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1. Click Apply Now to get started.
2. Upon approval, we'll open and fund a Savings Account with a $1 deposit for you to establish your membership.
Get Started with Your Wescom Auto Loan
Whether you're buying a new or used vehicle, refinancing your current auto loan, or purchasing your first car, Wescom offers affordable auto financing solutions designed to help you save. Enjoy competitive auto loan rates, flexible repayment options, and a first-time car buyer program that helps make vehicle ownership more accessible. As a member-focused credit union, Wescom provides the guidance and support you need to get behind the wheel with confidence.
Finance Your Next Car
Low Rates for New and Used Cars
Get started by calculating your payment , applying for a Wescom Auto Loan, or viewing current rates .
| Model Years 2022 & Newer Rates as Low as | |
|---|---|
| Rate | 5.74% APR 1 |
| Model Years 2017–2021 Rates as Low as | |
|---|---|
| Rate | 6.24% APR 1 |
| Model Years 2007–2016 Rates as Low as | |
|---|---|
| Rate | 6.99% APR 1 |
| Term | |
|---|---|
| Rate | Up to 7 years 2 |
| Additional Discounts | |
|---|---|
| Rate | 1.00% APR 3 for insuring your car with Wescom 0.25% APR 4 when you finance an electric or hybrid vehicle |
| GAP5 (Optional) | |
|---|---|
| Rate | $525.00 |
| Model Years 2022 & Newer Rates as Low as | 5.74% APR 1 |
|---|---|
| Model Years 2017–2021 Rates as Low as | 6.24% APR 1 |
| Model Years 2007–2016 Rates as Low as | 6.99% APR 1 |
| Term | Up to 7 years 2 |
| Additional Discounts |
1.00% APR 3 for insuring your car with Wescom 0.25% APR 4 when you finance an electric or hybrid vehicle |
| GAP5 (Optional) | $525.00 |
Calculate Your Auto Loan Payment
Estimate your monthly payment based on your loan amount, term, vehicle, and credit information.
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This calculator is designed to provide estimates using the information provided above. Refer to our rate table for current rates and terms. Your interest rate, payment and terms may differ based on our credit evaluation and final loan approval. We do not guarantee the accuracy of the calculator or its applicability to your circumstances.
Auto Loan Benefits and Discounts
Get the car you want with flexible financing, competitive rates, and valuable member benefits.
Auto Loan Options for Every Driver
Explore specialized auto loan options designed to help you find the right financing for your journey.
Save with a Green Auto Loan
Finance a qualified electric or hybrid vehicle with Wescom and enjoy lower fuel and maintenance costs plus a 0.25% APR discount.4 It's an easy way to save on your auto loan while supporting a cleaner commute.
Auto Loans for First-Time Buyers
Build your credit and get on the road with financing designed for new borrowers.
New to credit or still building credit history? Wescom's First-Time Borrower Program can help qualified members finance their first vehicle.
More Ways to Shop, Protect & Save
Explore vehicle shopping tools, protection options, insurance, and member benefits designed to help you get more from your Wescom Auto Loan.
AutoLand Concierge9
Simplify your car-buying experience with personalized assistance finding, negotiating, and arranging delivery of your next vehicle.
TrueCar9
Search new and used vehicles, compare pricing, and confidently shop for your next car through Wescom’s TrueCar service.
Guaranteed Asset Protection
Guaranteed Asset Protection (GAP)5 helps cover the difference between your vehicle's value and remaining loan balance after a covered total loss.
Major Mechanical Protection10
Help reduce the financial impact of unexpected, covered vehicle repairs and gain added protection after the manufacturer warranty expires.
Auto Insurance
Explore coverage for your RV, boat, or personal watercraft, with options designed to help protect your vehicle, passengers, and finances.
Earn Signature Membership Points
Receive Signature Membership Points when you purchase eligible insurance products with insurance services through Wescom11.
Wescom Auto Loans Rates and Terms
Helpful Auto Calculators
Calculate A Vehicle Payment
Compare Monthly Payment By Term
Compare Two Vehicle Loans
Purchase Or Lease A Vehicle?
Low Rate Or Cash Back?
Vehicle Affordability By Loan Term
Gas Mileage Savings With A Fuel Efficient Vehicle
Auto Loan FAQs
Frequently Asked Questions
What vehicles can I finance with a Wescom Auto Loan?
Wescom Auto Loans provide financing for eligible new and used vehicles, including older models up to 20 years old, with competitive rates and flexible repayment options.
Can I refinance my current auto loan with Wescom?
Yes. Wescom offers auto loan refinancing for eligible vehicles, helping you lower your rate, reduce monthly payments, and/or take advantage of flexible terms and available discounts.
How long are Wescom Auto Loan terms?
Wescom offers flexible auto loan terms of 60, 72, and up to 84 months, allowing you to choose a repayment option that best fits your budget and financial goals.
Does Wescom offer discounts on auto loan rates?
