Vehicle Loans

Apply Now!  |  Extended Vehicle Protection Plans |  Loan payment calculator

Is it time for a new car, truck or SUV? Whether you are in the market for a new or used vehicle, or wanting to refinance, White Sands Federal Credit Union is here to help. We even take it a step further by offering loans for Recreational Vehicles (RVs), Boats, Motorcycles, ATVs and Jet Skis. With low rates and terms up to 84 months, along with protection plans and insurance options that have you in mind, a vehicle loan from White Sands Federal Credit Union truly is different from the rest. 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 |  Loan payment calculator

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.
 TermAPR* as low asAPR* as low as - with Loyalty Plus
Current and prior year, less up to 72 months3.25%3.00%
$30,000 and overup to 78 months3.50%3.25%
$35,000 and overup to 84 months4.00%3.75%

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.
TermAPR* as low asAPR* as low as - with Loyalty Plus
up to 72 months3.50%3.25%

Boats, Jet Skis & Motorcycle 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.
 TermAPR* as low asAPR* as low as - with Loyalty Plus
Newup to 66 months8.00%7.75%
Usedup to 66 months8.50%8.25%

New Recreational Vehicle 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.
 TermAPR* as low as APR* as low as - with Loyalty Plus
up to 84 months8.00%7.75%
85 - 120 months8.50%8.25%
121 - 144 months9.00%8.75%

Used Recreational Vehicle 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.
TermAPR* as low asAPR* as low as - with Loyalty Plus
up to 84 months8.50%8.25%
85-120 months9.00%8.75%
121-144 months9.50%9.25%

*Rates and terms may vary. Subject to credit approval.

CONTACT US

Contact our Call Center at
(575) 647-4500 or (800) 658-9933.

Hours of Operation:
Monday thru Friday, 8 am-5 pm

By email: info@wsfcu.org

By mail: P.O. Box 99 Las Cruces, NM 88004

2755 North Main St, Las Cruces NM 88001

Routing & Transit # 312276470

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.

ncua eol

FB-f-Logo__blue_50