Auto Loans
New car. Used car. Refinance. We can help.
- 固定利率和灵活期限
- 经销商或私人汽车销售贷款
Auto Loans
New car. Used car. Refinance. We can help.
- 固定利率和灵活期限
- 经销商或私人汽车销售贷款
Auto Loan Rates
Rates and terms listed are current as of May 1, 2024. Rates and terms are subject to change at WSECU's discretion.
计算你的车贷.
按照你的条件购买下一辆车
预审资格以获得成功. 当你准备好买的时候, apply for your WSECU auto loan before purchase and be ready to negotiate for your best deal.
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1
Prequalify
Complete the first portion of the application for an estimate and no impact on your credit score.
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2
Shop around
With a loan estimate in mind, you can shop around and plan a budget.
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3
Get preapproved
Ready to buy? Complete your application and take your preapproval letter directly to the dealership.
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4
Buy your car
买你想要的车. Easy peasy.
Cover the GAP
保证资产保障(GAP) can help protect your investment by covering the difference between your vehicle’s value and the amount you owe on your loan. 如果你的车全毁了, 你可能有资格得到1美元,000 down payment on your next purchase if you finance with us again.
当你申请贷款时，包括GAP, or add it within the first 18 months of your loan by calling 800.562.0999 or visiting 离你最近的分行.
FAQ
Click any of the Get my rate 按钮，并在网上申请， 安排约会 to meet with a loan officer, stop by a branch or call the Contact Center. 你也可以直接在a 信用社直接贷款经销商.
Anyone who is eligible for membership with WSECU may apply for an auto loan.
To prequalify, 或者通过资格预审, means a lender provides an estimated loan offer without doing a full credit check. 资格预审不会影响你的信用评分. Because the estimate is provided without full credit information, neither the loan amount nor the rate are guaranteed.
被预先批准, 或者获得贷款预批准, means the lender has made a firm loan offer that is valid through a specified time frame. 申请人可以接受或拒绝预批准. Getting preapproved is helpful if you want to choose a lender and know your loan terms before making a vehicle purchase.
Yes. 如果你还没选好车, you can still request to be preapproved for your target loan amount. 如果你已经选择了一辆车, the application will ask for specific information such as year, make, model and VIN.
No.
The auto loan application will conclude with a message stating that WSECU will be in contact in the next couple of business days. Next steps will vary depending on whether you’re refinancing a vehicle, purchasing from a private party or purchasing from a dealer.