Auto Loans

The road to your next ride starts right here.

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All our auto loans feature driver-friendly rates and express-lane service.

100% financing available
Repayment terms up to 84 months
Same-day approvals available in many cases
No prepayment penalties

Between job commutes, shopping trips and family outings, you cover a lot of miles. When it's time for a new or used car, truck, or pickup, you can't afford to wait around for a financing decision. Our lightning-fast approvals get you out on the road with no detours or delays.

  • Competitive rates
  • Flexible loan terms for new or used vehicles
  • No prepayment penalties - reduce your interest by paying early
  • Easy application and same-day approval in most cases
  • Many local dealerships can provide on-the-spot financing with WESTconsin Credit Union
  • Refinance existing vehicle loans
  • View our competitive vehicle loan rates
  • Calculate your monthly vehicle loan payments
  • Protect your purchase with optional Payment Protection, Guaranteed Asset Protection, and Mechanical Repair Coverage

Member Discounts

Whether you're purchasing a new vehicle or refinancing one your already own, WESTconsin offers money-saving discounts. Enjoy a 0.50% Gold or 0.25% Silver discount, determined by your Membership Value Pricing program status.

WESTconsin Credit Union serves members in Wisconsin and in Minnesota. Find a location near you.

Frequently asked questions

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When applying for a loan with WESTconsin it is helpful to have the following items handy

  • Your member number
  • Social Security Number, date of birth, employment, and income (hourly rate or annual salary) information
  • For Wisconsin Residents who are married: We include both parties’ information on our loan applications in marital property states so having spousal information available expedites your process
  • If you have a vehicle already selected, we collect the following information:
  • Year, Make, Model and Miles
  • Sales Price
  • VIN (if available)
  • If no vehicle is selected, we can run through a “pre-approval

Being preapproved helps you focus on negotiating the best price, knowing that you won’t be surprised when you close the deal. Plus, dealers tend to take people more seriously when they come in with preapproved financing because it means you’re ready to do business and not just window shopping.

We understand that sometimes the vehicle-buying process is urgent. Our loan specialists will answer your questions and help expedite the simple application and approval process.

Yes. At WESTconsin, there are no prepayment penalties for paying off your loan faster than your payment schedule. In fact, it’s a great way to save on interest over the long run.

Yes, we offer a debt protection benefit plan in the event of death, disability or involuntary unemployment. Learn more or speak to your loan specialist for additional details.

We make it easy to apply.

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Helpful Resources

Auto Rebate vs Low Interest Finance Calculator
Compare the savings with a rebate vs getting a lower rate.
Car Loan Payment Calculator
See what your monthly loan payment will add up to.
Find an Office
Locate the nearest a WESTconsin office near you.
Financial Education
Explore our financial literacy program and seminars.
Payment Protection
 Protect you and your family in case something unforeseen happens.

Finance what life brings your way

We offer personal loans with convenient payment options and one day approvals.
Personal Loans