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Wright-Patt Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 25 November 2023
Fact checked

Wright-Patt Credit Union auto loans overview

Wright-Patt Credit Union logo

You can count on Wright-Patt Credit Union (WPCU) to make auto financing easier whether you’re buying or refinancing. WPCU offers competitive rates, flexible repayment plans, fewer fees, and rate discounts. Plus, members can finance a range of vehicles, including pre-owned and new cars, motorcycles, boats, and recreational vehicles. On top of these, WPCU provides convenient auto insurance and additional vehicle loan services for members.

Want to see what a WPCU auto loan will cost? Try the Wright-Patt 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 Wright-Patt Credit Union auto loan features

  • Minimum loan amount: $8,000 for loan terms of 64-75 months and $18,000 for 76 months or longer.
  • Maximum loan amount: Up to 100%.
  • Interest rates: From 6.49% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No application fee.
  • Discounts: Rate discounts with minimum monthly direct deposits and automatic payments.

WRIGHT-PATT CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

WPCU offers low-rate auto loans with repayment periods of up to 84 months. 2021 and newer vehicles start as low as 6.49% APR. But rates begin at 7.29% APR if you want to finance 2020 and older models.

RV and watercraft loans

You can also explore the road or the waves through RV and watercraft loans. Rates range from 8.59% to 18% APR for 2021 and newer models and 9.39% to 18% APR for 2020 and older models. Additionally, you can pay your loan for up to 240 months.

Motorcycle loans

Motorcycle loans are available in Wright-Patt, too. You can get interest rates starting at 7.79% APR and payment terms of up to 84 months.

First-time auto-buying program

If you’re a military member with little or no credit, you can finance your first vehicle through this program. You may borrow up to 80% of your annual income, and rates range from 5.69% to 16.59% APR. To qualify, you should be an active duty military currently stationed at Wright-Patt Air Force Base and purchasing your first auto.

Wright-Patt 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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Wright-Patt Credit Union

Wright-Patt Credit Union auto loan

Wright-Patt 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 Wright-Patt 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 WPCU auto loan

Eligibility criteria

Though Wright-Patt doesn’t disclose the criteria to qualify for vehicle loans, you normally need to be:

  • At least 18 years old or legal to apply for financing
  • A legal resident
  • A WPCU member
  • Employed or have a reliable income

Besides the basic requirements, the credit union will also look at your credit score to check your eligibility. So, ensure you establish good credit before you apply. This will help you get more ideal loan offers and up your chances of securing a loan.

How to join Wright-Patt Credit Union

WPCU membership is open to those who meet one of the following:

  • Live, work, worship, or attend school in selected Ohio counties
  • Military or civilian employees of Wright-Patterson Air Force Base
  • Military personnel residing in a 14-county area adjacent to the Fairborn area
  • Wright State University students, faculty, staff, or alumni
  • Select groups of people associated through employment, location, or other organizational affiliation
  • Spouses, children, and certain relatives of current WPCU members

What you’ll need to have ready

Personal details

When you apply for auto financing with Wright-Patt 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 WPCU 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’s good practice to understand the auto loan application process, too. Knowing the steps can help you get everything set, guide you in negotiations, and steer you to the right loan for your situation.

Ways to apply for a Wright-Patt auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (800) 762-0047

Additional WPCU auto loan details

  • Automatic payment: Available.
  • Loan approval times:Undisclosed, but it may be 1 business day or more depending on your application.
  • Rate discounts: 0.75% APR discount with a minimum monthly direct deposit of $25 to a WPCU account. Additional 0.25% discount for automatic payments via direct deposits.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Skip-a-pay available.
  • Ways to repay: Direct deposits, payroll deductions, automatic transfers, online banking, mobile app, 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

  • Competitive rates.
  • Flexible repayment terms.
  • Borrow up to 100%.
  • No application fee.
  • 0.75% APR discount with minimum monthly direct deposits.
  • 0.25% APR discount for automatic payments through direct deposits.
  • Pre-approval available.
  • Convenient online application.
  • Multiple payment options – direct deposits, payroll deductions, automatic transfers, online banking, mobile app, by mail, and in a branch.
  • Discounted vehicle insurance.

Cons

  • Membership required.
  • Higher minimum loan amounts for longer terms.
  • Undisclosed loan fees.

FREQUENTLY ASKED QUESTIONS

How much interest does Wright-Patt Credit Union charge on auto loans?

Auto loan APRs range from 6.49% to 17.39%. Keep in mind that your APR may vary based on your creditworthiness, loan amount, term, and vehicle.

Are Wright-Patt car loan interest rates fixed or variable?

Wright-Patt Credit Union’s auto loans come with fixed interest rates.

Are there discounts available on Wright-Patt car loans?

You can get a 0.75% APR discount with a minimum monthly direct deposit of $25 to your WPCU account. Plus, you can have a 0.25% discount for automatic payments through direct deposits.

What is the maximum term of a WPCU vehicle loan?

Auto loans have terms stretching up to 84 months.

Does Wright-Patt refinance auto loans?

Yes. You can refinance your vehicles, boats, RVs, and motorcycles.

How to get a car loan from Wright-Patt?

You can apply online or stop by any WPCU Member Center.

How do I pay my WPCU vehicle loan?

You can make a loan payment through direct deposits, payroll deductions, automatic transfers, online banking, the mobile app, mail, and a branch.

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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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