red car in driveway
AUTO LOAN RATES AS LOW AS

2.99% APR*
for 75 months

Plus, No Payment for 90 Days2 Apply today

APPLY FOR A LOAN

Please choose one of the following options:

Reach us by phone

Contact Center 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.

Purchase or Refinance

Save on your monthly payments when you refinance your auto loan from another lender to Wheelhouse Credit Union. We can help you lower your rate and/or get you a longer term.

Looking to buy?
You can still get the same great rate when you finance a new vehicle through Wheelhouse.

Rates as low as 2.24% APR* for 36 Months

Refinance an auto loan to apply for our lowest rate at 36 months. Plus, you can enjoy no payment for 90 days2.

Purchasing a new vehicle? Use our auto buying service, New Cars Inc. (NCI), for 0.50% off your rate at a 36-month termt.

Rates as low as 2.99% APR* for 75 Months

Refinance an auto loan to extend your term and keep your rate low. Plus, you can enjoy no payment for 90 days2.

Purchasing a new vehicle? Use our auto buying service, New Cars Inc. (NCI), for 0.25% off your rate at a 75-month termt.

Vehicle Payment Calculators

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.

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.
To enroll, call us at 619‑297‑4835.

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.

VEHICLE LOAN RATES

Auto Loans (2017 and newer)

Terms

Promotional APR*

Estimated Monthly Payment
per $1,000

Auto Buying Service (NCI) APR*

Estimated Monthly Payment
per $1,000

Rates effective June 1, 2020

Promotional rates effective April 1, 2020 through June 30, 2020

* 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 discounts do not apply.

1Subject to credit and collateral approval. Rates and terms are effective June 1, 2020 and are subject to change without notice. Rates stated include a discount for using the Wheelhouse Credit Union Auto Buying Service, New Cars Inc. (NCI) and is valid for model years 2017 and newer and may not be combined with any other discount. Internal refinances are not eligible for the promotional rates. To qualify for a discount offer, you must purchase a new vehicle from New Cars Inc., and finance your purchase with Wheelhouse Credit Union.  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.

See Product Details

Terms

Up to 36 mos

Promotional APR*

As low as 2.24%

Estimated Monthly Payment
per $1,000

$28.75 (at 36 months)

Auto Buying Service (NCI) APR*

As low as 1.74%1

Estimated Monthly Payment
per $1,000

$28.53 (at 36 months)

Terms

37 - 66 mos

Promotional APR*

As low as 2.99%

Estimated Monthly Payment
per $1,000

$16.45 (at 66 months)

Auto Buying Service (NCI) APR*

As low as 2.49%1

Estimated Monthly Payment
per $1,000

$16.23 (at 66 months)

Terms

67 - 75 mos

Promotional APR*

As low as 2.99%

Estimated Monthly Payment
per $1,000

$14.63 (at 75 months)

Auto Buying Service (NCI) APR*

As low as 2.74%1

Estimated Monthly Payment
per $1,000

$14.52 (at 75 months)

Terms

76 - 84 mos

Promotional APR*

As low as 5.24%

Estimated Monthly Payment
per $1,000

$14.25 (at 84 months)

Auto Buying Service (NCI) APR*

As low as 4.99%1

Estimated Monthly Payment
per $1,000

$14.13 (at 84 months)

Auto Loans (2012 - 2016)

Terms

Promotional APR*

Estimated Monthly Payment
per $1,000

Auto Buying Service (NCI) APR*

Estimated Monthly Payment
per $1,000

Rates effective June 1, 2020

Promotional rates effective April 1, 2020 through June 30, 2020.

* APR = Annual Percentage Rate. All loans are subject to credit approval. Rates are determined based on credit-worthiness and applicable discounts. Other rates may be available for older vehicles. 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.

1Subject to credit and collateral approval. Rates and terms are effective June 1, 2020 and are subject to change without notice. Rates stated include a discount for using the Wheelhouse Credit Union Auto Buying Service, New Cars Inc. (NCI) and is valid for model years 2016 to 2012 and may not be combined with any other discount. Internal refinances are not eligible for the promotional rates. To qualify for a discount offer, you must purchase a used vehicle from New Cars Inc., and finance your purchase with Wheelhouse Credit Union. 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.

