family picnic in trunk of car
Get Your Monthly Payment

Under $300

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.

Get Your Monthly Payment Under $300

Purchase or refinance with an $18,000 auto loan at 2.69% APR* for 66 months to get a monthly payment of $293.70.

Or, simply refinance your auto loan from another lender to Wheelhouse and save on your monthly payments. We can help you lower your rate and/or get you a longer term.

Rates as low as 1.49% 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 ratet.

Rates as low as 2.69% APR* for 66 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 0.50% off your ratet.

Vehicle Payment Calculators

How to Refinance an Auto or Vehicle Loan

You can save money when you refinance a loan. 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.

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 October 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 discounts do not apply.

1Subject to credit and collateral approval. Rates and terms are effective October 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 1.99%

Estimated Monthly Payment
per $1,000

$28.64 (at 36 months)

Auto Buying Service (NCI) APR*

As low as 1.49%1

Estimated Monthly Payment
per $1,000

$28.42 (at 36 months)

Terms

37 - 66 mos

Promotional APR*

As low as 2.69%

Estimated Monthly Payment
per $1,000

$16.32 (at 66 months)

Auto Buying Service (NCI) APR*

As low as 2.19%1

Estimated Monthly Payment
per $1,000

$16.10 (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 October 1, 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 October 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

$14.97 (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 Ancillary Product Purchase APR*

Estimated monthly payment
per $1,000

Rates effective October 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 October 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 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 Ancillary Product Purchase 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 Ancillary Product Purchase 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 Ancillary Product Purchase 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 Ancillary Product Purchase APR*

Estimated monthly payment
per $1,000

Rates effective October 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 October 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 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 Ancillary Product Purchase 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 Ancillary Product Purchase 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 Ancillary Product Purchase 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 Ancillary Purchase APR*

Estimated monthly payment
per $1,000

Rates effective October 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 October 1, 2020 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.

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 Ancillary Purchase 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 Ancillary Purchase 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 Ancillary Purchase 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 Ancillary Purchase APR*

Estimated monthly payment
per $1,000

Rates effective October 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 October 1, 2020 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.

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 Ancillary Purchase 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 Ancillary Purchase 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 Ancillary Purchase 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 Ancillary Product Purchase APR*

Estimated monthly payment
per $1,000

Rates effective October 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 October 1, 2020 and are subject to change without notice. Rates stated include 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 discount cannot exceed 0.50%.
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 Ancillary Product Purchase 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 Ancillary Product Purchase 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 Ancillary Product Purchase 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 Ancillary Product Purchase APR*

Estimated monthly payment
per $1,000

Rates effective October 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 October 1, 2020 and are subject to change without notice. Rates stated include 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 discount cannot exceed 0.50%.

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 Ancillary Product Purchase 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 Ancillary Product Purchase 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 Ancillary Product Purchase 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 135%+
Used: finance up to 135%+

No payment for up to 90 days2

Motorcycles

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

No payment for up to 90 days2

RVs and Boats

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

No payment for up to 60 days3

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
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Begin your application
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Disclosures

*APR = Annual Percentage Rate
+ 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 October 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.
3 60-Day Payment Deferral – Payment may be deferred for up to 60 days from loan funding. Interest will accrue during the deferral period. Not all borrowers will qualify.

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