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Auto Loans

*The Route 66 Extended Warranty is provided by Route 66 and is not an insurance product. For a complete list of terms and provisions, see the Route 66 Service Agreement available at any Member Center. The purchase of an Extended Warranty is voluntary and is not required as a condition of loan approval. The Extended Warranty services are (1) not federally insured; (2) not obligations of the credit union; and (3) not guaranteed by the credit union or any affiliated entity. Please contact WPCU for more details. Wright-Patt Credit Union does not warrant, guarantee or insure any service or product offered by any insurance companies. WPCU and insurance companies are separate entities.
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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 9/23/2022 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 5.29% APR to 16.19% APR with loan terms up to 84 months. Motorcycle loan APRs range from 6.19% APR to 18.99% APR with loan terms up to 84 months. RV/Watercraft loan APRs range from 7.39% APR to 18.99% 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 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 2016 or older have a maximum term of 75 months. Automobiles and motorcycles 2017 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 and term of 60 months (5 years) at 5.29% APR will have a monthly payment of $408.61. 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 6.19% APR will have a monthly payment of $233.07. RV/Boat Loan Payment Example​​: loan amount of $23,000 and term of 60 months at 7.39% APR will have a monthly payment of $459.70. 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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