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Used Auto Loans

You need an auto loan that checks your boxes, not your bank’s.

Make the smart decision with an affordable used auto loan from Wanigas Credit Union. Secure low monthly payments, cut back on steep interest rates and free up funds for life’s other wants and needs.


Get $100 cash reward from Love My Credit Union Rewards when you buy a vehicle from Carvana.

$100 Cash Reward from LMCUR when you buy a vehicle from Carvana


Used Auto Loan Features & Extended Coverages

Wanigas Credit Union makes buying a used car fast, simple, and hassle-free. Get great personalized services and relationship-based discounts with every auto loan.


Used Auto Loan Refinance Rates

Used Vehicles- 2013 Model Year or Newer 

New/Used Vehicles
Effective Date: Tuesday, October 4th, 2022
Model YearTermEveryday Rate/APR*Rate/APR* with Loyalty Discount**
2022-2018 48 as low as 5.04%* as low as 4.54%
2022-2018 60 as low as 5.64%* as low as 5.14%
2022-2018 75 as low as 6.04%* as low as 5.54%
2022-2018 84 as low as 6.44%* as low as 5.94%
2017-2014 60 as low as 5.89% as low as 5.39%
2017-2014 72 as low as 6.39% as low as 5.89%
2013 & older 60 as low as 7.29% as low as 6.79%
*APR = Annual Percentage rate.  Rates quoted as APR and do not include Loyalty Rate Discount. **Members with a checking with direct deposit and auto pay receive a discount of 0.50% off their rate!

2012 Model Year or Older Receive Personal Loan Rate

Personal Loans for Model Year 2012 or Older
Effective Date: Tuesday, October 4th, 2022
TermEveryday Rate/APR*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. **Members with a checking with direct deposit and auto pay receive a discount of 0.50% off their rate!


 

Used Auto Loan FAQs

More 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!

“I am so thrilled with my new account at Wanigas Credit Union. It was so easy to use the web site for setting up my account and the On Line banking, transferring and depositing are very easy to use.”

- Patricia A.

“I love Wanigas Credit Union! Amazing friendly staff and the APP is easy to use with great tools! They even contacted me when they found fraudulent activity on my account and told me a replacement was already on it's way all before I even knew my card was hacked at a gas station pump!”

- P.J. M.


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


Guaranteed Asset Protection (GAP) Plus with Deductible Assistance

Essential protection for your vehicle loan- and your finances. 

GAP Plus with Deductible Assistance: Financial protection for what your auto insurance may not cover.

If your vehicle is deemed a total loss due to an accident or theft, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. Guaranteed Asset Protection may help you make up the difference. 

Essential financial protection on your vehicle loan that helps you drive with confidence. Talk to Wanigas Credit Union today about how we can help protect you from sudden out-of-pocket expenses with Guaranteed Asset Protection.

Your purchase of MEMBERS CHOICETM Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your loan 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 purchase 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 purchase 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 purchase from state chartered credit unions in IN may be 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-3415626.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.


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


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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