE

New Cars Inc. (NCI) is a trusted partner of Wheelhouse Credit Union; saving Members time and money by providing a hassle-free and safe auto buying experience. Just purchase a new vehicle from NCI and finance your loan with Wheelhouse Credit Union and you’ll enjoy a rate discount of up to 0.50% off our Auto Loan rates. Connect with NCI at 1-800-748-5747.

LOWER YOUR LOAN RATE WITH OUR ANCILLARY PRODUCTS

Purchase any two ancillary products and save an additional 0.25% APR off your auto loan rate. Ancillary products include Payment Protection Coverage, Mechanical Repair Coverage (MRC), and Guaranteed Asset Protection (GAP). See below for further information.

LOWER YOUR LOAN RATE WITH INSPIRED CHECKING

To qualify for a discounted rate of 0.25% APR, you must set up automatic loan payments from your Inspired Checking Account on new eligible loans.

GAP Advantage

Protect your vehicle loan with Guaranteed Asset Protection (GAP). Should your car get stolen or totaled in an accident, GAP will help pay the difference between what you owe and the value of your vehicle. More details.

Payment Protection

Enroll in Wheelhouse Payment Protection to get relief from the financial burden of delinquency, default, or foreclosure if death, disability or involuntary unemployment should unexpectedly happen to you. Payment Protection will pay your loan payments, relieving you and your family’s worries about paying loans during a time of reduced income. More details.

Mechanical Repair Coverage

Mechanical Repair Coverage (MRC) can help deflect the risk of costly repairs. With different coverage levels and deductibles to choose from, you can find the plan that best fits your budget. Enjoy rental reimbursement, emergency roadside assistance, and more. More details.

Vehicle Payment Calculators

You can save money when you refinance a loan with Wheelhouse Credit Union. Learn how with these four easy steps.

Did you know you can get cash out when you refinance your auto loan? Learn how to refinance your car and get cash out to meet your needs.

VEHICLE LOAN RATES

Auto Loans (2021 and newer)

Terms	APR* As low as	Estimated Monthly Payment per $1,000	Discounted APR*¹ As low as	Estimated Discounted Monthly Payment per $1,000
* APR = Annual Percentage Rate. Rates are effective as of March 1, 2024 and are subject to change without notice. Rates are valid for model years 2021 and newer. 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. See Product Details
Terms Up to 48 mos	APR* As low as 6.49%	Estimated Monthly Payment per $1,000 $23.71	Discounted APR¹ As low as 5.49%*	Estimated Discounted Monthly Payment per $1,000 $23.25
Terms Up to 66 mos	APR* As low as 6.74%	Estimated Monthly Payment per $1,000 $18.17	Discounted APR¹ As low as 5.74%*	Estimated Discounted Monthly Payment per $1,000 $17.70
Terms 67 - 75 mos	APR* As low as 7.24%	Estimated Monthly Payment per $1,000 $16.62	Discounted APR¹ As low as 6.49%*	Estimated Discounted Monthly Payment per $1,000 $16.26
Terms 76 - 84 mos	APR* As low as 7.99%	Estimated Monthly Payment per $1,000 $15.58	Discounted APR¹ As low as 7.24*%	Estimated Discounted Monthly Payment per $1,000 $15.21

Auto Loans (2017 - 2020)

Terms	APR* As low as	Estimated Monthly Payment per $1,000	Discounted APR*¹ As low as	Estimated Discounted Monthly Payment per $1,000
* APR = Annual Percentage Rate. Rates are effective as of March 1, 2024 and are subject to change without notice. Rates are valid for model years 2017 to 2020. 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. See Product Details
Terms Up to 48 mos	APR* As low as 7.49%	Estimated Monthly Payment per $1,000 $24.17	Discounted APR¹ As low as 6.49%*	Estimated Discounted Monthly Payment per $1,000 $23.71
Terms Up to 66 mos	APR* As low as 7.74%	Estimated Monthly Payment per $1,000 $18.65	Discounted APR¹ As low as 6.74%*	Estimated Discounted Monthly Payment per $1,000 $18.17
Terms 67 - 75 mos	APR* As low as 8.24%	Estimated Monthly Payment per $1,000 $17.10	Discounted APR¹ As low as 7.49%*	Estimated Discounted Monthly Payment per $1,000 $16.74
Terms 76 - 84 mos	APR* As low as 8.99%	Estimated Monthly Payment per $1,000 $16.08	Discounted APR¹ As low as 8.24%*	Estimated Discounted Monthly Payment per $1,000 $15.71

