family outside scooter

Congratulations!

You have been pre-approved for
a low-rate Auto Loan
Accept Offer

Use Pre-Approval to Purchase or Refinance

Whether you are looking to purchase a new or used vehicle or to lower your monthly payments, your pre-approval can help you achieve that goal.

Purchase

Use your pre-approval to purchase a vehicle from a certified dealer or dealership when you shop online or in-person. Plus, enjoy no payment for 90 days+.

Refinance

Use your pre-approval to lower your monthly payments when you refinance a higher interest rate loan from another lender to Wheelhouse Credit Union. Plus, enjoy no payment for 90 days+.

SHOP FROM HOME AND TAKE UP TO 0.50% OFF
WHEN YOU PURCHASE THROUGH NEW CARS INC. (NCI)
How it Works:
  1. Browse the NCI inventory or talk to an NCI representative about the right vehicle for you. Representatives are available to talk or video conference with you during the whole process.
  2. NCI’s experienced representatives will search through thousands of available makes and models to find the best vehicle within your budget.
  3. Lastly, let NCI clean and deliver the vehicle right to your door. You can test drive before signing documents (through a contactless social distancing process), and get the keys to your new ride.
Shop with NCI


Interested in Other Rates and Terms? We’ve Got You Covered.
2017 and Newer
 
RATES AS LOW AS
1.74% APR*
for up to 36 months
when purchased through NCI
  RATES AS LOW AS
2.49% APR*
for up to 66 months
when purchased through NCI
  RATES AS LOW AS
2.24% APR*
for up to 36 months
  RATES AS LOW AS
2.99% APR*
for up to 75 months


2012 – 2016
 
RATES AS LOW AS
3.24% APR*
for up to 36 months
when purchased through NCI
  RATES AS LOW AS
3.49% APR*
for up to 75 months
when purchased through NCI
  RATES AS LOW AS
3.74% APR*
for up to 75 months
 
See all Vehicle Rates and Terms Here

Vehicle Payment Calculators

Payment ProtectionX

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.
To enroll, call us at 619‑297‑4835.

Guaranteed Asset Protection (GAP)X

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.

Mechanical Repair Coverage (MRC)X

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.

Questions about your protection options? Call us at 619-297-4835.

Disclosures

TERMS & CONDITIONS:

  1. This offer may be used once only by the name herein and is not transferable.
  2. The name herein will sign all necessary and appropriate documents required by the Credit Union.
  3. By accepting this offer, you represent that you have the ability and intent to repay this loan. Further there are no undisclosed facts or circumstances concerning your finances which would affect your ability or intent to repay this loan. Offer dependent on the verification of employment and income. Your monthly income is at least $2,500.
  4. If you wish to be pre-approved for any amount greater than that shown on the certificate, or to apply with a co-applicant, additional information may be required.
  5. By clicking on the Accept Offer above and completing the verification process, you agree to accept the offer.

* APR = Annual Percentage Rate. Rates and terms are effective July 1, 2020 and are subject to change without notice.

Pre-approval offer requires minimum loan amount of $15,000. Internal refinances are not eligible for pre-approval offer. Rate stated for up to 75 months is valid for model years 2017 and newer. Based upon a 2.99% APR and 75-month term, monthly payments would be $14.63 per $1,000 borrowed. Vehicles purchased through Wheelhouse Credit Union’s auto buying partner, New Cars Inc. (NCI), are eligible for a rate discount and may not be combined with any other discount. Discount is 0.50% off of the approved interest rate for loan terms up to 66 months and discount is 0.25% off of the approved interest rate for loan terms of 67 to 84 months. Based upon a 2.99% APR and a 66-month term, monthly payments would be $16.45 per $1,000 borrowed. Other rates and terms are available.

Used Auto Loan rates for up to 66 months, begin as low as 3.49% APR and are valid for model years 2011-2015. Payments start at $16.23 per $1,000 borrowed for a 66-month term. Rates for other model years and vehicle types will be higher. Other rates and terms are available. Additional restrictions and conditions may apply.

Used Auto Loan rates for up to 66 months, begin as low as 3.24% APR, include a discount for using NCI, and are valid for model years 2012-2016. Payments start at $16.79 per $1,000 borrowed for a 66-month term. Rates for other model years and vehicle types will be higher. Other rates and terms are available. Additional restrictions and conditions may apply.

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

XPurchase of Payment Protection, Mechanical Repair Coverage (MRC) and Guaranteed Asset Protection (GAP) is voluntary and will not affect your application or the terms and conditions of your loan. Payment Protection, MRC and GAP are not insured by the NCUA nor an obligation or guaranteed by Wheelhouse Credit Union.

PRESCREEN & OPT-OUT NOTICE:
This pre-approved offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria, including providing acceptable property as collateral. If you do not want to receive pre-approved offers of credit from Wheelhouse Credit Union or any other company, call Experian toll-free at 1-888-5OPTOUT, or write: Experian Opt Out, P.O. Box 919, Allen, TX 75013-0919.

You are leaving Wheelhouse Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products and services accessed through this link are not provided or guaranteed by Wheelhouse Credit Union. The site you are about to visit may have a privacy policy that is different than Wheelhouse Credit Union’s. Please review their privacy policy. Wheelhouse Credit Union does not endorse the content contained in these sites, nor the organizations publishing those sites, and hereby disclaims any responsibility for such content.

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