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Refinance Your
Existing Auto Loan

Save When You Move Your Loan to Wescom

We’ll help save you time and money when you refinance your existing auto loan with Wescom.

Three Reasons to Refinance Your Auto Loan

get DISCOUNTS

  • 0.50% APR1 discount for insuring your vehicle with Wescom
  • 0.25% APR2 discount for financing an electric or hybrid vehicle

save TIME

  • Make payments simple by setting up automatic payments from your Wescom account.
  • Refinance your loan straight from your Apple® or Android™ mobile device

save MONEY

  • No payments for up to 90 days3
  • Potentially lower your monthly payment, interest rate, or term — or all three!
  • Up to a 7-year term4 on new and used cars, to help keep payments affordable
  • Up to 125% financing on new and used cars, including tax, license, and extended warranty
  • May qualify for a better rate if your credit score improved since funding your vehicle

See If You Qualify for an Auto Loan

Ready to refinance? Here's how to know if you're eligible:

  • Must have an existing auto loan at another lender.
  • Vehicle must be 20 model years old or newer.
  • Maximum mileage must be 150,000. Certain Loan-to-Value (LTV) restrictions apply.

Wescom does not offer financing for commercial vehicles, motorcycles or RVs.

Get Started with Your Wescom Auto Loan

Not ready to hop in the driver’s seat yet? Use our auto loan payment calculator to feel more confident in your finances. 


Complete the below and adjust the fields to your desired monthly payment. When you’re ready, select Apply Now.


Estimated Monthly Payment:


$0.00



Estimated Interest Rate:


{{ this.rate }}%

Apply Now

This calculator is designed to provide estimates using the information provided above. Refer to our website 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.

Disclosures

APR = Annual Percentage Rate. All loans are subject to approval. All programs subject to change without notice. Membership eligibility required. Terms and conditions apply.

1 Insuring your vehicle through Wescom Insurance Services (WIS) is optional. Discount only applies if you choose to stay with WIS. If you choose to leave WIS for another insurance provider, you will lose the 0.50% APR discount, which will result 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. Lic. #0D64850. Terms and restrictions may apply. Please call 1-888-4WESCOM (1-888-493-7266) ext. 1080 for details.

2 Loan must be for qualifying electric or hybrid vehicles to receive the 0.25% APR discount. If you have any questions regarding the eligibility of your clean energy vehicle, please call us at 1-888-4WESCOM (1-888-493-7266). $10,000 minimum loan amount.

3 No payments for up to 90 days option is available for qualified borrowers. 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. You may pay higher total finance charges on the loan than if payments began earlier.

4 At a rate of 6.99% your monthly payment on an 84-month term would be $15.09 per $1,000 borrowed.