Auto Loans

New and Used auto loans at White Rose Credit Union.

Looking for a new or used auto loan? Our quick and easy online application process helps you finance your dream car and get behind your new wheels in no time. New vehicle financing is available for current or prior year vehicles with less than 14,000 miles. Used vehicle financing is available for vehicles 15 years or newer. The rate will depend on the term of the loan.

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New Vehicle Loan Rates

Book Value Term APR* as low as
Up to 125% up to 48 months 1.99%
Up to 125% up to 60 months 1.99%
Up to 125% 61-72 months** 3.49%
Up to 125% 73-84 months*** 3.74%

* APR = Annual Percentage Rate

**72 months – Selling price must be $15,000 or greater

***84 months – Selling price must be $20,000 or greater

All rates are based on “A+” credit and requires autopay.

Vehicle loans and certain Recreation Vehicles require liability and comprehensive insurance.

Rates effective 8/9/2021

All rates are subject to change without notice.

Estimate Your Payments with our Calculator

Used Vehicle Loan Rates

Book Value / Age of Vehicle Term APR* as low as
Up to 125% / 1-5 yrs up to 48 months 1.99%
Up to 125% / 1-5 yrs up to 60 months 1.99%
Up to 125% / 1-5 yrs 61-72 months 3.74%
Up to 125% / 6-10 yrs up to 60 months 1.99%
Up to 125% / 6-10 yrs up to 72 months** 4.24%
Up to 125% / 11-15 yrs up to 24 months 5.49%
Up to 125% / 11-15 yrs 25-36 months 5.74%
Up to 125% / 11-15 yrs 37-48 months 5.99%

* APR = Annual Percentage Rate

**72 months – Must be 40,000 miles or less & $15,000 or greater

All rates are based on “A+” credit and requires autopay.

Vehicle loans and certain Recreation Vehicles require liability and comprehensive insurance.

Rates effective 3/18/2021

All rates are subject to change without notice.

Estimate Your Payments with our Calculator