Car and Truck Loans
Vehicle Financing, Truck Loans, and Auto Loans
White Sands FCU makes low rate new and used vehicle loans, with refinancing also available. We even offer loans for recreational vehicle loans(RVs), boat loans, motorcycle loans, ATV loans and jet ski loans. Rates are low and terms go up to 84 months.
Some of the benefits of car financing at White Sands FCU include:
- Our low rate loans translate to lower payments and less interest paid.
- Take three months until your first monthly car payment is due
- No setup fees or prepayment fees
- Flexible terms - up to 84 months on new car loans and up to 72 months on used auto loans
- Loyalty Plus loan rate discount for repeat borrowers - 0.25% APR discount
- Apply for your auto loan online and save time
Refinance your loan
Did you recently buy a car or truck and finance it with another lender? Did you get the best deal on your car loan? When you do a refinance auto loan with White Sands FCU, it may lower your monthly loan payment with either a lower car loan rate or a better term. White Sands FCU also allows members in good standing to skip their monthly auto loan payment up to two times each year.
The application process is quick and simple. Ask for your credit union at the dealership, apply online, give us a call or visit one of our branch locations.
Apply Now! | Extended Vehicle Protection Plans | Estimate monthly loan payment
New Auto Loan Rates
APR: Annual Percentage Rate. Rates subject to change without notice.Loan rates and terms are determined by credit score, amount financed, and other factors.
Advertised rates may not be combined with any other discounts.
| Term | APR* as low as | APR* as low as - with Loyalty Plus & Online Application Discount | |
|---|---|---|---|
| Current and prior year, less | up to 72 months | 7.25% | 6.65% |
| up to 78 months | 7.45% | 6.85% | |
| up to 84 months | 7.65% | 7.05% |
Used Auto Loan Rates
APR: Annual Percentage Rate. Rates subject to change without notice.Loan rates and terms are determined by credit score, amount financed and other factors.
Advertised rates may not be combined with any other discounts.
| Term | APR* as low as | APR* as low as - with Loyalty Plus & Online Application Discount |
|---|---|---|
| up to 72 months | 7.50% | 6.90% |
*Rates and terms may vary. Subject to credit approval.
Contact Us
Call Center:
(575) 647-4500 or
Hours of Operation:
Monday thru Friday, 8 am-5 pm
Mailing Address:
P.O. Box 99
Las Cruces, NM 88004
Routing & Transit # 312276470
Federally Insured by NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency.
Equal Housing Lender
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
White Sands Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with the WCAG 2.0 standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other assistive technology and are encountering problems using this website, please contact us at 575-647-4500 or 1-800-658-9933. Please provide the location of the inaccessible information. All products and services available on this website are available at all White Sands Credit Union branch locations.