Love your car but hate the payments?

Refinance your existing car loan from another lender
Rates as low as 6.65% APR*


  • Refinance for a Better Rate! Refinance with WCTFCU to lower your rate and your payments. Plus, save on interest over the life of the loan.
  • Customized Financing. Excellent credit? Credit challenged**? We may be able to customize a loan to fit your budget.
  • Less than perfect credit? Give us a call! We are here to help you get the loan you need and offer steps to help you improve your credit score.
  • Online Application - Secure, quick & easy - processed by our local, friendly Lending Department.
  • Calculate your savings by using our helpful Auto Loan Calculator, Auto Refinance Interest Savings Calculator & Loan Comparison Calculator.
  • Protection for your loan: Gap Insurance & Extended Warranty are available.

    Apply online now

    *Annual Percentage Rate. Rate effective January 1, 2024. Rate includes a 0.25% discount for payments made through automatic deduction by payroll, direct deposit or automatic transfer from shares. Rate is for autos and motorcycles with model years 2019 to 2024. Rate determined by credit history.  Not all applicants will qualify for this rate. Rate and discount offer subject to change without notice. Available to qualified, eligible WCTFCU members. Additional rates and terms available. Payment example: $10,000.00 loan at 6.65% APR for 48 months is approximately $250 a month.