Motorcycle Loans (2021 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*² As low as	Estimated monthly payment per $1,000
Rates effective April 1, 2024 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change without notice. Other terms and conditions may apply. ²Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts. • To qualify for a discounted rate of 0.25%, you must purchase any ancillary product. • 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. Inspired Checking is a variable rate account. Rates and APY are subject to change without notice. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. See Product Details
Terms Up to 48 months	Minimum Loan Amount $5,000	APR* As low as 7.24%	Estimated monthly payment per $1,000 $24.06	Maximum Discounted APR² As low as 6.74%*	Estimated monthly payment per $1,000 $23.83
Terms 49 - 66 months	Minimum Loan Amount $7,500	APR* As low as 7.49%	Estimated monthly payment per $1,000 $18.53	Maximum Discounted APR² As low as 6.99%*	Estimated monthly payment per $1,000 $18.29
Terms 67 - 75 months	Minimum Loan Amount $10,000	APR* As low as 8.49%	Estimated monthly payment per $1,000 $17.23	Maximum Discounted APR² As low as 7.99%*	Estimated monthly payment per $1,000 $16.98

Motorcycle Loans (2017 - 2020)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*² As low as	Estimated monthly payment per $1,000
Rates effective April 1, 2024 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change without notice. Other terms and conditions may apply. ²Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts. • To qualify for a discounted rate of 0.25%, you must purchase any ancillary product. • 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. Inspired Checking is a variable rate account. Rates and APY are subject to change without notice. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. See Product Details
Terms Up to 48 months	Minimum Loan Amount $2,500	APR* As low as 8.24%	Estimated monthly payment per $1,000 $24.53	Maximum Discounted APR² As low as 7.74%*	Estimated monthly payment per $1,000 $24.29
Terms 49 - 66 months	Minimum Loan Amount $5,000	APR* As low as 8.49%	Estimated monthly payment per $1,000 $19.02	Maximum Discounted APR² As low as 7.99%*	Estimated monthly payment per $1,000 $18.77
Terms 67 - 75 months	Minimum Loan Amount $10,000	APR* As low as 9.49%	Estimated monthly payment per $1,000 $17.73	Maximum Discounted APR² As low as 8.99%*	Estimated monthly payment per $1,000 $17.48

RV and Trailer (2021 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*³ As low as	Estimated monthly payment per $1,000
Rates effective March 1, 2024 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change without notice. ³Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts. • To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product. • To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product. • 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. Inspired Checking is a variable rate account. Rates and APY are subject to change without notice. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. See Product Details
Terms Up to 66 months	Minimum Loan Amount $7,500	APR* As low as 8.74%	Estimated monthly payment per $1,000 $19.14	Maximum Discounted APR³ As low as 7.99%*	Estimated monthly payment per $1,000 $18.77
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 9.24%	Estimated monthly payment per $1,000 $14.78	Maximum Discounted APR³ As low as 8.49%*	Estimated monthly payment per $1,000 $14.39
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 9.74%	Estimated monthly payment per $1,000 $11.80	Maximum Discounted APR³ As low as 8.99%*	Estimated monthly payment per $1,000 $11.37
Terms 145 - 180 months	Minimum Loan Amount $50,000	APR* As low as 10.24%	Estimated monthly payment per $1,000 $10.89	Maximum Discounted APR³ As low as 9.49%*	Estimated monthly payment per $1,000 $10.44

