Steps to Financing a Great Auto Loan!

Steps to Financing a great Auto Loan

Love your car but hate the payments?


Refinance your existing car loan from another lender
Rates as low as 3.65% 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 can 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 October 1, 2022. Rate includes a 0.25% discount for payments made through automatic deduction by payroll, direct deposit or automatic transfer from shares. Rate determined by credit history. 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 3.65% APR for 48 months is equal to a monthly payment of $224.25.

Purchase, Lease or Refinance - New & Used Vehicles


WCTFCU offers a wide variety of competitive vehicle financing options.

  • Great low rates.
  • Flexible terms - up to 84 months on new autos and 72 months on most used autos.
  • Up to 100% financing.
  • Fast application and approval process.
  • Pre-approvals available for added buying power.
  • Save money by refinancing an existing car loan from another lender with WCTFCU. 

Visit our Car Buying Tools page for a complete car buying experience, from research to purchase.  
Apply online now

Boat and Recreational Vehicle Loans

We offer competitive financing options for purchases and refinances on Boats, RVs and Travel Trailers.
  • Great low rates.
  • Flexible terms up to 120 months on new models and 84 months on used models.
  • Up to 100% financing.
  • Fast application and approval process.
  • Pre-approvals available to give you more buying power.

Motorcycle Loans

Looking to purchase a new or used motorcycle? Want to refinance an existing loan from another lender? WCTFCU has great rates and worry free financing so you can enjoy the open road while saving money.
  • Great low rates.
  • Flexible terms up to 84 months on new motorcycles and 72 months on most used motorcycles.
  • Up to 100% financing.
  • Fast application and approval process.
  • Pre-approvals available to give you more buying power.