Serving you for life
Serving you for life
Rates, terms, and approvals — built around you.
Finance your dream vehicle
Smart rates on quality used cars
Lower your monthly payment
Save with eco-friendly financing
Save up to 0.25% APRSupport for limited credit history
No Co-Signer Needed*Keep the vehicle you love
Seamless Lease-End TransitionBuy directly from a seller
Expert Help, Every StepCombine eligible discounts for maximum savings. For example, with excellent credit financing a new electric vehicle with Wescom insurance:
Member-focused service, competitive rates, and commitment to your financial success.
Get pre-approved in minutes with our easy online application.
Transparent pricing with no application fees or surprises.
Bank-level encryption to keep your information safe.
Flexible terms designed to fit your budget and lifestyle.
Local specialists ready to guide you from start to finish.
Apply online in minutes and get same-day funding.
From application to approval in just a few simple steps. Join 113,000+ members who trust Wescom for their auto financing needs.
Complete our secure online application and submit your request in just a few steps.
Receive your car loan approval decision as quickly as the same day.
Browse dealerships with confidence knowing your auto financing is ready.
Finalize your auto loan paperwork and drive home in your new or used vehicle the same day.
Calculate your monthly payment, explore member benefits, and access tools to make informed car financing decisions.
Stack discounts and save! Apply online or in-branch.
| Loan Type | Excellent (720+) |
Good (660-719) |
Fair (620-659) |
Max Term | |
|---|---|---|---|---|---|
| New Auto Loan | 5.74% | 6.49% | 7.49% | Up to 84 mo | Learn More |
| Green Auto Loan | 5.49% | 6.24% | 7.24% | Up to 84 mo | Learn More |
| Used Auto Loan | 6.24% | 6.99% | 7.99% | Up to 84 mo | Learn More |
| Older Used Auto | 6.99% | 7.74% | 8.74% | Up to 72 mo | Learn More |
| Auto Refinance | 6.24% | 6.99% | 7.99% | Up to 84 mo | Learn More |
| First-Time Borrower | 10.49% | 10.74% | 11.24% | Up to 72 mo | Learn More |
Ready to secure your best rate?
Apply safe and secure online and drive off with your dream car!
Save 1% APR when you insure your vehicle with Wescom Insurance Services
Earn 2% APR reduction after 6 months of consecutive, timely payments
Get 0.25% APR off when financing an electric or hybrid vehicle
Our loan specialists are available 6 days a week to help you find the perfect auto loan.
Important Disclosures: APR = Annual Percentage Rate. Rates are based on an evaluation of individual creditworthiness, loan term, and vehicle model year, and are subject to change without notice. Not all applicants will qualify for the lowest rate shown. Rates and terms are current as of the date shown on this page and are subject to change at any time.
Calculator Disclaimer: The payment examples and calculators provided on this page are for illustrative purposes only and do not constitute an offer, commitment, or guarantee of any specific rate or term. Actual payments may vary based on your credit profile, the amount financed, taxes, fees, and other factors determined at the time of application.
Membership Requirements: Membership in Wescom Financial Credit Union is required to obtain any loan product, and is subject to eligibility requirements. A one-time membership fee and minimum share deposit may apply. See a Wescom representative for full membership eligibility details.
Vehicle Loans: Vehicle must meet Wescom's lending guidelines, including age, mileage, and condition requirements. Financing is subject to credit approval and vehicle appraisal. Additional restrictions may apply to certain vehicle makes, models, or model years. New Car Loan, Used Auto Loan, and Auto Refinance products may have distinct eligibility requirements.
Rates and Terms: Loan terms of 24–84 months are available depending on the loan amount, loan type, and credit qualification. Discounts, including the EV/Hybrid discount, first-time borrower reward, and the Wescom auto insurance discount, may be combined but cannot reduce the APR below the credit union's minimum published rate.
Specialized Financing Programs: Green Auto Loan, First-Time Buyer, Lease Buyout, and Private Party financing programs are subject to additional eligibility criteria beyond standard auto loan underwriting. Contact a loan specialist for full program details.
Lease vs. Purchase: The decision to lease, buy out a lease, or purchase a vehicle depends on your individual financial situation, driving habits, and long-term goals. Wescom does not provide tax or financial advice; consult a qualified advisor before making a financing decision.
Federally insured by NCUA. Equal Housing Lender. © 2026 Wescom Financial. All rights reserved.