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AUTO & VEHICLE LOANS

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GET PRE-APPROVED

AUTO & Vehicle Loans

We’ll make it easy for you. Wheelhouse is known for our great rates. We offer flexible terms and a smooth and easy process, so you can get off the lot and out on the road as quickly as possible or help you refinance an existing loan.

Competitive Rates

Purchase a new or used vehicle, or refinance your existing auto loan.

Easy Pre-Approval Process

Get pre-approved before you walk on the car lot, and you’ll be in a better negotiating position.

No Payments for 90 Days

We offer the option to defer your first payment up to 90 days.*

Easy Online Payments

Make convenient payments by automatic transfer from your Wheelhouse account.

Generous Loan Amounts and Flexible Terms

Find the right combination that fits your budget.

Comprehensive Protection

Mechanical Repair Coverage, GAP and Debt Protection available.

Auto Loan Rate Special

Promotional Auto Loans (2016 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective 08/01/2019 – 10/31/2019

* APR = Annual Percentage Rate. 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.

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*

2.99%

Estimated monthly payment per $1,000

$16.45 (at 66 months)

Terms

67 - 75 months

Minimum Loan Amount

$7,500

APR*

3.24%

Estimated monthly payment per $1,000

$14.75 (at 75 months)

Terms

76 - 84 months

Minimum Loan Amount

$10,000

APR*

5.24%

Estimated monthly payment per $1,000

$14.25 (at 84 months)

Promotional Auto Loans (2011 - 2015)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective 08/01/2019 – 10/31/2019

* APR = Annual Percentage Rate. 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.

Terms

Up to 66 months

Minimum Loan Amount

$7,500

APR*

3.74%

Estimated monthly payment per $1,000

$16.79 (at 66 months)

Terms

67 - 75 months

Minimum Loan Amount

$7,500

APR*

3.99%

Estimated monthly payment per $1,000

$15.09 (at 75 months)

Terms

76 - 84 months

Minimum Loan Amount

$10,000

APR*

5.99%

Estimated monthly payment per $1,000

$14.60 (at 84 months)

STANDARD LOAN RATES

Auto Loans (2016 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. 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.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$7,500

APR*

As low as 3.49%

Estimated monthly payment per $1,000

$16.45 (at 48 months)

Terms

49 - 66 months

Minimum Loan Amount

$7,500

APR*

As low as 3.74%

Estimated monthly payment per $1,000

$16.79 (at 66 months)

Terms

67 - 75 months

Minimum Loan Amount

$7,500

APR*

As low as 4.24%

Estimated monthly payment per $1,000

$15.20 (at 75 months)

Terms

76 - 84 months

Minimum Loan Amount

$10,000

APR*

As low as 5.49%

Estimated monthly payment per $1,000

$14.37 (at 84 months)

Auto Loans (2011 - 2015)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. 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.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$2,500

APR*

As low as 3.99%

Estimated monthly payment per $1,000

$22.57 (at 48 months)

Terms

49 to 66 months

Minimum Loan Amount

$2,500

APR*

As low as 4.49%

Estimated monthly payment per $1,000

$17.13 (at 66 months)

Terms

67 to 75 months

Minimum Loan Amount

$2,500

APR*

As low as 4.99%

Estimated monthly payment per $1,000

$15.55 (at 75 months)

Terms

76 to 84 months

Minimum Loan Amount

$10,000

APR*

As low as 6.24%

Estimated monthly payment per $1,000

$14.72 (at 84 months)

Motorcycle Loans (2016 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. 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.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$5,000

APR*

As low as 5.24%

Estimated monthly payment per $1,000

$23.14 (at 48 months)

Terms

49 - 66 months

Minimum Loan Amount

$7,500

APR*

As low as 6.24%

Estimated monthly payment per $1,000

$17.94 (at 66 months)

Terms

67 - 75 months

Minimum Loan Amount

$10,000

APR*

As low as 7.24%

Estimated monthly payment per $1,000

$16.62 (at 75 months)

Motorcycle Loans (2011 - 2015)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. 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.

