Financing your new or used car is easy with Wright-Patt Credit Union ® . We offer an easy application process, competitive auto loan rates, and extraordinary service. With flexible vehicle loan terms, we can help to find a loan payment that fits your budget. Plus, we offer additional car buying service offerings like GAP protection and more.
Auto financing couldn’t be easier with Wright-Patt Credit Union. Auto loan applications are available online or when you stop into any Member Center . We strive to make the application process for auto loans easy for you by offering convenience and great rates. Once you have been pre-approved, go to any of our participating area auto dealerships, sign a few papers to finalize your loan, and you’ll be good as new and on the road in no time.
Looking for a loan on specialty vehicles like horse trailers, car haulers or ATVs? Contact us for more information.
Auto Loan Fast Facts:
You work hard for your money and even harder to keep your budget on track. So why spend too much on car insurance?
As part of Wright-Patt Credit Union, CoverPoint believes in making insurance accessible, affordable and easy to navigate. They can help you and your family build financial security and prepare for life’s unexpected events with personalized coverage for priceless peace of mind.
Auto Insurance Auto insurance helps provide financial protection for you and the vehicle you rely on. Let CoverPoint help you find affordable auto insurance that covers what you need. CoverPoint’s friendly, local advisors can help you find the auto insurance coverage you need at a price you can afford.
Learn more about how CoverPoint can help you or request a free quote online today.
Guaranteed Auto Protection (GAP)
Buying a car is a big financial decision but did you know that if your car is totaled or stolen, you could end up having to pay thousands on a car you can’t drive anymore? That’s because of the way cars depreciate - the outstanding balance on the auto loan is usually higher than what your insurance company will pay.
Wright-Patt Credit Union offers GAP, a product that pays the difference between your insurance settlement and what you still owe on your car. If you are interested in obtaining GAP on your auto loan, simply ask a participating dealership if it can be included in your financing when you start the car loan application process.
Peace of mind couldn’t be any easier to come by!
Route 66 Extended Auto Warranty
Auto repairs can be expensive and that’s why we offer the Route 66 Extended Auto Warranty. This policy not only protects your budget from costly auto repairs, but you also receive these benefits--
By purchasing the warranty before your manufacturer’s warranty expires, you will have seamless, uninterrupted coverage. Unlike many other warranties, the Route 66 Extended Auto Warranty can be purchased at any time, whether you bought your car ten years ago or you’re buying it today.
Don’t let car repairs take money out of your pocket. Visit your local Member Center or call (800) 762-0047 to ask about the Route 66 Extended Auto Warranty.
Depreciation Protection Waiver (DPW)
If you desire the peace of mind that comes from knowing the money you invested in your automobile is protected, then you may want to consider Depreciation Protection Waiver.
If your automobile is ever totaled or stolen and not recovered at any time over the life of the loan, DPW will kick in and help by waiving some or all your auto loan balance in the event of the total loss of your automobile. The waiver benefit is equal to the difference between your automobile's MSRP or retail value at the time of DPW purchase, less the amount of your auto loan balance at the time of total loss. (The benefit cannot exceed the DPW addendum limit or your outstanding auto loan balance at the time of total loss.)
Accidental Death protection included, which provides for cancellation of up to $1,000 of your outstanding auto or car loan balance if you die in an accident.
Already approved for a loan? You can finance a vehicle with WPCU right at the dealership. Click here to view the list of dealers .
Yes. The Skip-a-Pay Program allows you to choose the month of your choice to skip one payment per calendar year on qualifying loans, such as a Wright-Patt Credit Union auto loan (business auto loans are not eligible). The request for a payment skip can be made up to 6 months in advance of the monthly payment chosen and the request will automatically be processed on the date requested. There is a small fee of $10.00 per skipped payment that will be collected at the time of the request. Finance charges will continue to accrue on the loan during the month of the skipped payment, but no late fee will be charged. To be eligible, you must have a positive balance, no late payment history on the loan of more than 31 days, have had the loan more than six months, and be current on all your WPCU loans.
When a loan is secured with an Ohio title, it usually takes 3 to 4 weeks to release the lien. Titles are issued electronically in Ohio. If you need a paper title for your records, you can request one at your local title office. You must appear in person and present valid picture ID.
If a loan was secured with a title from another state, the time frame in which you receive Title will vary by state.
If your new or used car is wrecked or stolen, Guaranteed Auto Protection (GAP) pays the difference between your insurance settlement and your loan balance. GAP coverage may even pay up to $1,000 of your insurance deductible as part of the deficiency balance.
Business auto loans are not eligible for GAP insurance.
We’re the smart choice for financing your next car. We offer a variety of loan options, low interest rates and low-to-no fees, and can pre-approve you for a loan.
Both options are common, but credit unions offer competitive interest rates and flexible loan terms. Financing through a credit union also gives you the option to get pre-approved before you visit a dealership.
Credit unions are not-for-profit organizations, which allows them to offer competitive loan rates and lower fees for their members.
Yes. Many financial institutions allow you to get pre-approved for an auto loan before visiting a dealership. This helps you know your budget and may strengthen your negotiating position.
Auto loan requirements vary by lender, but higher credit scores typically qualify for better interest rates and loan terms.
Dealer financing can be convenient as a one-stop shop option and may occasionally offer promotional rates. However, it is still wise to compare rates from banks and credit unions before making a decision.
Find auto loans that fit your lifestyle at Wright-Patt Credit Union. We’ll guide you through every step of the loan process so you can get on the road with your next new or used car faster. Whether you’ve saved up for a down payment, have a small down payment, or no down payment, you can get in touch with our friendly partner-employees to understand your options.
All drivers want a low monthly payment, a good annual percentage rate (APR), and flexible loan options. But the terms of your loan are based upon creditworthiness, loan amount, loan term, and age of vehicle. Whatever you drive, WPCU can help you find the right kind of auto loan with the right terms for you.
Whether you need assistance financing a used or new car, boat, RV, or motorcycle, Wright-Patt Credit Union is dedicated to finding you the best loan possible. We’re also happy to help you refinance auto loans to lock in a lower payment or rate. Simply apply online, by phone, or in-person at any of our Member Centers .
Getting auto loans shouldn’t be stressful. You’ve worked hard to find your next car, so why should you have to work hard for a loan application? That’s why we make the loan process as convenient as possible for our members and prospective members. You can apply for auto loans in person at one of our Member Centers, over the phone, or online 24/7. We’ll work with you to get the best terms for your loan. All of our members get the personalized, tailored service that comes with a credit union. That means we strive to offer the best possible monthly payment, annual percentage rate, and more. And we proudly work with active and retired military members to achieve their financial goals.
When you choose car buying service from WPCU, you can also benefit from available product offerings, such as Guaranteed Auto Protection (GAP) and Depreciation Protection Waiver (DPW), alongside our great auto loan rates.
Manage your finances, including loans, checking or savings accounts, on the go from your smartphone or mobile device. Download the mobile app from our credit union today.
Use our financial calculators to estimate monthly payments, refinance needs, estimated savings and more.
Learn more about the products, services and resources available from Wright-Patt Credit Union that can help you on your Financial Flexibility and Freedom® journey.
There is a wealth of free financial learning seminars, webinars, online resources and more at the WPCU Financial Learning Center .
"WPCU has been such a jewel for my family. I had my 16 year old daughter become a member as well."