Already have an auto loan? Let us try to beat your rate by 1%.*
Refinance with Welcome to see if we can help you save on your current auto loan.
Why Auto Loans with Welcome FCU?
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Great, Low Rates
Welcome’s competitive rates can help you save over the life of your loan.
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Easy Pre-Approval & Application
Pre-approvals available within four business hours* and a hassle-free, online application with no hidden fees.
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Flexible Terms
Flexible terms up to 84 months can help you find a monthly payment that better fits your budget.*
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Finance Directly With Welcome
Arrange your financing through your credit union instead of relying on dealership financing, so you can prepare the best options ahead of time.
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Support for Electric Vehicles (EVs)
Financing and refinancing options available for electric vehicles.
Find and Purchase Your Car Through Welcome CarConnection
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Concierge Car Shopping, Free For Members
Completely free for members. Just tell us your budget, preferences, and must-haves, and Welcome CarConnection will help find the best vehicle for you.
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Best Price Guaranteed, and Avoid Dealer Fees
Welcome CarConnection will negotiate on your behalf to secure the best price, and help you avoid unnecessary fees, markups, and dealership hassle.
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Trade-in Options Available
We can help you decide the best way to trade-in or sell your existing vehicle.
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Free Delivery
We can help arrange delivery at no additional cost, and so you never have to set foot in the dealership.
Support for the Road Ahead
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Low-Cost GAP Protection
Helps cover the difference between your insurance payout and loan balance if your vehicle is totaled or stolen, with added replacement benefits available.*
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Route 66 Extended Warranty
Don’t let unexpected car repairs stress you out! We offer Route 66 Extended Warranty coverage and can help you find the right option for your vehicle.
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TruStage Auto Insurance
Explore low-cost coverage options through Welcome FCU’s insurance partner.
Auto Loan Options*
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New Cars
For the current or upcoming calendar year, with terms up to 84 months.
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Used Cars
For cars under 10 years old, with terms up to 84 months.
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Refinance
Bring your current auto loan to Welcome and see if we can lower your rate.
Ready to Get Moving?
Apply online, or get in touch with Welcome FCU to talk through your next step, get pre-approved, or start your Welcome CarConnection search.
Member Testimonials
Talk to a Real Person
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Find Us Nearby
We are thrilled to offer personalized service, expert financial guidance, and access to in-person support.
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Give Us a Call
Get quick answers and personalized assistance without leaving home. Select Option #4 to connect directly to our Loan Department.
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Send Us an Email
Email us for personalized, easy, and fast support. A member representative will reply at loandept@welcomecu.org.
*Disclosures
- Rates and terms based on individual creditworthiness and approved credit. All loans are subject to credit approval. Other restrictions apply. See credit union for details. Federally insured by NCUA. Equal Opportunity Lender.
- Loan pre-approvals available within 4 business hours of submitting a completed auto loan purchase or refinance application.
- Offer is up to 1.00% APR off current or offered and verified APR. Floor rate for new vehicles is 3.50% APR, floor rate for used vehicles is 4.00% APR. Your loan rate is based on WFCU’s risk-based pricing program. Your rate may vary and is based on your credit score, amount financed, collateral, and loan term. Amount financed must be $15,000 or greater. Minimum term is 60 months. All loans are subject to credit approval. Promotion only applies to new and used cars, trucks and SUVs. Motorcycles, boats, and recreation vehicles are ineligible for this promotion. Offer subject to change/end at any time. Membership eligibility is required. See credit union for details.
- TruStage® is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.
- Member’s Choice® is underwritten by CUMIS, Inc.