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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. 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 6/1/2021 through 7/31/2021. Offers exclude refinancing vehicle loans held at Wright-Patt Credit Union and free and clear title vehicles used to secure a new loan.

​​​​​​⁶Auto Loans​: All loan applications are subject to credit review and approval. Annual Percentage Rates (APRs) are accurate as of 9/3/2021 and are dependent upon creditworthiness, loan amount, loan term, and age of collateral. Auto loan APRs range from 2.49% APR to 14.59% APR with loan terms up to 84 months. Motorcycle loan APRs range from 3.39% APR to 17.39% APR with loan terms up to 84 months. RV/Boat loan APRs range from 4.59% APR to 17.39% APR with loan terms up to 144 months. For auto and motorcycle loans: Loan amounts up to $7,999 have a maximum term of 63 months. Loan amounts of $8,000-$17,999 have a maximum term of 75 months. Loan amounts of $18,000 or more have a maximum term of 84 months. Autos and motorcycles whose collateral age are 2015 or older have a maximum term of 75 months. Autos and motorcycles whose collateral age are 2016 or newer have a maximum term of 84 months. For RV/boat 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. For all vehicle types, 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. All payment examples below are for 2019 or newer vehicles. Auto Loan Payment Example: loan amount of $21,500 and term of 60 months (5 years) at 2.49% APR will have a monthly payment of $381.50. The example disclosed above is for our highest qualified borrowers. Motorcycle Loan Payment Example: loan amount of $12,000 and term of 60 months at 6.09% APR will have a monthly payment of $232.53. RV/Boat Loan Payment Example​: loan amount of $23,000 and term of 60 months at 8.39% APR will have a monthly payment of $470.74. 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 $5,000 requires full coverage auto insurance.