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WSECU Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 21 November 2023
Fact checked

Washington State Employees Credit Union auto loans overview

Washington State Employees Credit Union logo

Washington State Employees Credit Union (WSECU) offers auto financing in Washington communities. With competitive fixed rates, flexible payment plans, and convenient ways to apply, members can secure the right loan. In addition, WSECU provides a range of choices, including loans for recreational vehicles, boats, and motorcycles.

Want to see what a WSECU auto loan will cost? Try the Washington State Employees Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Washington State Employees Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: $250,000.
  • Interest rates: 7.19% to 14.64% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

WASHINGTON STATE EMPLOYEES CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

You can purchase a pre-owned or new car or refinance your current loan with WSECU. 2021 and newer models start at 7.19% APR, while 2020 and older vehicles begin at 7.49% APR. But if you’re looking for classic vehicles, you can finance one for as low as 8.74% APR.

Recreational vehicle loans

WSECU provides loans for recreational vehicles, too. You can borrow up to $250,000 and stretch your term length for up to 180 months. For RVs, rates start at 7.69% APR. But if you’re looking to finance boats, rates range from 7.49% to 17.40% APR.

Motorcycle loans

You can also finance up to $75,000 for your two-wheel ride. Motorcycle loans have rates ranging from 7.49% to 15.94% APR and a maximum term of 84 months.

Washington State Employees Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$25,000

Term

60 months

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Washington State Employees Credit Union

Washington State Employees Credit Union auto loan

Washington State Employees Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Washington State Employees Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a WSECU auto loan

Eligibility criteria

WSECU doesn’t disclose the criteria for car loans, but you commonly need to be:

  • A member of WSECU
  • At least 18 years old
  • A legal resident
  • Employed or have a reliable source of income

Remember that your rate may depend on several factors, including your credit score. So, ensure you have good credit before you apply to qualify for favorable interest rates and repayment terms.

How to join Washington State Employees Credit Union

WSECU membership is open to anyone who meets the following:

  • State employees
  • Live, work, or worship in Washington State
  • Related to someone eligible for membership
  • CWU, Evergreen, UW, or WSU students

What you’ll need to have ready

Personal details

When you apply for auto financing with Washington State Employees Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide WSECU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

It will also help to understand the loan application process. Understanding the steps will make the application easier. Plus, this will give you insights into how you can get higher chances of getting approved.

Ways to apply for a WSECU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-562-0999

Additional WSECU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may take a few business days depending on your situation.
  • Rate discounts: Possible lower rates for members with excellent credit history.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: Skip-a-pay available. (Know more)
  • Ways to repay: Online banking, mobile banking, over the phone, by mail, and in person.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Up to 175,000 miles.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Fixed rates for easier budgeting.
  • Flexible repayment terms.
  • Up to 125% financing.
  • No prepayment penalties.
  • Convenient online application.
  • Prequalification and preapproval offered.
  • Easy payment options – online and mobile banking, over the phone, by mail, and in person.
  • Dealership and private auto sales allowed.
  • Purchase and refinance available.
  • Optional guaranteed asset protection (GAP) offered.

Cons

  • Limited to members.
  • Undisclosed loan fees.
  • Unspecified minimum loan amount.

FREQUENTLY ASKED QUESTIONS

How much interest does WSECU charge on auto loans?

New auto loan rates range from 7.19% to 10.69%, while used auto loans have rates from 7.49% to 14.64% APR.

Are WSECU vehicle loan interest rates fixed or variable?

WSECU’s auto loans have fixed rates.

Does Washington State Employees Credit Union refinance auto loans?

Yes. You can refinance an existing loan from another lender for up to 150%.

How much do I qualify for with a WSECU car loan?

You may borrow up to 125%. Remember though that your maximum loan amount may vary based on different factors, like your credit rating.

How to apply for a Washington State Employees Credit Union auto loan?

You can apply online, schedule a visit, or work with a dealership.

How do I pay my Washington State Employees Credit Union car loan?

You can pay your auto loan through online and mobile banking, over the phone, by mail, and in a branch.

Video: WSECU mobile banking app – Awareness

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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