Yes. Qualified borrowers may be eligible for APR discounts, including a 1.00% APR discount3 when insuring their vehicle through Wescom and a 0.25% APR discount4 for eligible electric or hybrid vehicles. Discounts may be combined where applicable
Does Wescom finance electric and hybrid vehicles?
Yes. Wescom finances eligible electric and hybrid vehicles and offers a 0.25% APR discount4 on qualifying clean-energy vehicle loans. Terms and eligibility requirements apply.
What is the Wescom First-Time Borrower Program?
Wescom’s First-Time Borrower Program helps members finance their first vehicle purchase while offering opportunities to earn APR discounts8 through consecutive on-time payments, potentially reducing borrowing costs over time.
Can I defer my first auto loan payment?
Qualified borrowers may be eligible for no payments for up to 90 days7. Finance charges begin accruing immediately, and eligibility requirements apply.
How much can I borrow with a Wescom Auto Loan?
Qualified borrowers may finance eligible new and used vehicles with loan amounts up to $250,000. Approval is subject to credit qualifications, vehicle eligibility, and applicable loan-to-value guidelines.
What is Guaranteed Asset Protection (GAP)?
Guaranteed Asset Protection (GAP)5 helps cover the difference between your vehicle's value and your remaining loan balance if your vehicle is declared a total loss due to a covered incident such as theft or an accident. GAP protection is optional and subject to terms and conditions. GAP is optional and available for a one-time amount of $525, subject to terms and conditions.
What is Major Mechanical Protection (MMP)?
Major Mechanical Protection (MMP)10 helps protect vehicle owners from certain repair costs associated with unexpected mechanical breakdowns. MMP is optional and available for a one-time amount, which varies based on the vehicle's model, age, mileage, and coverage selected. Coverage details, exclusions, and eligibility requirements apply.
Disclosures
- 1 All Annual Percentage Rates (APRs) shown above are for qualified borrowers. Some restrictions may apply. All loans are subject to approval. Rates valid as of 01/01/2026 and subject to change without notice. APR may vary based on model year, term, transaction type, and credit qualifications. All transaction types are subject to collateral and loan-to-value review. See Wescom’s Auto Loan Rate Table above for payment examples. For rates, please contact Wescom at 1-888-4WESCOM (1-888-493-7266).
- 2 Maximum term based on various factors included amount financed. See Wescom’s Auto Loan Rate Table above for payment examples.
- 3 Insuring your vehicle through Wescom Financial is optional. The 1.00% APR insurance discount offer is valid on new auto loans. The 1.00% APR discount is applied to your approved auto loan rate and valid as long as you are insured through Wescom Financial. If you choose to go with another insurance provider or your policy lapses during the life of your loan, you will lose the 1.00% APR discount, resulting in higher finance charges. This increase will not change your monthly payment but may require an extra payment at the end of the term. Once a policy is cancelled, the discount cannot be reinstated on the loan.
- Insurance services offered through Wescom Financial, CA Ins License #0D64850. Terms and conditions apply. Call1-888-4WESCOM (1-888-493-7266) ext. 1080 for details.
- 4 The 0.25% APR discount is available on new auto loans and is applied to your approved auto loan rate. Loan must be for qualifying electric or hybrid vehicles to receive the 0.25% APR discount. $10,000 minimum loan amount. Terms and conditions apply. If you have any questions regarding the eligibility of your clean energy vehicle, please call us at1-888-4WESCOM (1-888-493-7266) to determine eligibility.
- 5Guaranteed Asset Protection is considered insurance coverage in some states. The purchase of GAP is voluntary and cannot be required as a condition of the loan.
- 6 Current and the prior year’s vehicle models with less than 7,500 miles may be financed up to 125% based on Manufacturers Suggested Retail Price (MSRP). The prior year’s models with 7,500+ miles and vehicle models up to 7 years old may be financed up to 125% based on Kelly Retail Blue Book (KRBB). Vehicle models 8-20 years old may be financed up to 110% based on KRBB.
- 7The no payment for up to 90 days option is available for qualified borrowers and for loan terms up to 72 months only. Finance charges begin to accrue immediately and are repaid over the life of the loan. Your first payment following the 90 days no payment option will be applied more towards the interest. This may delay the repayment of your principal. As a result, you may pay higher total finance charges on the loan than if repayments began earlier.
- 8 Total discount of up to 2.00% APR applied in increments of up to 0.50% for every six consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the floor rate for the specific loan and term at the time of funding. The monthly payment amount remains constant, with additional money going toward the principal, which shortens the term of the loan and the total amount paid over the life of the loan. Terms and conditions apply.
- 9 Wescom is not affiliated with Autoland or TRUECar.
- 10 Major Mechanical Protection (MMP) is considered insurance coverage in some states. The purchase of MMP is voluntary and cannot be required as a condition of a loan. This information is not a contract or policy and is provided as a general summary of available plan options. Please refer to your specific contract or policy for complete terms, conditions, benefits, and exclusions.
- 11 Signature Membership terms and conditions apply.
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