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Auto Loan Refinance

Get relief from high-interest loans fast with an auto refinance from Wanigas Credit Union.

Your past auto loan may have been a great fit at one time, but in life, what once worked may no longer serve you best. Choosing to refinance your auto loan is the first step towards lower monthly payments, reduced interest rates, and a clearer view of your financial future.


Auto Loan Refinance Features & Benefits

An auto refinance loan from Wanigas Credit Union makes it easy to drive, cruise, and travel guilt-free all from the comfort of a low new rate.

Get great competitive Annual Percentage Rates (APRs), local member services, and the perks you need to fuel your lifestyle.


1% Cash Back Promotion:

Receive up to $500* cash back when you finance your Auto with Wanigas Credit Union.

*Not valid on refinancing of current Wanigas loans. Minimum loan amount $5,000. Collateral must be a 2015 or newer model year vehicle, boat, or recreational vehicle. Receive 1% cash back of financed amount. Maximum cash back amount is $500. The cash back amount will be deposited into your member savings account and is subject to all applicable taxes. Offer cannot be combined with any other promotional offers. Offer valid May 1, 2021 through August 31, 2021.


Auto Loan Refinance Rates

2012 Or Newer Rates 

New/Used Vehicles- 2012 Model Year or Newer (2011 Model Year or Older Receive Personal Loan Rate)
Effective Date: Wednesday, August 4th, 2021
TermAPR*Monthly Payment per $1,000.
Up to 36 months as low as 2.49%* $28.86
37 months to 48 months as low as 2.49%* $21.92
49 months to 60 months as low as 2.99%* $17.97
61 months to 72 months as low as 2.99%* $15.20
73 months to 84 months as low as 3.49%* $13.44
*APR = Annual Percentage rate.  Rates listed represent our best rate and are subject to credit approval. Rates are subject to change without notice. Normal loan guidelines apply.

2011 Model Year or Older Receive Personal Loan Rate

Personal Loans for Model Year 2011 or Older
Effective Date: Wednesday, August 4th, 2021
TermAPR*Monthly Payment per $1,000
Personal Loan (Unsecured) available up to 60 months as low as 7.95%* 86.98 (Based on a 12 month term)
*APR = Annual Percentage rate. Rates listed represent our best rate and are subject to credit approval. Rates are subject to change without notice. Normal loan guidelines apply.


 

Auto Loan Refinance FAQs

Questions? For more information call (800) 675-2285 ext. 785.

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Member Testimonials

See what our loyal members have to say about us!

“Fast and easy banking. I love it.”

- J. P.

“Wanigas site is easy to use and employees are always friendly!”

- Laurie K.

“Fast, friendly and reliable staff that are very knowledgeable and willing to help in every aspect.”

- Spencer H.


GAP Plus with Deductible Assistance

Don’t let a wrecked vehicle wreck your finances.
Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate more than 20% after the first year you own it, half of which occurs the minute you drive it off the lot.* This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan. Plus, it helps you get into your next vehicle by reducing your loan at the credit union by $1,000.


Our GAP Plus program includes Deductible Assistance which is designed to provide financial relief when your vehicle is damaged but not deemed a total loss. If repairs cost more than your deductible, the deductible amount is applied to your vehicle loan at the credit union, reducing what you owe.

*Car Depreciation: How Much Value Will a New Car Lose? CARFAX, Nov 9, 2018.

Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.
GAP purchased from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee.


GAP-2488407.1-0419-0521 © CUNA Mutual Group, 2019. All Rights Reserved.


Loan Shield Insurance

Loan Shield is a voluntary loan-payment protection product that is designed to help you get relief from loan payments if one of the following protected life events happens to you:

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), Loan Shield could cancel or waive your loan payments up to contract maximums. Help lessen your worries, and your family's worries, about paying loans during a time when your income could be reduced or lost and paying other household bills could become challenging. Talk to us today about protecting your loan payments. Simple eligibility requirements may help ease the election process.

*Your purchase of Loan Shield is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Loan Shield. You may cancel the protection at any time. If you cancel the protection within 30 days you will receive a full refund of any fee paid.

DP-3550719.1-0421-0523


Mechanical Repair Coverage

As vehicles get older and miles add up, the likelihood for repairs increases. Mechanical Repair Coverage can help you limit out-of-pocket costs for covered breakdowns.

To research, compare and buy Mechanical Repair Coverage, visit ForeverCar or call 866.571.7356 where you can take advantage of:

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, LA , and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MBIP 08/16), it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. Replacement parts may be used or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product. MRC-2341946.2-1020-1122 © CUNA Mutual Group 2020


Dealership Partnerships

Wanigas Credit Union partners with dealerships across the state to offer convenient one stop shopping for your auto and recreational vehicle needs. Get pre-approved for your loan before you hit the lots, or search for a vehicle - Take a look at our Dealership Partner List.  When you find your vehicle let them know you want to finance with Wanigas Credit Union, they will complete the on-the-spot financing for you.

 


Ready to Apply for an Auto Loan?

Let us help you with your auto loan. For more information call (800) 675-2285 ext. 785.

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