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Auto Loans

At Western Sun Federal Credit Union, we pride ourselves on being The Loan Leader! Whether you’re buying new or used or looking to refinance your current loan, here’s what you can count on:

Competitive loan rates
Great terms from 36-84 months*
Same day approval on most loans
No prepayment penalties
GAP and warranty coverage available

We also offer the same loan rates for both new and used vehicles, so you can pick the vehicle that works best for your needs. We lend to you, not the vehicle you drive, so why should your vehicle determine the rate?

Bring us your auto loan today and let us show you the Credit Union Difference! Apply today by filling out an application online or visiting any of our 6 branch locations.

*Rates and terms subject to market conditions and borrower eligibility. An 84 month term is limited to loans in the amount of $37,000 and above and will add 1.00% APR to the interest rate. APR = Annual Percentage Rate.

Shop With Confidence!

Hate haggling at the dealership? You can shop with confidence when you get pre-approved by Western Sun! Just apply for your auto loan before you shop, so you can know how much you have to spend and negotiate accordingly. It’s just another way we make it EASY to find the right vehicle!

Move Your Loan!

Are you stuck in an auto loan with a high interest rate and huge monthly payments? Western Sun may be able to help! Refinance your current auto loan and let us help you lower your monthly payment, shorten your term, or both. Plus, get $100 CASH to refinance and no payment for 60 days!** If we can’t beat your current rate, we’ll tell you!

**With approved credit. Must mention offer in loan application to receive $100 CASH.

In The Market for a New Car?

With our free auto-buying resource, you can:

View over 4,000,000 new and pre-owned vehicles
Research and compare models
View FREE CarFax and Kelly Blue Book ranges
Get pre-approved before you shop
Apply for an auto loan on the vehicle you want to buy!

GAP and Warranty

A vehicle is an investment! Protect your investment with GAP (Guaranteed Asset Protection) and Warranty Coverage from Western Sun. Click here to read more about GAP and Warranty.

Apply for a Loan Today!

Thank you for choosing Western Sun Federal Credit Union for your financial needs. Click the button below to apply for a loan.