Rates as low as

Fast and Flexible Auto Financing

Our team will identify the right loan for your unique financial position

Simplify Your Purchase

With a pre-approved loan you can skip the finance hassle at the dealership and be driving away in style sooner. Spend your energy negotiating upgrades and envisioning your envious friends instead.

Apply Now

Accelerate Your Purchase and Lower Your Rate

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. With an Auto Loan from Wheelhouse Credit Union, you can start shopping through NCI and enjoy a rate discount of up to 0.50% off our Auto Loan rates. Connect with NCI at 1-800-748-5747.
More details.

Lower Your Rate and Protect Your Asset

Save an additional .25% APR* off your auto loan rate when you purchase two Ancillary Products: Payment Protection Coverage, Mechanical Repair Coverage (MRC) or Guaranteed Asset Protection (GAP). See below for details.

*APR = Annual Percentage Rate

More details.

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.
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. More details.

Vehicle Payment Calculators

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 120%⁺

No payment for up to 90 days²

Motorcycles

New: finance up to 100%⁺
Used**: finance up to 100%²

No payment for up to 90 days²

RVS and Boats

New: finance up to 90%⁺
Used**: finance up to 90%²

No payment for up to 60 days²

VEHICLE LOAN RATES

Auto Loans (2022 and newer)

Terms	APR* As low as	Estimated Monthly Payment per $1,000	Discounted APR*¹ As low as	Estimated Discounted Monthly Payment per $1,000
* APR = Annual Percentage Rate. Rates are effective as of March 1, 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. 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. 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* As low as 5.74%	Estimated Monthly Payment per $1,000 $23.37	Discounted APR¹ As low as 4.74%*	Estimated Discounted Monthly Payment per $1,000 $22.91
Terms Up to 66 mos	APR* As low as 5.99%	Estimated Monthly Payment per $1,000 $17.82	Discounted APR¹ As low as 4.99%*	Estimated Discounted Monthly Payment per $1,000 $17.36
Terms 67 - 75 mos	APR* As low as 6.49%	Estimated Monthly Payment per $1,000 $16.26	Discounted APR¹ As low as 5.74%*	Estimated Discounted Monthly Payment per $1,000 $15.90
Terms 76 - 84 mos	APR* As low as 7.24%	Estimated Monthly Payment per $1,000 $15.21	Discounted APR¹ As low as 6.49*%	Estimated Discounted Monthly Payment per $1,000 $14.84

Auto Loans (2018 - 2021)

Terms	APR* As low as	Estimated Monthly Payment per $1,000	Discounted APR*¹ As low as	Estimated Discounted Monthly Payment per $1,000
* APR = Annual Percentage Rate. Rates are effective as of March 1, 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. 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. 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* As low as 6.74%	Estimated Monthly Payment per $1,000 $23.83	Discounted APR¹ As low as 5.74%*	Estimated Discounted Monthly Payment per $1,000 $23.37
Terms Up to 66 mos	APR* As low as 6.99%	Estimated Monthly Payment per $1,000 $18.29	Discounted APR¹ As low as 5.99%*	Estimated Discounted Monthly Payment per $1,000 $17.82
Terms 67 - 75 mos	APR* As low as 7.49%	Estimated Monthly Payment per $1,000 $16.74	Discounted APR¹ As low as 6.74%*	Estimated Discounted Monthly Payment per $1,000 $16.38
Terms 76 - 84 mos	APR* As low as 8.24%	Estimated Monthly Payment per $1,000 $15.71	Discounted APR¹ As low as 7.49%*	Estimated Discounted Monthly Payment per $1,000 $15.33

Motorcycle Loans (2022 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*² As low as	Estimated monthly payment per $1,000
*APR = Annual Percentage Rate. Rates are effective as of March 1, 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. • 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. 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* As low as 6.99%	Estimated monthly payment per $1,000 $23.94	Maximum Discounted APR² As low as 6.49%*	Estimated monthly payment per $1,000 $23.71
Terms 49 - 66 months	Minimum Loan Amount $7,500	APR* As low as 7.24%	Estimated monthly payment per $1,000 $18.41	Maximum Discounted APR² As low as 6.74%*	Estimated monthly payment per $1,000 $18.17
Terms 67 - 75 months	Minimum Loan Amount $10,000	APR* As low as 8.24%	Estimated monthly payment per $1,000 $17.10	Maximum Discounted APR² As low as 7.74%*	Estimated monthly payment per $1,000 $16.86