See Product Details

Terms

Up to 66 mos

Promotional APR*

As low as 3.74%

Estimated Monthly Payment
per $1,000

$16.79 (at 66 months)

Auto Buying Service (NCI) APR*

As low as 3.24%1

Estimated Monthly Payment
per $1,000

$16.56 (at 66 months)

Terms

67 - 75 mos

Promotional APR*

As low as 3.74%

Estimated Monthly Payment
per $1,000

$14.94 (at 75 months)

Auto Buying Service (NCI) APR*

As low as 3.49%1

Estimated Monthly Payment
per $1,000

$14.86 (at 75 months)

Terms

76 - 84 mos

Promotional APR*

As low as 5.99%

Estimated Monthly Payment
per $1,000

$14.60 (at 84 months)

Auto Buying Service (NCI) APR*

As low as 5.74%1

Estimated Monthly Payment
per $1,000

$14.48 (at 84 months)

Motorcycle Loans (2017 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment
per $1,000

With Insurance APR*

Estimated monthly payment
per $1,000

Rates effective June 1, 2020

* 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.

1Subject to credit and collateral approval. Rates and terms are effective June 1, 2020 and are subject to change without notice. Rates stated include a discount for purchasing Mechanical Repair Coverage (MRC), Guaranteed Asset Protection (GAP) or Payment Protection insurance from Wheelhouse Credit Union. Additional rate discounts may be available. Please ask a representative for details.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$5,000

APR*

As low as 4.99%

Estimated monthly payment
per $1,000

$23.02 (at 48 months)

With Insurance APR*

As low as 4.74%1

Estimated monthly payment
per $1,000

$22.91 (at 48 months)

Terms

49 - 66 months

Minimum Loan Amount

$7,500

APR*

As low as 5.99%

Estimated monthly payment
per $1,000

$17.82 (at 66 months)

With Insurance APR*

As low as 5.74%1

Estimated monthly payment
per $1,000

$17.70 (at 66 months)

Terms

67 - 75 months

Minimum Loan Amount

$10,000

APR*

As low as 6.99%

Estimated monthly payment
per $1,000

$16.50 (at 75 months)

With Insurance APR*

As low as 6.74%1

Estimated monthly payment
per $1,000

$16.38 (at 75 months)

Motorcycle Loans (2012 - 2016)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment
per $1,000

With Insurance APR*

Estimated monthly payment
per $1,000

Rates effective June 1, 2020

* 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.

1Subject to credit and collateral approval. Rates and terms are effective June 1, 2020 and are subject to change without notice. Rates stated include a discount for purchasing Mechanical Repair Coverage (MRC), Guaranteed Asset Protection (GAP) or Payment Protection insurance from Wheelhouse Credit Union. Additional rate discounts may be available. Please ask a representative for details.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$2,500

APR*

As low as 5.99%

Estimated monthly payment
per $1,000

$23.48 (at 48 months)

With Insurance APR*

As low as 5.74%1

Estimated monthly payment
per $1,000

$23.37 (at 48 months)

Terms

49 - 66 months

Minimum Loan Amount

$5,000

APR*

As low as 6.99%

Estimated monthly payment
per $1,000

$18.29 (at 66 months)

With Insurance APR*

As low as 6.74%1

Estimated monthly payment
per $1,000

$18.17 (at 66 months)

Terms

67 - 75 months

Minimum Loan Amount

$10,000

APR*

As low as 7.99%

Estimated monthly payment
per $1,000

$16.98 (at 75 months)

With Insurance APR*

As low as 7.74%1

Estimated monthly payment
per $1,000

$16.86 (at 75 months)

Boats and Sports Craft (2017 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment
per $1,000

With Insurance APR*

Estimated monthly payment
per $1,000

Rates effective June 1, 2020

* 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.

1Subject to credit and collateral approval. Rates and terms are effective June 1, 2020 and are subject to change without notice. Rates stated include a discount for purchasing Guaranteed Asset Protection (GAP) insurance from Wheelhouse Credit Union. Please ask a representative for details.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*

As low as 6.99%

Estimated monthly payment
per $1,000

$18.29 (at 66 months)

With Insurance APR*

As low as 6.49%1

Estimated monthly payment
per $1,000

$18.06 (at 66 months)

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*

As low as 7.99%

Estimated monthly payment
per $1,000

$14.13 (at 96 months)

With Insurance APR*

As low as 7.49%1

Estimated monthly payment
per $1,000

$13.88 (at 96 months)

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*

As low as 8.99%

Estimated monthly payment
per $1,000

$11.37 (at 144 months)

With Insurance APR*

As low as 8.49%1

Estimated monthly payment
per $1,000

$11.09 (at 144 months)

Boats and Sports Craft (2016 and Older)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment
per $1,000

With Insurance APR*

Estimated monthly payment
per $1,000

Rates effective June 1, 2020

* 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.

