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AUTO & VEHICLE LOANS

Cheers to low rates

GET PRE-APPROVED

AUTO & Vehicle Loans

We’ll make it easy for you. Wheelhouse is known for our great rates. We provide flexible terms and a smooth process to help you refinance, or get off the lot, and onto the road in no time.

Cheers.

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.

VEHICLE LOAN RATES

Auto Loans (2016 and newer)

Terms

Standard APR*

Estimated Monthly Payment per $1,000
(Standard Rate)

Promotional APR*

Estimated Monthly Payment per $1,000
(Promotional Rate)

Standard rates effective November 1, 2019

Promotional rates effective November 1 through January 31, 2020

* 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.

1Subject to credit and collateral approval. Rates and terms are effective 11/01/2019 and is subject to change without notice. Rate stated includes a discount for using the Wheelhouse Credit Union auto buying service, New Cars Inc (NCI) and is valid for model years 2016 and newer and may not be combined with any other discount. Internal refinances are not eligible for promotional rates. Vehicle loan rates with the NCI discount are currently as low as 2.49% APR, depending on credit history, loan term and vehicle model year. A 66 month loan with a 2.49% fixed APR would have monthly payments of $16.23 per $1,000 borrowed. To qualify for discount offer, purchase a new or 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. Discount is 0.25% off of the approved interest rate for loan terms of 67 to 84 months.

See Product Details

Terms

Up to 48 months

Standard APR*

As low as 3.49%

Estimated Monthly Payment per $1,000
(Standard Rate)

$22.35 (at 48 months)

Promotional APR*

As low as 2.49%1

Estimated Monthly Payment per $1,000
(Promotional Rate)

$21.91 (at 48 months)

Terms

49 - 66 months

Standard APR*

As low as 3.74%

Estimated Monthly Payment per $1,000
(Standard Rate)

$16.79 (at 66 months)

Promotional APR*

As low as 2.49%1

Estimated Monthly Payment per $1,000
(Promotional Rate)

$16.23 (at 66 months)

Terms

67 - 75 months

Standard APR*

As low as 4.24%

Estimated Monthly Payment per $1,000
(Standard Rate)

$15.20 (at 75 months)

Promotional APR*

As low as 2.99%1

Estimated Monthly Payment per $1,000
(Promotional Rate)

$14.63 (at 75 months)

Terms

76 - 84 months

Standard APR*

As low as 5.49%

Estimated Monthly Payment per $1,000
(Standard Rate)

$14.37 (at 84 months)

Promotional APR*

As low as 4.99%1

Estimated Monthly Payment per $1,000
(Promotional Rate)

$14.13 (at 84 months)

auto loans (2011 - 2015)

Terms

Standard APR*

Estimated Monthly Payment per $1,000
(Standard Rate)

Promotional APR*

Estimated Monthly Payment per $1,000
(Promotional Rate)

Standard rates effective November 1, 2019

Promotional rates effective November 1 through January 31, 2020.

* 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.

1Subject to credit and collateral approval. Rates and terms are effective 11/01/2019 and is subject to change without notice. Rate stated includes a discount for using the Wheelhouse Credit Union auto buying service, New Cars Inc (NCI) and is valid for model years 2016 and newer and may not be combined with any other discount. Internal refinances are not eligible for promotional rates. Vehicle loan rates with the NCI discount are currently as low as 2.49% APR, depending on credit history, loan term and vehicle model year. A 66 month loan with a 2.49% fixed APR would have monthly payments of $16.23 per $1,000 borrowed. To qualify for discount offer, purchase a new or 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. Discount is 0.25% off of the approved interest rate for loan terms of 67 to 84 months.

See Product Details

Terms

Up to 48 months

Standard APR*

As low as 4.24%

Estimated Monthly Payment per $1,000
(Standard Rate)

$22.69 (at 48 months)

Promotional APR*

As low as 3.24%1

Estimated Monthly Payment per $1,000
(Promotional Rate)

$22.24 (at 48 months)

Terms

49 - 66 months

Standard APR*

As low as 4.49%

Estimated Monthly Payment per $1,000
(Standard Rate)

$17.13 (at 66 months)

Promotional APR*

As low as 3.24%1

Estimated Monthly Payment per $1,000
(Promotional Rate)

$16.56 (at 66 months)

Terms

67 - 75 months

Standard APR*

As low as 4.99%

Estimated Monthly Payment per $1,000
(Standard Rate)

$15.55 (at 75 months)

Promotional APR*

As low as 3.74%1

Estimated Monthly Payment per $1,000
(Promotional Rate)

$14.97 (at 75 months)

Terms

76 - 84 months

Standard APR*

As low as 6.24%

Estimated Monthly Payment per $1,000
(Standard Rate)

$14.72 (at 84 months)

Promotional APR*

As low as 5.74%1

Estimated Monthly Payment per $1,000
(Promotional Rate)

$14.48 (at 84 months)

Motorcycle Loans (2016 and Newer)

Terms

Minimum Loan Amount

APR*

Estimated monthly payment per $1,000

Rates effective November 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 November 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 November 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 November 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 November 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 November 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
Woman with glasses driving a car

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.

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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