4.99% APR*
for 48 months1
when you use our auto buying partner and purchase two ancillary products*APR = Annual Percentage Rate Apply today
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.
*APR = Annual Percentage Rate
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.
*APR = Annual Percentage Rate

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
VEHICLE LOAN RATES
Terms |
APR* |
Estimated Monthly Payment |
Discounted APR*1 |
Estimated Discounted Monthly Payment |
---|---|---|---|---|
* APR = Annual Percentage Rate. Rates are effective as of February 01, 2025 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.
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* 5.99% |
Estimated Monthly Payment $23.48 |
Discounted APR*1 4.99% |
Estimated Discounted Monthly Payment $23.02 |
Terms Up to 66 mos |
APR* 6.24% |
Estimated Monthly Payment $17.94 |
Discounted APR*1 5.24% |
Estimated Discounted Monthly Payment $17.47 |
Terms 67 - 75 mos |
APR* 6.74% |
Estimated Monthly Payment $16.38 |
Discounted APR*1 5.99% |
Estimated Discounted Monthly Payment $16.02 |
Terms 76 - 84 mos |
APR* 7.49% |
Estimated Monthly Payment $15.33 |
Discounted APR*1 6.74% |
Estimated Discounted Monthly Payment $14.97 |
Terms |
APR* |
Estimated Monthly Payment |
Discounted APR*1 |
Estimated Discounted Monthly Payment |
---|---|---|---|---|
* APR = Annual Percentage Rate. Rates are effective as of February 01, 2025 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.
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* 6.99% |
Estimated Monthly Payment $23.94 |
Discounted APR*1 5.99% |
Estimated Discounted Monthly Payment $23.48 |
Terms Up to 66 mos |
APR* 7.24% |
Estimated Monthly Payment $18.41 |
Discounted APR*1 6.24% |
Estimated Discounted Monthly Payment $17.94 |
Terms 67 - 75 mos |
APR* 7.74% |
Estimated Monthly Payment $16.86 |
Discounted APR*1 6.99% |
Estimated Discounted Monthly Payment $16.50 |
Terms 76 - 84 mos |
APR* 8.49% |
Estimated Monthly Payment $15.83 |
Discounted APR*1 7.74% |
Estimated Discounted Monthly Payment $15.46 |
Terms |
Minimum Loan Amount |
APR* |
Estimated monthly payment |
Maximum Discounted APR*2 |
Estimated monthly payment |
---|---|---|---|---|---|
*APR = Annual Percentage Rate. Rates are effective as of February 01, 2025 and are subject to change without notice. 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. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Inspired Checking is a variable rate account. 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* 7.24% |
Estimated monthly payment $24.06 |
Maximum Discounted APR*2 6.74% |
Estimated monthly payment $23.83 |
Terms 49 - 66 months |
Minimum Loan Amount $7,500 |
APR* 7.49% |
Estimated monthly payment $18.53 |
Maximum Discounted APR*2 6.99% |
Estimated monthly payment $18.29 |
Terms 67 - 75 months |
Minimum Loan Amount $10,000 |
APR* 8.49% |
Estimated monthly payment $17.23 |
Maximum Discounted APR*2 7.99% |
Estimated monthly payment $16.98 |
Terms |
Minimum Loan Amount |
APR* |
Estimated monthly payment |
Maximum Discounted APR*2 |
Estimated monthly payment |
---|---|---|---|---|---|
*APR = Annual Percentage Rate. Rates are effective as of February 01, 2025 and are subject to change without notice. 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. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Inspired Checking is a variable rate account. 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* 8.24% |
Estimated monthly payment $24.53 |
Maximum Discounted APR*2 7.74% |
Estimated monthly payment $24.29 |
Terms 49 - 66 months |
Minimum Loan Amount $5,000 |
APR* 8.49% |
Estimated monthly payment $19.02 |
Maximum Discounted APR*2 7.99% |
Estimated monthly payment $18.77 |
Terms 67 - 75 months |
Minimum Loan Amount $10,000 |
APR* 9.49% |
Estimated monthly payment $17.73 |
Maximum Discounted APR*2 8.99% |
Estimated monthly payment $17.48 |
Terms |
Minimum Loan Amount |
APR* |
Estimated monthly payment |