1Subject to credit and collateral approval. Rates and terms are effective June 1, 2020 and are subject to change without notice. Rates stated include a discount for purchasing Guaranteed Asset Protection (GAP) insurance from Wheelhouse Credit Union. Please ask a representative for details.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*

As low as 7.99%

Estimated monthly payment
per $1,000

$18.77 (at 66 months)

With Insurance APR*

As low as 7.49%1

Estimated monthly payment
per $1,000

$18.53 (at 66 months)

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*

As low as 8.99%

Estimated monthly payment
per $1,000

$14.65 (at 96 months)

With Insurance APR*

As low as 8.49%1

Estimated monthly payment
per $1,000

$14.39 (at 96 months)

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*

As low as 9.99%

Estimated monthly payment
per $1,000

$11.95 (at 144 months)

With Insurance APR*

As low as 9.49%1

Estimated monthly payment
per $1,000

$11.66 (at 144 months)

Recreational Vehicles (2017 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment
per $1,000

With Insurance APR*

Estimated monthly payment
per $1,000

Rates effective June 1, 2020

* 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.

1Subject to credit and collateral approval. Rates and terms are effective June 1, 2020 and are subject to change without notice. Rates stated include a discount for purchasing Guaranteed Asset Protection (GAP) insurance from Wheelhouse Credit Union. Please ask a representative for details.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*

As low as 6.49%

Estimated monthly payment
per $1,000

$18.06 (at 66 months)

With Insurance APR*

As low as 5.99%1

Estimated monthly payment
per $1,000

$17.82 (at 66 months)

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*

As low as 7.49%

Estimated monthly payment
per $1,000

$13.88 (at 96 months)

With Insurance APR*

As low as 6.99%1

Estimated monthly payment
per $1,000

$13.63 (at 96 months)

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*

As low as 8.49%

Estimated monthly payment
per $1,000

$11.09 (at 144 months)

With Insurance APR*

As low as 7.99%1

Estimated monthly payment
per $1,000

$10.82 (at 144 months)

Recreational Vehicles (2010 - 2016)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment
per $1,000

With Insurance APR*

Estimated monthly payment
per $1,000

Rates effective June 1, 2020

* 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.

1Subject to credit and collateral approval. Rates and terms are effective June 1, 2020 and are subject to change without notice. Rates stated include a discount for purchasing Guaranteed Asset Protection (GAP) insurance from Wheelhouse Credit Union. Please ask a representative for details.

See Product Details

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*

As low as 7.49%

Estimated monthly payment
per $1,000

$18.53 (at 66 months)

With Insurance APR*

As low as 6.99%1

Estimated monthly payment
per $1,000

$18.29 (at 66 months)

Terms

67 - 96 months

Minimum Loan Amount

$25,000

APR*

As low as 8.49%

Estimated monthly payment
per $1,000

$14.39 (at 96 months)

With Insurance APR*

As low as 7.99%1

Estimated monthly payment
per $1,000

$14.13 (at 96 months)

Terms

97 - 144 months

Minimum Loan Amount

$50,000

APR*

As low as 9.49%

Estimated monthly payment
per $1,000

$11.66 (at 144 months)

With Insurance APR*

As low as 8.99%1

Estimated monthly payment
per $1,000

$11.37 (at 144 months)

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 90 Days

You may be able to defer your first payment for up to 90 days.2

Easy Online Payments

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

Wheelhouse Financing

New vehicle financing based on Manufacturer Suggested Retail Price (MSRP).
Used vehicle financing based on Kelley Blue Book retail.

Automobiles

New: finance up to 120%*
Used: finance up to 115%*

Motorcycles

New: finance up to 100%*
Used**: finance up to 95%*

RVs and Boats

New: finance up to 90%*
Used**: financing available up to 85%*

Auto Buying Service

Want to take the hassle out of buying your next car? Let our partner auto buying service, New Cars Inc., help you find your next car. Simply let them know what you’re looking for, and they’ll help find it and deliver it to your door.

Learn More about NCI
Girls driving in a convertible
Stop by one of our branches
Begin your application
Call us today
Up Arrow Back to Top

Disclosures

* Price including tax, title, license & warranty
** Used motorcycle financing on vehicles up to 8-years old. Used motorhome, boat or trailer financing on vehicles up to 10-years old.
t Subject to credit and collateral approval. Rates and terms are effective June 1, 2020 and are subject to change without notice. New Cars Inc. (NCI) discount is valid for model years 2017 and newer and may not be combined with any other discount. Internal refinances are not eligible for the promotional rates. To qualify for a discount offer, you must purchase a new vehicle from New Cars Inc., and finance your purchase with Wheelhouse Credit Union. 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.
2 90-Day Payment Deferral – Payment may be deferred for up to 90 days from loan funding. Interest will accrue during the deferral period. Not all borrowers will qualify.

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.

Cancel Accept