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Refi Your Ride

​​​​​​​​​*1% rebate of amount financed is available for consumer and commercial vehicle loans that are refinanced from another financial institution to Wright-Patt Credit Union (WPCU) (maximum of $500 per refinanced loan) and payable at time of closing. Offers exclude refinancing vehicle loans held at Wright-Patt Credit Union and free and clear title vehicles used to secure a new loan. Rate is dependent upon creditworthiness, loan amount, term, and age of collateral. Subject to membership eligibility, credit approval and collateral conditions. The rebate amount may be reported on the Internal Revenue Service (IRS) Form 1099-MISC.
**90-day deferred payment option is available – interest will accrue daily beginning day one from the day of loan closing.
Promotions valid for loan applications received 9/1/2022 through 10/31/2022.​
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​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​⁶All Vehicle Type Loans:​ All vehicle loan applications are subject to credit review and approval. Annual Percentage Rates (APRs) are accurate as of 05/01/2023 and may change at any time. The APR for all vehicle loans are fixed rates for the duration of the loan; the APR is determined at the time your application is approved. Your APR is dependent upon creditworthiness, loan amount, loan term, and age of collateral. Auto loan APRs range from 6.49% APR to 17.39% APR with loan terms up to 84 months. Motorcycle loan APRs range from 7.79% APR to 18.00% APR with loan terms up to 84 months. RV/Watercraft loan APRs range from 8.59% APR to 18.00% APR with loan terms up to 240 months. For auto and motorcycle loans: Loan amounts up to $7,999 have a maximum term of 63 months. Loan amounts of $8,000 to $17,999 have a maximum term of 75 months. Loan amounts of $18,000 or more have a maximum term of 84 months. Loan terms of 64-75 months require a minimum loan amount of $8,000, and loan terms 76 months or longer require a minimum loan amount of $18,000. Automobiles and motorcycles 2017 or older have a maximum term of 75 months. Automobiles and motorcycles 2018 or newer have a maximum term of 84 months. For RV/Watercraft loans: Loan amounts up to $19,999 have a maximum term of 84 months. Loan amounts of $20,000 or more have a maximum term of 144 months. All payment examples below are for 2020 or newer vehicles. Auto Loan Payment Example: loan amount of $21,500 for a 2021 or newer automobile and term of 60 months (5 years) at 6.49% APR will have a monthly payment of $420.67. The example disclosed above is for our highest qualified borrowers. Motorcycle Loan Payment Example: loan amount of $12,000 for a 2021 or newer motorcycle and term of 60 months at 7.79% APR will have a monthly payment of $242.18. RV/Boat Loan Payment Example​​: loan amount of $23,000 for a 2021 or newer RV/boat and term of 60 months at 8.59% APR will have a monthly payment of $473.03. Other rates, terms, payments, and loan amounts are available. There will be a $75 Rate Modification Processing Fee each time we approve a request to lower your interest rate. Loans are subject to membership eligibility, credit approval and collateral conditions. Loan amount financed greater than $10,000 requires full coverage auto insurance.
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