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Auto Loans

Apply Now Schedule an Appointment

Get Started with Your Wescom Auto Loan

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

Apply Now

Finance Your Next Car

Model Years 2020 & Newer Rates as Low as
Rate 5.99% APR1
Model Years 2015–2019 Rates as Low as
Rate 6.49% APR1
Model Years 2005–2014 Rates as Low as
Rate 7.24% APR1
Term
Rate Up to 7 years2
Discounts
Rate 0.50% APR
GAP3 (Optional)
Rate $525.00
Model Years 2020 & Newer Rates as Low as 5.99% APR1
Model Years 2015–2019 Rates as Low as 6.49% APR1
Model Years 2005–2014 Rates as Low as 7.24% APR1
Term Up to 7 years2
Discounts 0.50% APR
insuring your car with Wescom
GAP3 (Optional) $525.00
Apply Now

View Rates

Get started and apply for a Wescom Auto Loan by calculating your payment below or view current rates!
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Auto Loan Savings and Discounts

You can count on these savings when it comes to your Wescom Auto Loan:
  • ✔ Up to a 7-year term4 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 days5

Plus, enjoy these additional discounts:
  • ✔ 0.50% APR discount for insuring your vehicle with Wescom
  • ✔ 0.25% APR discount for financing an electric or hybrid vehicle6
  • ✔ 2.00% APR discount for first-time borrowers after 6 months of consecutive, timely payments7 

Save with a Green Auto Loan

Wescom cares about the environment and your wallet. When you buy or refinance an electric or hybrid vehicle with Wescom, you’ll not only be saving gas, maintenance costs, and our planet – you’ll also get a 0.25% APR1 discount!6

To calculate your potential monthly auto loan payment, click here.

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.


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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.

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.

Wescom is not affiliated with Autoland or TRUECar.

Autoland

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FICO® Score

Check your monthly credit score with FICO® Score in Online Banking 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 your vehicle 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 Online Banking.

TrueCar

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

Wescom is not affiliated with Autoland or TRUECar.

Get Started

Wescom Auto Loans

Term In Months** APR* as low as Monthly Payment Loan Amount
2020 or Newer Model Year
Vehicles Up to 125% MSRP or KRBB 		60 5.99% $483.18 $25,000
2020 or Newer Model Year
Vehicles Up to 125% MSRP or KRBB 		72 6.24% $417.15 $25,000
2020 or Newer Model Year
Vehicles Up to 125% MSRP or KRBB 		84 6.74% $374.14 $25,000

Term In Months** APR* as low as Monthly Payment Loan Amount
2015–2019 Model Year
Vehicles Up to 125% KRBB 		60 6.49% $489.01 $25,000
2015–2019 Model Year
Vehicles Up to 125% KRBB 		72 6.74% $423.10 $25,000
2015–2019 Model Year
Vehicles Up to 125% KRBB 		84 7.24% $380.25 $25,000
Term In Months** APR* as low as Monthly Payment Loan Amount
2005–2014 Model Year
Vehicles Up to 110% KRBB 		60 7.24% $497.84 $25,000
2005–2014 Model Year
Vehicles Up to 110% KRBB 		72 7.49% $432.12 $25,000

First-Time Borrower Program

If you’re ready to buy your first vehicle, Wescom can help. Through our First-Time Borrower Program, qualified borrowers can earn a 0.50% APR discount after six months of consecutive, timely payments for up to a maximum 2.00% APR discount.7 No matter what your credit situation is, we can help get you on the road with a Wescom Auto Loan.

Learn More

Get Rewarded for On-Time Payments!

You can count on us when it comes to getting rewarded for on-time payments. We are happy to offer a Timely Incentive Repayment Program (TRIP) to help our members get the best rates! Here’s how it works:

  • If your auto or personal loan was not assigned our best available rate, excluding discounts, you will automatically be enrolled in TRIP.
  • Every six months during the term of your loan, we’ll automatically review your payment history.
  • If you’ve made six consecutive on-time payments, you may receive a rate reduction of up to 0.50% APR for a maximum reduction of 2.00% APR.
  • Your minimum payment will remain the same, however, the rate reductions will reduce the amount of interest charged and help you pay the principal loan balance faster.

* APR = Annual Percentage Rate. Total discount of up to 2.00% APR applied in 0.50% APR increments 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 time of funding. Monthly payment amount remains constant, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan.

A first instance of a late payment will reset any progress toward a TRIP rate reduction so that six consecutive, on-time monthly payments will be required for the next rate reduction. A second instance of a late payment will disqualify you from any additional TRIP discounts for the remainder of the loan. Any instance of a “Skip a Pay” option will advance the review date by an additional month. No TRIP rate reduction will be applied on the review date if there are any restrictions on your account. In addition, your TRIP progress will reset so that six consecutive, on-time monthly payments will be required for the next rate reduction. Any loan modifications or deferments will disqualify you from the TRIP program. Changes in rate reduction will be shown on monthly periodic statements and eStatement or by US mail. Offer may be discontinued or changed at any time without notice.

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Disclosures

  • 1 All Annual Percentage Rates (APRs) shown above are for qualified borrowers. Some restrictions may apply. Loan approval subject to credit and income evaluation. Rates subject to change without notice.
  • 2 Maximum term based on various factors included amount financed. Up to 125% Manufacturers Suggested Retail Price (2023-2024 and 2022 model year vehicles with 7,500 miles or less) or Kelly Retail Blue Book.
  • 3 Guaranteed 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.
  • 4 Maximum term based on various factors including amount financed.
  • 5 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.
  • 6 The 0.25% APR discount is applied to your approved auto loan rate. 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) to determine eligibility. $10,000 minimum loan amount. Terms and conditions apply and all loans subject to approval.
  • 7 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. Some restrictions may apply.

  • Insurance services offered through Wescom Credit Union, CA Ins Lic #0D64850

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