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Auto Loans

Buying a auto can be an exciting yet intimidating experience. Did you get the best price? Will Insurance be a problem? Can you afford the payments. Let WSSC Federal Credit Union answer those questions with our custom calculators. With the best rates around and the resources to help make the best decision, when looking for vehicle financing, WSSC Federal Credit Union is your one stop shop.
New Auto – 110% Financing Available – Based on MSRP
    • Up to 84 month repayment term
    • Pre-Approved Auto Loans Available
    • Rates as low as 1.74% APR*
Almost New Auto – 110% Financing Available – Based on MSRP
    • Up to 84 month repayment term
    • Current or prior model year
    • Less than 24,000 miles
    • Rates as low as 1.74% APR*
Used Auto – 110% Financing Available – Based on NADA clean retail value
    • Up to 84 month repayment term
    • Rates as low as 3.24% APR*

Motorcycles

    • $30,000 maximum
    • 100% of invoice
    • New motorcycles only
  • Rates as low as 2.74% APR*

*Includes discount of 0.50% for payment by Payroll or ACH.

Other Helpful Links

NADA
Edmunds
Kelly Blue Book
Consumer Reports
J.D. Power and Associates
Car and Driver
Motor Trend
Insurance Institute for Highway Safety

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GAP Coverage

GAP protection steps in and pays the difference between the amount your insurance company pays and the amount owed on your loan, in the event your auto is stolen and not recovered or totaled in an accident and cannot be repaired. WSSC FCU’s partner also provides $1,000 toward the purchase of a replacement auto, when it is financed through the credit union. We provide GAP coverage at a reasonable cost of $350.00, which can be wrapped into your loan. We’ve seen rates as high as $1,500 for GAP coverage offered through dealerships.

Extended Warranty

When purchasing a new auto some buyers will choose to opt for an extended warranty, which provides protection for those desiring to keep the auto beyond the original manufacturer’s warranty. The warranty can be included in the financing, along with GAP and other add-ons. You should always research the auto you are buying before going to the dealership to make sure that you really need an extended warranty. If you determine that you do need it, please give the credit union a call and price our extended warranty coverage, to make sure that you are getting the best deal.

Checkout the following web sites when researching your next auto:

A Carfax repot can tell you about a vehicle's title, ownership, and mileage history and may also include additional information such as accident indicator and service records. Carfax reports ordinarily cost $39.99. At WSSC FCU they're $14.95 if you're getting an auto loan from us and $19.95 if you aren't.

A Carfax repot can tell you about a auto’s title, ownership, and mileage history and may also include additional information such as accident indicator and service records. Carfax reports ordinarily cost $39.99. At WSSC FCU they’re $14.95 if you’re getting an auto loan from us and $19.95 if you aren’t.