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Wings Financial Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 25 November 2023
Fact checked

Wings Financial Credit Union auto loans overview

Wings Financial Credit Union logo

Founded in 1938, Wings Financial Credit Union stands as Minnesota’s largest credit union and has a wide variety of vehicle financing options. Members can choose from loans tailored to new and pre-owned cars, trucks, SUVs, motorcycles, boats, aircraft, and more. On top of these, Wings offers rate discounts, helpful search resources, and an easy loan application process.

Want to see what a Wings auto loan will cost? Try the Wings Financial 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 Wings Financial Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 100%.
  • Interest rates: As low as 5.99% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Discounted rates for payroll direct deposits and Member Rewards points.

WINGS FINANCIAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

You can buy or refinance your car, truck, van, and SUV through Wings Financial. 2019 and newer models have rates as low as 5.99% APR and terms of up to 84 months. For 2015 to 2018 models, interest rates begin at 6.24% APR, and repayment periods are up to 72 months. But if you want 2014 and older models, rates are from 6.74% APR, and terms are up to 60 months.

Boat and RV loans

You can also finance new and used boats and recreational vehicles. Boat loans have rates starting as low as 6.24% APR, and you can stretch your payments for up to 180 months. Depending on your vehicle, RV loans start at 7.24% APR with terms of up to 180 months, too.

Motorcycle and motorsport loans

If you’re up for an adventure, you can also apply for motorcycle and motorsport loans. For motorcycles, you can borrow up to 100% for as low as 6.50% APR and pay your loan for up to 84 months. Meanwhile, ATVs, snowmobiles, and personal watercraft start at 7.24% APR with a 60-month term.

Aircraft loans

Wings Financial has loans for aircraft, too. Interest rates can be as low as 8.24% APR. Plus, you can pay your loan for 84 months.

Wings Financial Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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Wings Financial Credit Union

Wings Financial Credit Union auto loan

Wings Financial 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 Wings Financial 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 Wings Financial auto loan

Eligibility criteria

Wings Financial Credit Union doesn’t specify the criteria, but you normally need to be:

  • 18 years old or older
  • A legal resident
  • A Wings member
  • Employed or have a steady source of income

Your credit score is one of the factors that influence the APRs you qualify for. That said, try to build healthy credit before you apply. This will help you show banks, lenders, and credit unions that you’re a responsible borrower. So, you may qualify for better rates and terms.

How to join Wings Financial Credit Union

You can be a Wings Financial member if you meet one of the following:

  • Live or work in an eligible Minnesota or Wisconsin county
  • Live or work in the Seattle-Tacoma, WA metro area
  • Live or work in eligible Michigan and Florida counties
  • Work in or has retired from the aviation industry nationwide
  • Member of the Wings Financial Foundation
  • Immediate family member of a current Wings member

What you’ll need to have ready

Personal details

When you apply for auto financing with Wings Financial 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 Wings 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.

You can also benefit from having an idea of the steps in getting a car loan. This will guide you throughout your application and help you decide on the best loan for your situation.

Ways to apply for a Wings auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1 888 692-5626

Additional Wings Financial auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may take a day or more depending on your application.
  • Rate discounts: 0.25% discount for payroll direct deposits over $300 into a Wings checking or savings account a month. Plus, up to 0.50% rate reduction on new and refinance auto loans by redeeming Member Rewards points.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: Skip-a-pay available. (Learn 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: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Lower interest rates.
  • Long loan terms.
  • Borrow up to 100%.
  • 0.25% discount for payroll direct deposits.
  • Up to 0.50% rate reduction by redeeming Member Rewards points.
  • Easy online application.
  • Pre-approval available.
  • Convenient car-buying service.
  • Purchase and refinance available.
  • Loans for multiple vehicle types – cars, trucks, vans, SUVs, boats, motorcycles, recreational vehicles, motorsports, and aircraft.

Cons

  • Limited to members.
  • Undisclosed loan fees.
  • Unspecified vehicle requirements.

FREQUENTLY ASKED QUESTIONS

How much interest does Wings Financial Credit Union charge on car loans?

Wings offers auto loans as low as 5.99% APR for 2019 and newer models and 6.24% APR for 2015 to 2018 models. But if you’re looking for 2014 and older models, rates begin at 6.74% APR.

What is the maximum length of a Wings Financial vehicle loan?

You can finance vehicle loans for up to 84 months depending on your collateral.

Are there discounts available on Wings vehicle loans?

You may get a 0.25% discount for payroll direct deposits and a 0.50% rate reduction through Member Rewards points.

Can I apply for a Wings Financial Credit Union auto loan online?

Yes. You can easily apply for an auto loan online.

What details do I need to provide when applying for a Wings car loan?

Besides your loan details, you need to provide personal and contact information, like your name, address, and number. Wings may also ask about your income and employment.

How much do I qualify for with Wings Financial car financing?

The credit union offers up to 100% for car loans. Remember though that your max loan amount may vary.

How can I contact Wings about my vehicle loan?

You can reach the Member Center at 1 800 692-2274.

Video: Wings Credit Union own it

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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