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Auto Loans

​​​⁶​Annual Percentage Rates (APRs) are accurate as of 5/28/2021 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 is 2015 or older have a maximum term of 75 months. Autos and motorcycles whose collateral age is 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 types of vehicles, 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. Maximum loan amount is $250,000 – Requires WPCU management approval. 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. Loans are subject to membership eligibility, credit approval and collateral conditions. Loan amount financed greater than $5,000 requires full coverage auto insurance.​

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