Auto Loans

for New and Used Vehicles
Apply for an Auto Loan

Wright-Patt Credit Union® Auto Loans

Financing your new or used car is easy with Wright-Patt Credit Union®. We offer an easy application process, competitive auto loan rates, and extraordinary service. With flexible vehicle loan terms, we can help to find a loan payment that fits your budget. Plus, we offer additional car buying service offerings like GAP protection and more.

  • Auto Loans

    A low-rate Wright-Patt Credit Union vehicle loan will put you behind the wheel and help you keep a little extra money in your pocket at the same time. You’ll find value in our low APRs and flexible terms.

  • TruStage® Auto Insurance Program

    Wright-Patt Credit Union members may qualify for discounts on vehicle insurance through the TruStage® Auto Insurance Program.

  • Additional Auto Loan Services

    If you desire protection from costly vehicle repair payments or vehicle depreciation, Wright-Patt Credit Union can help you save even more money with these additional vehicle loan services.

Auto Loans

A low-rate Wright-Patt Credit Union vehicle loan will put you behind the wheel and help you keep a little extra money in your pocket at the same time. You’ll find value in our low APRs and flexible terms.

Overview

Auto financing couldn’t be easier with Wright-Patt Credit Union. Auto loan applications are available online or when you stop into any Member Center. We strive to make the application process for auto loans easy for you by offering convenience and great rates. Once you have been pre-approved, go to any of our participating area auto dealerships, sign a few papers to finalize your loan, and you’ll be good as new and on the road in no time.

Looking for a loan on specialty vehicles like horse trailers, car haulers or ATVs? Contact us for more information.


Auto Loan Fast Facts:

  • We make payment easy with the flexibility of 100% financing and automobile loan terms to fit your budget.
  • Want to save even more of your hard-earned money? How about no application fee and low auto loan rates! Smarter borrowing starts here.
  • We make paying on your credit union car loan easy, too. You can direct deposit, make payroll deductions, do an automatic transfer from your WPCU checking or savings, use our free online banking or mobile app—or handle it the old-fashioned way, by mail or in person. We’ll be happy to see you!

TruStage® Auto Insurance Program

Wright-Patt Credit Union members may qualify for discounts on vehicle insurance through the TruStage® Auto Insurance Program.

Overview

You work hard for your money and even harder to keep your budget on track. So why spend too much on car insurance—maybe hundreds of dollars too much?

Wright-Patt Credit Union members may qualify for discounts and savings on car insurance through the TruStage® Auto Insurance Program. You could save big, and it can be easy to switch carriers—without losing any money.

  • Credit union member discounts
  • Nationally recognized companies
  • Friendly, 24/7 service—even on holidays
  • Discounts for multiple vehicles, safety features, good driving and more
  • Mobile app for easy claims

It can be easy to get a free quote today. Don’t wait to see how much you could save.

GET A QUOTE

A Tradition of Strength
TruStage is part of a heritage of faithful service to credit union members spanning more than 80 years. Over 20 million people have selected TruStage for AD&D, life, auto & home insurance and more.

TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency and issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Products and features may not be available in all states. Be sure to understand the complete details of coverage, including any exclusions and limitations. If your credit union enables this insurance program to be offered, it is entitled to compensation from TruStage Insurance Agency, LLC, PO Box 61, Waverly IA 50677-0061. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. *Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. © TruStage Insurance Agency 2018

Additional Auto Loan Services

If you desire protection from costly vehicle repair payments or vehicle depreciation, Wright-Patt Credit Union can help you save even more money with these additional vehicle loan services.

Guaranteed Auto Protection (GAP)

Buying a car is a big financial decision but did you know that if your car is totaled or stolen, you could end up having to pay thousands on a car you can’t drive anymore? That’s because of the way cars depreciate - the outstanding balance on the auto loan is usually higher than what your insurance company will pay.

Wright-Patt Credit Union offers GAP, a product that pays the difference between your insurance settlement and what you still owe on your car. If you are interested in obtaining GAP on your auto loan, simply ask a participating dealership if it can be included in your financing when you start the car loan application process.

Peace of mind couldn’t be any easier to come by!

Route 66 Extended Auto Warranty

Auto repairs can be expensive and that’s why we offer the Route 66 Extended Auto Warranty. This policy not only protects your budget from costly auto repairs, but you also receive these benefits--

  • Zero Deductible-No Out-of-Pocket Expenses
  • 24/7/365 Roadside Assistance
  • Rental Car Services
  • 30-Day Money Back Guarantee
  • Nationwide® Coverage

By purchasing the warranty before your manufacturer’s warranty expires, you will have seamless, uninterrupted coverage. Unlike many other warranties, the Route 66 Extended Auto Warranty can be purchased at any time, whether you bought your car ten years ago or you’re buying it today.

Don’t let car repairs take money out of your pocket. Visit your local Member Center or call (800) 762-0047 to ask about the Route 66 Extended Auto Warranty.

Depreciation Protection Waiver (DPW)

If you desire the peace of mind that comes from knowing the money you invested in your automobile is protected, then you may want to consider Depreciation Protection Waiver.

If your automobile is ever totaled or stolen and not recovered at any time over the life of the loan, DPW will kick in and help by waiving some or all your auto loan balance in the event of the total loss of your automobile. The waiver benefit is equal to the difference between your automobile's MSRP or retail value at the time of DPW purchase, less the amount of your auto loan balance at the time of total loss. (The benefit cannot exceed the DPW addendum limit or your outstanding auto loan balance at the time of total loss.)