Maximum Discounted APR*3 |
Estimated monthly payment |
---|---|---|---|---|---|
*APR = Annual Percentage Rate. Rates are effective as of February 01, 2025 and 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. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Inspired Checking is a variable rate account. 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* 8.74% |
Estimated monthly payment $19.14 |
Maximum Discounted APR*3 7.99% |
Estimated monthly payment $18.77 |
Terms 67 - 96 months |
Minimum Loan Amount $25,000 |
APR* 9.24% |
Estimated monthly payment $14.78 |
Maximum Discounted APR*3 8.49% |
Estimated monthly payment $14.39 |
Terms 97 - 144 months |
Minimum Loan Amount $50,000 |
APR* 9.74% |
Estimated monthly payment $11.80 |
Maximum Discounted APR*3 8.99% |
Estimated monthly payment $11.37 |
Terms 145 - 180 months |
Minimum Loan Amount $50,000 |
APR* 10.24% |
Estimated monthly payment $10.89 |
Maximum Discounted APR*3 9.49% |
Estimated monthly payment $10.44 |
Terms |
Minimum Loan Amount |
APR* |
Estimated monthly payment |
Maximum Discounted APR*3 |
Estimated monthly payment |
---|---|---|---|---|---|
*APR = Annual Percentage Rate. Rates are effective as of February 01, 2025 and 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. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Inspired Checking is a variable rate account. 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* 9.74% |
Estimated monthly payment $19.63 |
Maximum Discounted APR*3 9.24% |
Estimated monthly payment $19.38 |
Terms 67 - 96 months |
Minimum Loan Amount $25,000 |
APR* 10.24% |
Estimated monthly payment $15.30 |
Maximum Discounted APR*3 9.74% |
Estimated monthly payment $15.04 |
Terms 97 - 144 months |
Minimum Loan Amount $50,000 |
APR* 10.74% |
Estimated monthly payment $12.38 |
Maximum Discounted APR*3 10.24% |
Estimated monthly payment $12.09 |
Terms 145 - 180 months |
Minimum Loan Amount $50,000 |
APR* 11.24% |
Estimated monthly payment $11.52 |
Maximum Discounted APR*3 10.74% |
Estimated monthly payment $11.20 |
Terms |
Minimum Loan Amount |
APR* |
Estimated monthly payment |
Maximum Discounted APR*4 |
Estimated monthly payment |
---|---|---|---|---|---|
*APR = Annual Percentage Rate. Rates are effective as of February 01, 2025 and 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. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Inspired Checking is a variable rate account. 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* 10.49% |
Estimated monthly payment $20.00 |
Maximum Discounted APR*4 9.74% |
Estimated monthly payment $19.63 |
Terms 67 - 96 months |
Minimum Loan Amount $25,000 |
APR* 11.49% |
Estimated monthly payment $15.97 |
Maximum Discounted APR*4 10.74% |
Estimated monthly payment $15.57 |
Terms 97 - 144 months |
Minimum Loan Amount $50,000 |
APR* 12.49% |
Estimated monthly payment $13.43 |
Maximum Discounted APR*4 11.74% |
Estimated monthly payment $12.98 |
Terms |
Minimum Loan Amount |
APR* |
Estimated monthly payment |
Maximum Discounted APR*4 |
Estimated monthly payment |
---|---|---|---|---|---|
*APR = Annual Percentage Rate. Rates are effective as of February 01, 2025 and 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. Contact a Team Member for further information. Other terms, conditions, and restrictions may apply. Inspired Checking is a variable rate account. 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* 11.49% |
Estimated monthly payment $20.51 |
Maximum Discounted APR*4 10.74% |
Estimated monthly payment $20.13 |
Terms 67 - 96 months |
Minimum Loan Amount $25,000 |
APR* 12.49% |
Estimated monthly payment $16.52 |
Maximum Discounted APR*4 11.74% |
Estimated monthly payment $16.11 |
Terms 97 - 144 months |
Minimum Loan Amount $50,000 |
APR* 13.49% |
Estimated monthly payment $14.05 |
Maximum Discounted APR*4 12.74% |
Estimated monthly payment $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

Disclosures
+ 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.