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Auto Loans

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Auto Loans

Whether it’s buying or refinancing vehicles, let Wescom steward your auto needs. We’ll help
put you behind the wheel!



Features

Model Years 2017 & Newer Car Lowest APR*
Rate 2.19%
Model Years 2012–2016 Car Lowest APR*
Rate 2.69%
Used Card Lowest APR
Rate 2.99%
Term
Rate Up to 7 years**
Discounts
Rate 0.50% APR
GAP (Optional)
Rate $425.00
Model Years 2017 & Newer Car Lowest APR* 2.19%
Model Years 2012–2016 Car Lowest APR* 2.69%
Used Card Lowest APR 2.99%
Term Up to 7 years**
Discounts 0.50% APR
for Platinum Signature Membership*
GAP (Optional) $425.00
Apply Now
Wescom Membership Required

2017 or Newer Model Year Vehicles

Apply Now
Term In Months APR Monthly Payment Loan Amount
Up to 125% MSRP or KRBB**
60
2.19%
$440.24
$25,000
Up to 125% MSRP or KRBB**
72
2.44%
$373.58
$25,000
Up to 125% MSRP or KRBB**
84
3.04%
$330.75
$25,000

2012 - 2016 Model Year Vehicles

Apply Now
Term In Months APR Monthly Payment Loan Amount
2012 - 2016 Models
Up to 125% KRBB**
60
2.69%
$445.74
$25,000
2012 - 2016 Models
Up to 125% KRBB**
72
2.94%
$379.14
$25,000
2015 - 2016 Models
Up to 125% KRBB**
84
3.54%
$336.42
$25,000

Features & Benefits

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Autoland Concierge Service

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FICO® Score

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Guaranteed Asset Protection

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Insurance

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Major Mechanical Protection

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Mobile Banking

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Online Banking

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TRUECAR

Autoland Concierge Service

Through Autoland, meet with a personal consultant to select, purchase and finance your vehicle.


Autoland

FICO® Score

Check your monthly credit score with FICO® Score in eBranch for free with a Wescom Loan.

†FICO® Score through Wescom is complimentary for members with an active Wescom loan in good standing, Signature Members, and Platinum Signature Members. Members must opt-in to receive a FICO® Score. FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Guaranteed Asset Protection

Guaranteed Asset Protection (GAP)* from Wescom offers you additional protection if your vehicle is deemed a total loss due to accident or theft. GAP helps cover the difference between the actual cash value of your vehicle and your loan balance.

*Guaranteed Asset Protection and Major Mechanical Protection are considered insurance coverage in some states.


Insurance

Add security and peace of mind with Wescom’s Auto Insurance, Homeowners Insurance, Renters Insurance, Life Insurance, and more


Major Mechanical Protection

Major Mechanical Protection (MMP)* from Wescom can help protect you from the costly repairs and associated expenses that an unexpected breakdown can bring.

*The purchase of MMP is voluntary and cannot be required as a condition of the loan. The information listed above is not a contract/policy. It only provides a general summary of available plan options. Be sure to read your specific contract/policy, as all benefits are subject to the terms and conditions of that contract policy.


Mobile Banking

Stay in control by managing all your accounts with ease through Wescom’s Android App and iOS App.


Online Banking

Tap into free online banking and engage with all of our mobile banking tools in eBranch.

TrueCar

Find the car you want, the way you want, with TrueCar.

Auto Loans Transfer

Transfer or refinance to lower the payment on your auto loan — all straight from your Apple® or Android™ mobile device. Loan Transfer allows you to take advantage of your Pre-Approved Auto Loan offers by helping you save time, save money by potentially lowering your monthly payment, save time, and save on banking by earning Signature Relationships to unlock added Signature Membership savings and benefits*

Here’s how it works:

Step One: Start with your current auto loan documentation including your current loan statement, Vehicle Registration, Proof of Insurance, and the current mileage on your vehicle.

Step Two: Use the Document Capture feature to snap a picture of your current auto loan documentation.

Step Three: Fill in the requested information and submit. We'll do the rest.

Download App

Signature Membership terms and conditions apply.

*Used service in the past calendar month.

Can We Help You Find Something?

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
Disclosures
Account opening and Visa® Debit Card subject to verification through an account verification service and reserve the right to deny any application based on the results of negative information received through that service; and Credit Union approval. Anyone who lives, works, worships, or attends school in Southern California is eligible to open an account at Wescom. A $1 deposit to a Regular Savings Account is required. Certain conditions and restrictions apply. Ask for further details.

*All Annual Percentage Rates (APRs) shown above are for qualified borrowers and include a 0.50% discount for Platinum Signature Membership, a 0.50% discount for Wescom automobile insurance policyholders and a 0.25% discount for Automatic Payment from a Wescom Checking Account. The Platinum Signature Membership discount does not apply to members who are disqualified from Signature Membership. Learn more about this Signature Member benefit. Some restrictions may apply. Loan approval subject to credit and income evaluation. Rates subject to change without notice.

**Maximum term based on various factors included amount financed. Up to 125% Manufacturers Suggested Retail Price (2021-2022 and 2020 model year vehicles with 7,500 miles or less) or Kelly Retail Blue Book.

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Savings and Discounts

Besides excellent rates, a Wescom Auto Loan offers:

  • Up to a 7-year term†† on new and used cars, to help keep payments as low as possible
  • Up to 125% financing on new and used cars, including tax, license, and extended warranty
  • No payments for up to 90 days***
  • 0.50% APR discount for Platinum Signature Membership****
  • 0.25% APR discount for having Automatic Payment from a Wescom Checking Account
  • 0.50% APR discount for insuring your new vehicle with Wescom

†† Maximum term based on various factors including amount financed.
*** The 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. As a result, you may pay higher total finance charges on the loan than if repayments began earlier.
**** The Platinum Signature Membership discount does not apply to members who are disqualified from Signature Membership. Learn more about Signature Membership. Some restrictions may apply.


Access to FICO Score

Check your monthly credit score with FICO® Score Summary in eBranch†.
Just one of the many benefits of being a Wescom Signature Member.


†FICO® Score summary through Wescom is complimentary for members with an active Wescom loan in good standing, Signature Members, and Platinum Signature Members. Members must opt-in to receive FICO® Score Summary. FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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