Loans and Rates

Receive financing for a new or pre-owned car. Get pre-qualification, so you know the amount you are approved for. It makes car shopping much easier! Financing for watercrafts, recreational vehicles, and, motorcycles is also available.

Refinancing your car will allow you to adjust the terms of your loan. This will give you a chance to lighten the load on your monthly bills.

Apply for a Loan

Useful Links:

NADA Guides– Whether you are buying, selling or simply shopping for a used vehicle, be prepared. Have the most accurate vehicle pricing and specification information available, right at your fingertips. Available online or in book format.

Order a CARFAX Vehicle History Report… the first step to protecting yourself against buying used cars with costly hidden problems. CARFAX searches its nationwide database and provides a detailed vehicle history report in seconds. Just enter your VIN # and get the report in seconds.

Get a free credit report online! WCFCU has approved this site as a safe place to enter your information.

WCFCU Auto Financing Comparison

Since the 0% auto financing “flashy ads” began, many members are fooled into thinking that is a better deal than coming to the Wayne County Federal Credit Union for their car loans.

Call us first when that “old clunker” need to be replaced! We can help you SAVE $$$!

The chart below shows that you actually SAVE BIG BUCKS when you finance with us, instead of taking the dealer rebate.

CAR COST $20,000	Dealer Financing (boo-hiss!!)	WCFCU Financing (Yeah!!)

Interest Rate on Loan	0%	Variable Rate - Call Jeanne for the current rate
Cost of New Car	$20,000	$20,000
Less Trade-In	($4,000)	($4,000)
**Less Rebate (instead of 0%)	$0.00	($2,000)
Net Amount to Finance	$16,000	$14,000
Monthly Payment	$444.44	$425.52 (based on 5.9%)
Interest Amount for 36 Months	$ 0.00	$1312.15 (based on 5.9%)
Total Financing Cost	$16,000	$15,312.15 (based on 5.9%)

SAVINGS from WCFCU		$600 or more