  • Benefit triggered by collision or comprehensive total loss, including theft
  • Life of loan protection
  • No mileage, make or year restrictions
  • Open enrollment
  • 100% refundable for first 60-days

Accidental Death protection included, which provides for cancellation of up to $1,000 of your outstanding auto or car loan balance if you die in an accident.

Auto Dealers

Already approved for a loan? You can finance a vehicle with WPCU right at the dealership. Click here to view the list of dealers.

Feature

Auto Loan
Term Loan

Green Check Mark
Fixed APR

Green Check Mark
No Fees

Green Check Mark

Feature

Auto Loan

Term Loan

Green Check Mark

Fixed APR

Green Check Mark

No Fees

Green Check Mark

Description APR
Auto Loans (2022 or Newer)

Description

Up to 63 Months

APR

5.49% - 16.19%

Description

64-75 Months

APR

5.99% - 16.69%

Description

76-84 Months

APR

6.49% - 14.19%
Auto Loans (2021 or Older)

Description

Up to 63 Months

APR

5.99% - 16.69%

Description

64-75 Months

APR

6.49% - 17.19%

Description

76-84 Months

APR

6.99% - 14.69%
Motorcycle Loans (2022 or Newer)

Description

Up to 63 Months

APR

6.79% - 18.00%

Description

64-75 Months

APR

7.29% - 18.00%

Description

76-84 Months

APR

7.79% - 16.29%
Motorcycle Loans (2021 or Older)

Description

Up to 63 Months

APR

7.29% - 18.00%

Description

64-75 Months

APR

7.79% - 18.00%

Description

76-84 Months

APR

8.29% - 11.89%
RV & Watercraft Loans (2022 or Newer)

Description

Up to 84 Months

APR

7.59% - 17.50%

Description

85-240 Months

APR

8.59% - 16.99%
RV & Watercraft Loans (2021 or Older)

Description

Up to 84 Months

APR

8.09% - 17.50%

Description

85-240 Months

APR

9.09% - 17.49%

  • Yes. The Skip-a-Pay Program allows you to choose the month of your choice to skip one payment per calendar year on qualifying loans, such as a Wright-Patt Credit Union auto loan (business auto loans are not eligible). The request for a payment skip can be made up to 6 months in advance of the monthly payment chosen and the request will automatically be processed on the date requested. There is a small fee of $10.00 per skipped payment that will be collected at the time of the request. Finance charges will continue to accrue on the loan during the month of the skipped payment, but no late fee will be charged. To be eligible, you must have a positive balance, no late payment history on the loan of more than 31 days, have had the loan more than six months, and be current on all your WPCU loans.

  • When a loan is secured with an Ohio title, it usually takes 3 to 4 weeks to release the lien. Titles are issued electronically in Ohio. If you need a paper title for your records, you can request one at your local title office. You must appear in person and present valid picture ID.

    If a loan was secured with a title from another state, the time frame in which you receive Title will vary by state.

VIEW all FAQs

  • If your new or used car is wrecked or stolen, Guaranteed Auto Protection (GAP) pays the difference between your insurance settlement and your loan balance. GAP coverage may even pay up to $1,000 of your insurance deductible as part of the deficiency balance.

    Business auto loans are not eligible for GAP insurance.

  • We’re the smart choice for financing your next car. We offer a variety of loan options, low interest rates and low-to-no fees, and can pre-approve you for a loan.

What Kind of Auto Loan Do You Need?

Find auto loans that fit your lifestyle at Wright-Patt Credit Union. We’ll guide you through every step of the loan process so you can get on the road with your next new or used car faster. Whether you’ve saved up for a down payment, have a small down payment, or no down payment, you can get in touch with our friendly partner-employees to understand your options.

All drivers want a low monthly payment, a good annual percentage rate (APR), and flexible loan options. But the terms of your loan are based upon creditworthiness, loan amount, loan term, and age of vehicle. Whatever you drive, WPCU can help you find the right kind of auto loan with the right terms for you.

Refinancing and Loans Available on New & Used Vehicles, Boats & RV or Motorcycles

Whether you need assistance financing a used or new car, boat, RV, or motorcycle, Wright-Patt Credit Union is dedicated to finding you the best loan possible. We’re also happy to help you refinance auto loans to lock in a lower payment or rate. Simply apply online, by phone, or in-person at any of our Member Centers.

We Make the Entire Loan Process Convenient for You

Getting auto loans shouldn’t be stressful. You’ve worked hard to find your next car, so why should you have to work hard for a loan application? That’s why we make the loan process as convenient as possible for our members and prospective members. You can apply for auto loans in person at one of our Member Centers, over the phone, or online 24/7. We’ll work with you to get the best terms for your loan. All of our members get the personalized, tailored service that comes with a credit union. That means we strive to offer the best possible monthly payment, annual percentage rate, and more. And we proudly work with active and retired military members to achieve their financial goals.

When you choose car buying service from WPCU, you can also benefit from available product offerings, such as Guaranteed Auto Protection (GAP) and Depreciation Protection Waiver (DPW), alongside our great auto loan rates.

  • Mobile Banking

    Manage your finances, including loans, checking or savings accounts, on the go from your smartphone or mobile device. Download the mobile app from our credit union today.

  • Financial Calculators

    Use our financial calculators to estimate monthly payments, refinance needs, estimated savings and more.

  • Brochures/Documents

    Learn more about the products, services and resources available from Wright-Patt Credit Union that can help you on your Financial Flexibility and Freedom® journey.

  • Financial Learning Center

    There is a wealth of free financial learning seminars, webinars, online resources and more at the WPCU Financial Learning Center.