Rates as low as

5.49% APR*
for 48 months1

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

APPLY FOR A LOAN

Please choose one of the following options:

Reach us by phone

Phone Branch Hours

Monday - Friday: 8:00am to 6:00pm Saturday: 9:00am to 2:00pm

Email

For further assistance, please email us. Do not include account information.

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 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.

Woman purchasing a car

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.

Woman in car smiling

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.

Mechanic fixing a car

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

How to Refinance an Auto or Vehicle Loan

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

How to Refinance and Get Cash Out

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 February 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 APR*1
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 APR*1
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 APR*1
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 APR*1
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 February 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 APR*1
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 APR*1
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 APR*1
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 APR*1
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

With Ancillary Product Purchase APR*2
As low as

Estimated monthly payment
per $1,000

Rates effective February 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. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

2Subject to credit and collateral approval. Rates and terms are effective February 1, 2024 and are subject to change without notice. Rates stated include a discount for purchasing Guaranteed Asset Protection (GAP) or Payment Protection from Wheelhouse Credit Union.

Inspired Checking Loan Discount – Take an additional 0.25% APR off the stated rate when you open an Inspired Checking account with a new eligible loan and set up automatic loan payments from the Inspired Checking account (per eligible loan).

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

With Ancillary Product Purchase APR*2
As low as

6.99%

Estimated monthly payment
per $1,000

$23.94

Terms

49 - 66 months

Minimum Loan Amount

$7,500

APR*
As low as

7.49%

Estimated monthly payment
per $1,000

$18.53

With Ancillary Product Purchase APR*2
As low as

7.24%

Estimated monthly payment
per $1,000

$18.41

Terms

67 - 75 months

Minimum Loan Amount

$10,000

APR*
As low as

8.49%

Estimated monthly payment
per $1,000

$17.23

With Ancillary Product Purchase APR*2
As low as

8.24%

Estimated monthly payment
per $1,000

$17.10

Motorcycle Loans (2017 - 2020)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

With Ancillary Product Purchase APR*2
As low as

Estimated monthly payment
per $1,000

Rates effective February 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. Other terms and conditions may apply. Additional rate discounts may be available. Other terms and conditions may apply. Please ask a representative for details.

2Subject to credit and collateral approval. Rates and terms are effective February 1, 2024 and are subject to change without notice. Rates stated include a discount for purchasing Guaranteed Asset Protection (GAP) or Payment Protection from Wheelhouse Credit Union.

Inspired Checking Loan Discount – Take an additional 0.25% APR off the stated rate when you open an Inspired Checking account with a new eligible loan and set up automatic loan payments from the Inspired Checking account (per eligible loan).

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

With Ancillary Product Purchase APR*2
As low as

7.99%

Estimated monthly payment
per $1,000

$24.41

Terms

49 - 66 months

Minimum Loan Amount

$5,000

APR*
As low as

8.49%

Estimated monthly payment
per $1,000

$19.02

With Ancillary Product Purchase APR*2
As low as

8.24%

Estimated monthly payment
per $1,000

$18.89

Terms

67 - 75 months

Minimum Loan Amount

$10,000

APR*
As low as

9.49%

Estimated monthly payment
per $1,000

$17.73

With Ancillary Product Purchase APR*2
As low as

9.24%

Estimated monthly payment
per $1,000

$17.60

RV and Trailer (2021 and Newer)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

With Ancillary Product Purchase APR*3
As low as

Estimated monthly payment
per $1,000

Rates effective February 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. Rate discounts may be available. Ask a representative for details. Other terms and conditions may apply.

3Subject to credit and collateral approval. Rates and terms are effective February 1, 2024 and are subject to change without notice. Rates stated includes a 0.50% discount for purchasing Guaranteed Asset Protection (GAP) from Wheelhouse Credit Union. Please ask a representative for details.

Rate discount of 0.25% is available when purchasing Payment Protection from Wheelhouse Credit Union. Maximum ancillary discount cannot exceed 0.50%.

Inspired Checking Loan Discount – Take an additional 0.25% APR off the stated rate when you open an Inspired Checking account with a new eligible loan and set up automatic loan payments from the Inspired Checking account (per eligible loan).