See Product Details

Terms

Up to 48 months

Minimum Loan Amount

$2,500

APR*

As low as 6.24%

Estimated monthly payment per $1,000

$23.60 (at 48 months)

Terms

49 - 66 months

Minimum Loan Amount

$5,000

APR*

As low as 7.24%

Estimated monthly payment per $1,000

$18.41 (at 66 months)

Terms

67 - 75 months

Minimum Loan Amount

$10,000

APR*

As low as 8.24%

Estimated monthly payment per $1,000

$17.10 (at 75 months)

Boats and Sports Craft (2016 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. 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.

See Product Details

Terms

Up to 72 months

Minimum Loan Amount

$2,500

APR*

As low as 7.99%

Estimated monthly payment per $1,000

$17.53 (at 72 months)

Terms

73 - 96 months

Minimum Loan Amount

$20,000

APR*

As low as 8.99%

Estimated monthly payment per $1,000

$14.65 (at 96 months)

Terms

97 - 180 months

Minimum Loan Amount

$30,000

APR*

As low as 9.99%

Estimated monthly payment per $1,000

$10.74 (at 180 months)

Boats and Sports Craft (2015 and Older)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. 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.

See Product Details

Terms

Up to 72 months

Minimum Loan Amount

$2,500

APR*

As low as 8.99%

Estimated monthly payment per $1,000

$18.02 (at 72 months)

Terms

73 - 96 months

Minimum Loan Amount

$20,000

APR*

As low as 9.99%

Estimated monthly payment per $1,000

$15.17 (at 96 months)

Terms

97 - 180 months

Minimum Loan Amount

$30,000

APR*

As low as 10.99%

Estimated monthly payment per $1,000

$11.36 (at 180 months)

Recreational Vehicles (2016 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. 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.

See Product Details

Terms

Up to 72 months

Minimum Loan Amount

$2,500

APR*

As low as 7.49%

Estimated monthly payment per $1,000

$17.29 (at 72 months)

Terms

73 - 96 months

Minimum Loan Amount

$20,000

APR*

As low as 8.49%

Estimated monthly payment per $1,000

$14.39 (at 96 months)

Terms

97 - 180 months

Minimum Loan Amount

$30,000

APR*

As low as 9.49%

Estimated monthly payment per $1,000

$10.44 (at 180 months)

Recreational Vehicles (2009 - 2015)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective August 1, 2019

* APR = Annual Percentage Rate. 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.

See Product Details

Terms

Up to 72 months

Minimum Loan Amount

$2,500

APR*

As low as 8.49%

Estimated monthly payment per $1,000

$17.77 (at 72 months)

Terms

73 - 96 months

Minimum Loan Amount

$20,000

APR*

As low as 9.49%

Estimated monthly payment per $1,000

$14.91 (at 96 months)

Terms

97 - 180 months

Minimum Loan Amount

$30,000

APR*

As low as 10.49%

Estimated monthly payment per $1,000

$11.05 (at 180 months)

Get the Auto, Motorcycle, Boat or RV of Your Dreams with Our Simple, Low Interest Auto Loans.

New and Used Vehicles:

  • New vehicles: finance up to 120%* of Manufacturer Suggested Retail Price (MSRP)
  • Used vehicles: finance up to 115%* retail Kelley Blue Book

Motorcycles:

  • New Motorcycles: finance to 100%* of MSRP
  • Used Motorcycles:** finance up to 95%* retail Kelley Blue Book

RVs and Boats:

  • New RVs: finance up to 90%* of MSRP
  • Used RVs:** financing available up to 85%* retail Kelley Blue Book
Apply online
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GAP Advantage

Protect your vehicle loan with MEMBER’S CHOICE Guaranteed Asset Protection. 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.

Protect Your Loan with Debt Protection

Enroll in Wheelhouse Debt Protection to get relief from the financial burden of delinquency, default, or foreclosure if death, disability or involuntary unemployment should unexpectedly happen to you. Debt Protection will cancel or waive 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

MEMBER’S CHOICE Mechanical Repair coverage can help deflect the risk of costly repairs. With different coverage levels and deductibles to choose from, find the plan that fits your family’s budget. Enjoy rental reimbursement, emergency roadside assistance, and more.

Auto Buying Service

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

Visit NCI to learn more
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Auto Loan calculators

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Begin your application
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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.

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