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.
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 (2020 and newer)

Terms	APR* As low as	Estimated Monthly Payment per $1,000	Discounted APR*¹ As low as	Estimated Monthly Payment per $1,000
Rates effective September 1, 2023 * 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 may apply. ¹Subject to credit and collateral approval. Rates and terms are effective September 1, 2023 and are subject to change without notice. Rates stated includes a discount for purchasing two Ancillary Products and using the Wheelhouse Credit Union Auto Buying Service, New Cars Inc. (NCI) and is valid for model years 2020 and newer. 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. Additional discounts may apply. Ask a Representative for details. See Product Details
Terms Up to 48 mos	APR* As low as 6.24%	Estimated Monthly Payment per $1,000 $23.60	Discounted APR¹ As low as 5.49%*	Estimated Monthly Payment per $1,000 $23.25
Terms Up to 66 mos	APR* As low as 6.49%	Estimated Monthly Payment per $1,000 $18.06	Discounted APR¹ As low as 5.74%*	Estimated Monthly Payment per $1,000 $17.70
Terms 67 - 75 mos	APR* As low as 6.99%	Estimated Monthly Payment per $1,000 $16.50	Discounted APR¹ As low as 6.49%*	Estimated Monthly Payment per $1,000 $16.26
Terms 76 - 84 mos	APR* As low as 7.74%	Estimated Monthly Payment per $1,000 $15.46	Discounted APR¹ As low as 7.24*%	Estimated Monthly Payment per $1,000 $15.21

Auto Loans (2015 - 2019)

Terms	APR* As low as	Estimated Monthly Payment per $1,000	Discounted APR*¹ As low as	Estimated Monthly Payment per $1,000
Rates effective September 1, 2023 * 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 September 1, 2023 and are subject to change without notice. Rates stated includes a discount for purchasing two Ancillary Products and using the Wheelhouse Credit Union Auto Buying Service, New Cars Inc. (NCI) and is valid for model years 2015 to 2019. 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. Additional discounts my apply. Ask a Representative for details. See Product Details
Terms Up to 48 mos	APR* As low as 6.99%	Estimated Monthly Payment per $1,000 $23.94	Discounted APR¹ As low as 6.24%*	Estimated Monthly Payment per $1,000 $23.60
Terms Up to 66 mos	APR* As low as 7.24%	Estimated Monthly Payment per $1,000 $18.41	Discounted APR¹ As low as 6.49%*	Estimated Monthly Payment per $1,000 $18.06
Terms 67 - 75 mos	APR* As low as 7.74%	Estimated Monthly Payment per $1,000 $16.86	Discounted APR¹ As low as 7.24%*	Estimated Monthly Payment per $1,000 $16.62
Terms 76 - 84 mos	APR* As low as 8.49%	Estimated Monthly Payment per $1,000 $15.83	Discounted APR¹ As low as 7.99%*	Estimated Monthly Payment per $1,000 $15.58

Motorcycle Loans (2020 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Ancillary Product Purchase APR*² As low as	Estimated monthly payment per $1,000
Rates effective September 1, 2023 * 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. ²Subject to credit and collateral approval. Rates and terms are effective September 1, 2023 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 7.24%	Estimated monthly payment per $1,000 $24.06	With Ancillary Product Purchase APR² As low as 6.99%*	Estimated monthly payment per $1,000 $23.94
Terms 49 - 66 months	Minimum Loan Amount $7,500	APR* As low as 7.49%	Estimated monthly payment per $1,000 $18.53	With Ancillary Product Purchase APR² As low as 7.24%*	Estimated monthly payment per $1,000 $18.41
Terms 67 - 75 months	Minimum Loan Amount $10,000	APR* As low as 8.49%	Estimated monthly payment per $1,000 $17.23	With Ancillary Product Purchase APR² As low as 8.24%*	Estimated monthly payment per $1,000 $17.10

Motorcycle Loans (2015 - 2019)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Ancillary Product Purchase APR*² As low as	Estimated monthly payment per $1,000
Rates effective September 1, 2023 * 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. Other terms and conditions may apply. Please ask a representative for details. ²Subject to credit and collateral approval. Rates and terms are effective September 1, 2023 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 8.24%	Estimated monthly payment per $1,000 $24.53	With Ancillary Product Purchase APR² As low as 7.99%*	Estimated monthly payment per $1,000 $24.41
Terms 49 - 66 months	Minimum Loan Amount $5,000	APR* As low as 8.49%	Estimated monthly payment per $1,000 $19.02	With Ancillary Product Purchase APR² As low as 8.24%*	Estimated monthly payment per $1,000 $18.89
Terms 67 - 75 months	Minimum Loan Amount $10,000	APR* As low as 9.49%	Estimated monthly payment per $1,000 $17.73	With Ancillary Product Purchase APR² As low as 9.24%*	Estimated monthly payment per $1,000 $17.60