RV and Trailer (2014 - 2020)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*³ As low as	Estimated monthly payment per $1,000
Rates effective March 1, 2024 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change without notice. ³Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts. • To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product. • To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product. • 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. Inspired Checking is a variable rate account. Rates and APY are subject to change without notice. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. See Product Details
Terms Up to 66 months	Minimum Loan Amount $7,500	APR* As low as 9.74%	Estimated monthly payment per $1,000 $19.63	Maximum Discounted APR³ As low as 9.24%*	Estimated monthly payment per $1,000 $19.38
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 10.24%	Estimated monthly payment per $1,000 $15.30	Maximum Discounted APR³ As low as 9.74%*	Estimated monthly payment per $1,000 $15.04
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 10.74%	Estimated monthly payment per $1,000 $12.38	Maximum Discounted APR³ As low as 10.24%*	Estimated monthly payment per $1,000 $12.09
Terms 145 - 180 months	Minimum Loan Amount $50,000	APR* As low as 11.24%	Estimated monthly payment per $1,000 $11.52	Maximum Discounted APR³ As low as 10.74%*	Estimated monthly payment per $1,000 $11.20

Boat and Sports Craft (2021 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*⁴ As low as	Estimated monthly payment per $1,000
Rates effective March 1, 2024 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change without notice. ⁴Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts. • To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product. • To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product. • 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. Inspired Checking is a variable rate account. Rates and APY are subject to change without notice. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. See Product Details
Terms Up to 66 months	Minimum Loan Amount $7,500	APR* As low as 10.49%	Estimated monthly payment per $1,000 $20.00	Maximum Discounted APR⁴ As low as 9.74%*	Estimated monthly payment per $1,000 $19.63
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 11.49%	Estimated monthly payment per $1,000 $15.97	Maximum Discounted APR⁴ As low as 10.74%*	Estimated monthly payment per $1,000 $15.57
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 12.49%	Estimated monthly payment per $1,000 $13.43	Maximum Discounted APR⁴ As low as 11.74%*	Estimated monthly payment per $1,000 $12.98

Boat and Sports Craft (2020 and Older)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*⁴ As low as	Estimated monthly payment per $1,000
Rates effective March 1, 2024 * APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Rates and terms are subject to change without notice. ⁴Discounted Rate stated includes discounts for purchasing any ancillary product, and setting up loan autopay using your Inspired Checking Account. Subject to credit and collateral approval. Rates are determined based on creditworthiness and applicable discounts. • To qualify for a discounted rate of 0.25%, you must purchase a Payment Protection ancillary product. • To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product. • 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. Inspired Checking is a variable rate account. Rates and APY are subject to change without notice. Inspired Checking requires monthly direct deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account. Other terms, conditions, services, and restrictions are subject to change without notice. Membership is required. Federally insured by NCUA. See Product Details
Terms Up to 66 months	Minimum Loan Amount $7,500	APR* As low as 11.49%	Estimated monthly payment per $1,000 $20.51	Maximum Discounted APR⁴ As low as 10.74%*	Estimated monthly payment per $1,000 $20.13
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 12.49%	Estimated monthly payment per $1,000 $16.52	Maximum Discounted APR⁴ As low as 11.74%*	Estimated monthly payment per $1,000 $16.11
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 13.49%	Estimated monthly payment per $1,000 $14.05	Maximum Discounted APR⁴ As low as 12.74%*	Estimated monthly payment per $1,000 $13.59

Easy Pre-Approval Process

Put yourself in a better negotiation position when you get pre-approved before walking onto the car lot.

No Payment for Up To 90 Days²

You may be able to defer your first payment for up to 90 days.

Easy Online Payments

Automatically pay your loan from a Wheelhouse Checking or Savings Account.

Wheelhouse Financing

New and Used vehicle financing based on Manufacturer Suggested Retail Price (MSRP), Kelley Blue Book (KBB), and JD Power.

Automobiles

New & Used: Finance up to 120%⁺

No payments for up to 90 days²

Motorcycles

New & Used: Finance up to 100%⁺

No payments for up to 90 days²

RVs and Boats

New & Used: Finance up to 90%⁺

No payments for up to 60 days³

Stop by one of our branches

Find your closest branch

Begin your application

Call us today

888-907-3628

Disclosures

*APR = Annual Percentage Rate. Rates are effective as of 02/01/2024 and are subject to change without notice.

⁺ Loan to Value includes tax, title, license, and warranty.

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.

² Payment may be deferred for up to 90 days from loan funding. Interest will accrue during the deferral period. Not all borrowers will qualify.

³ Payment may be deferred for up to 60 days from loan funding. Interest will accrue during the deferral period. Not all borrowers will qualify.

Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Membership is required. Federally insured by NCUA.