Motorcycle Loans (2018 - 2021)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*² As low as	Estimated monthly payment per $1,000
*APR = Annual Percentage Rate. Rates are effective as of March 1, 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. • 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. 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* As low as 7.99%	Estimated monthly payment per $1,000 $24.41	Maximum Discounted APR² As low as 7.49%*	Estimated monthly payment per $1,000 $24.17
Terms 49 - 66 months	Minimum Loan Amount $5,000	APR* As low as 8.24%	Estimated monthly payment per $1,000 $18.89	Maximum Discounted APR² As low as 7.74%*	Estimated monthly payment per $1,000 $18.65
Terms 67 - 75 months	Minimum Loan Amount $10,000	APR* As low as 9.24%	Estimated monthly payment per $1,000 $17.60	Maximum Discounted APR² As low as 8.74%*	Estimated monthly payment per $1,000 $17.35

RV and Trailer (2022 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*³ As low as	Estimated monthly payment per $1,000
*APR = Annual Percentage Rate. Rates are effective as of March 1, 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. • To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product. • 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. 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* As low as 8.49%	Estimated monthly payment per $1,000 $19.02	Maximum Discounted APR³ As low as 7.74%*	Estimated monthly payment per $1,000 $18.65
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 8.99%	Estimated monthly payment per $1,000 $14.65	Maximum Discounted APR³ As low as 8.24%*	Estimated monthly payment per $1,000 $14.26
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 9.49%	Estimated monthly payment per $1,000 $11.66	Maximum Discounted APR³ As low as 8.74%*	Estimated monthly payment per $1,000 $11.23
Terms 145 - 180 months	Minimum Loan Amount $50,000	APR* As low as 10.24%	Estimated monthly payment per $1,000 $10.89	Maximum Discounted APR³ As low as 9.49%*	Estimated monthly payment per $1,000 $10.44

RV and Trailer (2016 - 2021)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*³ As low as	Estimated monthly payment per $1,000
*APR = Annual Percentage Rate. Rates are effective as of March 1, 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. • To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product. • 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. 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* As low as 9.49%	Estimated monthly payment per $1,000 $19.51	Maximum Discounted APR³ As low as 8.74%*	Estimated monthly payment per $1,000 $19.14
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 9.99%	Estimated monthly payment per $1,000 $15.17	Maximum Discounted APR³ As low as 9.24%*	Estimated monthly payment per $1,000 $14.78
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 10.49%	Estimated monthly payment per $1,000 $12.24	Maximum Discounted APR³ As low as 9.74%*	Estimated monthly payment per $1,000 $11.80
Terms 145 - 180 months	Minimum Loan Amount $50,000	APR* As low as 11.24%	Estimated monthly payment per $1,000 $11.52	Maximum Discounted APR³ As low as 10.49%*	Estimated monthly payment per $1,000 $11.05

Boat and Sports Craft (2022 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*⁴ As low as	Estimated monthly payment per $1,000
*APR = Annual Percentage Rate. Rates are effective as of March 1, 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. • To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product. • 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. 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* As low as 10.49%	Estimated monthly payment per $1,000 $20.00	Maximum Discounted APR⁴ As low as 9.74%*	Estimated monthly payment per $1,000 $19.63
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 11.24%	Estimated monthly payment per $1,000 $15.84	Maximum Discounted APR⁴ As low as 10.49%*	Estimated monthly payment per $1,000 $15.43
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 12.24%	Estimated monthly payment per $1,000 $13.28	Maximum Discounted APR⁴ As low as 11.49%*	Estimated monthly payment per $1,000 $12.83

Boat and Sports Craft (2018 - 2021)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	Maximum Discounted APR*⁴ As low as	Estimated monthly payment per $1,000
*APR = Annual Percentage Rate. Rates are effective as of March 1, 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. • To qualify for a discounted rate of 0.50%, you must purchase a GAP Protection ancillary product. • 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. 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* As low as 11.24%	Estimated monthly payment per $1,000 $20.38	Maximum Discounted APR⁴ As low as 10.49%*	Estimated monthly payment per $1,000 $20.00
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 12.24%	Estimated monthly payment per $1,000 $16.38	Maximum Discounted APR⁴ As low as 11.49%*	Estimated monthly payment per $1,000 $15.97
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 13.24%	Estimated monthly payment per $1,000 $13.90	Maximum Discounted APR⁴ As low as 12.49%*	Estimated monthly payment per $1,000 $13.43

How to refinance an auto or vehicle loan

You can save money when you refinance a loan with Wheelhouse Credit Union. 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.

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.

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.

⁴ Wheelhouse Credit Union will donate $100 for every auto loan or external auto refinance funded in the month of May, up to $5,000, to Rady Children’s Hospital May Means Business initiative. All loans are subject to credit and collateral approval. Rates are subject to change without notice. Other terms, conditions, and restrictions may apply. Membership required.