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

With Ancillary Product Purchase APR*3
As low as

8.24%

Estimated monthly payment
per $1,000

$18.89

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*
As low as

9.24%

Estimated monthly payment
per $1,000

$14.78

With Ancillary Product Purchase APR*3
As low as

8.74%

Estimated monthly payment
per $1,000

$14.52

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*
As low as

9.74%

Estimated monthly payment
per $1,000

$11.80

With Ancillary Product Purchase APR*3
As low as

9.24%

Estimated monthly payment
per $1,000

$11.52

Terms

145 - 180 months

Minimum Loan Amount

$50,000

APR*
As low as

10.24%

Estimated monthly payment
per $1,000

$10.89

With Ancillary Product Purchase APR*3
As low as

9.74%

Estimated monthly payment
per $1,000

$10.59

RV and Trailer (2014 - 2020)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

With Ancillary Product Purchase APR*3
As low as

Estimated monthly payment
per $1,000

Rates effective February 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. Rate discounts may be available. Ask a representative for details. Other terms and conditions may apply.

3Subject to credit and collateral approval. Rates and terms are effective February 1, 2024 and are subject to change without notice. Rates stated includes a 0.50% discount for purchasing Guaranteed Asset Protection (GAP) from Wheelhouse Credit Union. Please ask a representative for details.

Rate discount of 0.25% is available when purchasing Payment Protection from Wheelhouse Credit Union. Maximum ancillary discount cannot exceed 0.50%.

Inspired Checking Loan Discount – Take an additional 0.25% APR off the stated rate when you open an Inspired Checking account with a new eligible loan and set up automatic loan payments from the Inspired Checking account (per eligible loan).

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

With Ancillary Product Purchase APR*3
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

With Ancillary Product Purchase APR*3
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

With Ancillary Product Purchase APR*3
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

With Ancillary Product Purchase APR*3
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

With Ancillary Purchase APR*4
As low as

Estimated monthly payment
per $1,000

Rates effective February 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. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

4Subject to credit and collateral approval. Rates and terms are effective February 1, 2024 and are subject to change without notice. Rates stated include a discount for purchasing Guaranteed Asset Protection (GAP) from Wheelhouse Credit Union. Please ask a representative for details.

Inspired Checking Loan Discount – Take an additional 0.25% APR off the stated rate when you open an Inspired Checking account with a new eligible loan and set up automatic loan payments from the Inspired Checking account (per eligible loan).

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

With Ancillary Purchase APR*4
As low as

9.99%

Estimated monthly payment
per $1,000

$19.75

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*
As low as

11.49%

Estimated monthly payment
per $1,000

$15.97

With Ancillary Purchase APR*4
As low as

10.99%

Estimated monthly payment
per $1,000

$15.70

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*
As low as

12.49%

Estimated monthly payment
per $1,000

$13.43

With Ancillary Purchase APR*4
As low as

11.99%

Estimated monthly payment
per $1,000

$13.13

Boat and Sports Craft (2020 and Older)

Terms

Minimum Loan Amount

APR*
As low as

Estimated monthly payment
per $1,000

With Ancillary Purchase APR*4
As low as

Estimated monthly payment
per $1,000

Rates effective February 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. Other terms and conditions may apply. Additional rate discounts may be available. Please ask a representative for details.

4Subject to credit and collateral approval. Rates and terms are effective February 1, 2024 and are subject to change without notice. Rates stated include a discount for purchasing Guaranteed Asset Protection (GAP) from Wheelhouse Credit Union. Please ask a representative for details.

Inspired Checking Loan Discount – Take an additional 0.25% APR off the stated rate when you open an Inspired Checking account with a new eligible loan and set up automatic loan payments from the Inspired Checking account (per eligible loan).

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

With Ancillary Purchase APR*4
As low as

10.99%

Estimated monthly payment
per $1,000

$20.26

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*
As low as

12.49%

Estimated monthly payment
per $1,000

$16.52

With Ancillary Purchase APR*4
As low as

11.99%

Estimated monthly payment
per $1,000

$16.25

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*
As low as

13.49%

Estimated monthly payment
per $1,000

$14.05

With Ancillary Purchase APR*4
As low as

12.99%

Estimated monthly payment
per $1,000

$13.74

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.

auto

Automobiles

New & Used: Finance up to 120%+

No payments for up to 90 days2

motorcycle

Motorcycles

New & Used: Finance up to 100%+

No payments for up to 90 days2

RV boat

RVs and Boats

New & Used: Finance up to 90%+

No payments for up to 60 days3

Stop by one of our branches
Begin your application
Call us today
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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.

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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