Recreational Vehicles (2020 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Ancillary Product Purchase APR*³ As low as	Estimated monthly payment per $1,000
Rates effective September 1, 2023 * 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. ³Subject to credit and collateral approval. Rates and terms are effective September 1, 2023 and are subject to change without notice. Rates stated includes 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 8.74%	Estimated monthly payment per $1,000 $19.14	With Ancillary Product Purchase APR³ As low as 8.24%*	Estimated monthly payment per $1,000 $18.89
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 9.24%	Estimated monthly payment per $1,000 $14.78	With Ancillary Product Purchase APR³ As low as 8.74%*	Estimated monthly payment per $1,000 $14.52
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 9.74%	Estimated monthly payment per $1,000 $11.80	With Ancillary Product Purchase APR³ As low as 9.24%*	Estimated monthly payment per $1,000 $11.52
Terms 145 - 180 months	Minimum Loan Amount $50,000	APR* As low as 10.24%	Estimated monthly payment per $1,000 $10.89	With Ancillary Product Purchase APR³ As low as 9.74%*	Estimated monthly payment per $1,000 $10.59

Recreational Vehicles (2013 - 2019)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Ancillary Product Purchase APR*³ As low as	Estimated monthly payment per $1,000
Rates effective September 1, 2023 * 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. ³Subject to credit and collateral approval. Rates and terms are effective September 1, 2023 and are subject to change without notice. Rates stated includes 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 9.74%	Estimated monthly payment per $1,000 $19.63	With Ancillary Product Purchase APR³ As low as 9.24%*	Estimated monthly payment per $1,000 $19.38
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 10.24%	Estimated monthly payment per $1,000 $15.30	With Ancillary Product Purchase APR³ As low as 9.74%*	Estimated monthly payment per $1,000 $15.04
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 10.74%	Estimated monthly payment per $1,000 $12.38	With Ancillary Product Purchase APR³ As low as 10.24%*	Estimated monthly payment per $1,000 $12.09
Terms 145 - 180 months	Minimum Loan Amount $50,000	APR* As low as 11.24%	Estimated monthly payment per $1,000 $11.52	With Ancillary Product Purchase APR³ As low as 10.74%*	Estimated monthly payment per $1,000 $11.20

Boats and Sports Craft (2020 and Newer)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Ancillary Purchase APR*⁴ As low as	Estimated monthly payment per $1,000
Rates effective September 1, 2023 * 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. ⁴Subject to credit and collateral approval. Rates and terms are effective September 1, 2023 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 10.49%	Estimated monthly payment per $1,000 $20.00	With Ancillary Purchase APR⁴ As low as 9.99%*	Estimated monthly payment per $1,000 $19.75
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 11.49%	Estimated monthly payment per $1,000 $15.97	With Ancillary Purchase APR⁴ As low as 10.99%*	Estimated monthly payment per $1,000 $15.70
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 12.49%	Estimated monthly payment per $1,000 $13.43	With Ancillary Purchase APR⁴ As low as 11.99%*	Estimated monthly payment per $1,000 $13.13

Boats and Sports Craft (2019 and Older)

Terms	Minimum Loan Amount	APR* As low as	Estimated monthly payment per $1,000	With Ancillary Purchase APR*⁴ As low as	Estimated monthly payment per $1,000
Rates effective September 1, 2023 * 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. ⁴Subject to credit and collateral approval. Rates and terms are effective September 1, 2023 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 11.49%	Estimated monthly payment per $1,000 $20.51	With Ancillary Purchase APR⁴ As low as 10.99%*	Estimated monthly payment per $1,000 $20.26
Terms 67 - 96 months	Minimum Loan Amount $25,000	APR* As low as 12.49%	Estimated monthly payment per $1,000 $16.52	With Ancillary Purchase APR⁴ As low as 11.99%*	Estimated monthly payment per $1,000 $16.25
Terms 97 - 144 months	Minimum Loan Amount $50,000	APR* As low as 13.49%	Estimated monthly payment per $1,000 $14.05	With Ancillary Purchase APR⁴ As low as 12.99%*	Estimated monthly payment per $1,000 $13.74

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.